Loan information
1. Suitable target: government departments, enterprises and institutions or other economic organizations and individuals.
2. Loan interest rate: the entrusted loan is charged a handling fee according to the entrusted responsibility, entrusted amount and term.
3. Loan term: There are three kinds of entrusted loan terms: within one year (inclusive); More than one year and less than five years (including five years); More than five years (excluding five years).
Loan advantage
1. Legalization of lending: enterprises or group companies legalize the lending of funds between customers through entrusted loans;
2. The expected annualized interest rate is high: enterprises or group companies can effectively use their own funds such as surplus funds through entrusted loans to obtain income higher than the expected annualized interest rate of deposits;
3. Convenience and preferential treatment: The borrower can avoid the disadvantages of complicated examination and approval procedures, high capital cost and inflexible use of funds brought about by applying for credit from the bank.
How much can I borrow from the 65438+ million provident fund?
1. To apply for individual housing provident fund loans in China Bank, the amount of provident fund loans is 14 times the balance of the provident fund account, and the following conditions must be met:
1) The monthly repayment amount (calculated by equal principal and interest or average principal) shall not exceed 50% of the deposit base of the applicant's housing provident fund, which may be accumulated with the applicant's deposit base for * * * times;
2) The amount of the provident fund loan shall not be higher than the difference between the total purchase price and the down payment.
3) Not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city.
4) If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loanable amount of the housing provident fund loan calculated according to the balance multiple of the housing provident fund account can be increased by 10%, but it cannot exceed the maximum amount of a single loan, the monthly repayment ability, and the difference between the total purchase price and the down payment.
The calculation of the final loanable line is subject to the system calculation.
2. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
How long is the loan term of China Bank's personal entrusted loan?
Term of personal entrusted loan of China Bank:
The term of personal entrusted loan starts from the date of lending to the loan maturity date agreed in the personal entrusted loan loan contract. The term of individual entrusted loan shall be determined by the client.
As there are differences in business in individual regions, please consult the branch of China Bank for details.
The above contents are for your reference. Please refer to the actual business regulations.
What is entrusted loan?
1. Term of entrusted loan
The term of entrusted loans shall be implemented in accordance with the provisions of the General Rules for Loans.
2. Expected annualized interest rate of entrusted loans
The expected annualized interest rate of the entrusted loan and the collection of the borrower's liquidated damages shall be decided by the client, but it shall comply with the Commercial Bank Law, the General Principles of Loans and the relevant provisions of the People's Bank of China.
3. Entrusted loan interest rate
All banks shall, according to the actual situation of business development and comprehensive factors such as cost accounting, formulate the charging standards for entrusted loan fees of the bank and report them to the head office for the record.
Entrusted loan is not a credit business, but an intermediary business of charging nature. Banks should effectively only charge fees and do not bear any form of loan risk. Whether the entrusted loan needs guarantee and the guarantee conditions shall be determined by the client, but it shall comply with the relevant provisions of the Guarantee Law of People's Republic of China (PRC).
Introduction of individual provident fund loan conditions
Working in a regular employer, people with legitimate income generally need to pay personal provident fund. The provident fund paid is used when buying a house, similar to the existence of loans. Many people have paid a lot of provident fund, so how do you use the provident fund? The government has set a certain threshold for personal provident fund loans. Only those who meet these conditions can successfully borrow money. Next, let's find out what the loan terms are.
First, the loan object
In line with the "loan conditions" and the need to buy and build houses, administrative institutions and enterprise employees purchase housing reform, affordable housing, commercial housing or self-built housing in their respective jurisdictions.
Second, the loan amount and loan interest rate
The amount of entrusted loans for housing provident fund shall not exceed 70% of the total amount of housing purchased by employees, and the monthly repayment amount shall not exceed 50% of the monthly economic income of both husband and wife. The maximum amount of housing provident fund personal housing entrusted loan is 6.5438+0.5 million yuan. The loan interest rate is 4.59% for five years or less and 5. 13% for more than five years.
Third, the loan term.
According to the remaining length of service and repayment ability of employees. The longest term of housing provident fund personal housing entrusted loan is 20 years. Employees with less than 20 years of remaining service can be relaxed for 3 years.
Four, employee loans should provide materials
(a) to apply to the housing provident fund management department, after passing the preliminary examination, send the "Cengong County Housing Provident Fund Personal Loan Application Form" in duplicate;
(2) The employee shall submit the completed Application Form for Personal Loan of Cengong County Housing Provident Fund together with the following materials to the Credit Unit of the County Housing Provident Fund Management Department;
1. Two loan applications (signed by married spouse);
2. The original and photocopy of the house purchase contract or agreement 1 copy each;
3. 1 Original and photocopy of the Registration and Filing Form of Commercial Housing Pre-sale Contract;
4. Two copies of deposit receipt;
5. Two copies of the applicant's husband and wife ID card and household registration book;
6. Two originals of the income certificate of the applicant's husband and wife;
7. The original 1 copy, 1 copy and 1 copy of the applicant's personal account inquiry form for husband and wife housing provident fund (with the official seal of the bank where the account is opened);
8. The applicant should provide a copy of marriage certificate if he is married, and two copies of divorce certificate if he is divorced; Unmarried, the original and photocopy of the unmarried certificate issued by the street office where the account is located or 2 copies of the unmarried certificate shall be provided;
9. For self-built houses, 2 copies of the approval letter for construction land, construction project planning permit, land use certificate, house elevation and house plan shall be provided;
10. To purchase affordable housing, two copies of the approval document for construction land, construction project planning permit, construction permit, house elevation, house floor plan and approval documents of relevant government departments shall be provided.
The above is edited by Bian Xiao. At present, the government recognizes the relevant conditions of personal provident fund loans. You can see whether your current state meets the above conditions and whether you can get a loan when you buy a house. To apply for housing provident fund, you need to provide ten kinds of materials. You need to provide all the information to meet the conditions. Therefore, before applying for housing provident fund, you can see if there are any materials missing, and if there are, you should make up them in time.
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How much is the provident fund loan?
If you apply for a personal housing provident fund loan in China Bank, the amount information is as follows:
1. The loanable amount of the provident fund loan is 14 times of the balance of the applicant and the applicant's housing provident fund account, and meets the following requirements:
(1) The monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are * * * applicants and * * * applicants who have paid the housing provident fund in this city, the deposit base of the housing provident fund is the sum of the deposit base of the applicant and himself.
(2) Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall not be lower than the down payment ratio stipulated by the state. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.
(3) Not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city.
If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met.
(4) When the loanable amount of the provident fund loan is insufficient to pay for the house purchase, employees can apply to the entrusted bank for commercial housing loans, which will be distributed to employees in the form of combined provident fund loans (a combination of provident fund loans and commercial housing loans). Please consult the provident fund loan business outlets or the local provident fund management center in detail when handling.
The above contents are for your reference. Please refer to the actual business regulations.
So much for the introduction of how long the entrusted loan term is.