The longest term of provident fund loans shall not exceed 30 years.
Provident fund loan conditions:
Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system.
Participate in the housing provident fund system, apply for housing provident fund, and pay the housing provident fund continuously for at least six months before lending. Because, if the behavior of employees paying housing provident fund is abnormal, it is easy to generate risks after intermittent loans;
One spouse has applied for a housing provident fund loan, and neither spouse can get a housing provident fund loan until the principal and interest of the loan are paid off. Loan is a kind of "housing security" financial support provided when meeting the basic housing needs of workers' families.
When the loan applicant puts forward that the housing provident fund must have a relatively stable economic income and repayment ability, it is very risky to give the housing provident fund a loan again, which violates the principle of safe operation of the housing provident fund;
The longest term of provident fund loans shall not exceed 30 years. The loan term for handling portfolio loans must be consistent.
2. How many years can Qingdao second-hand housing provident fund loan run? 202 1?
The longest loan period is 30 years, depending on the age.
3. How many years can a provident fund loan be used to buy a second-hand house?
The document of Shanghai Provident Fund Network stipulates:
The maximum loan period for purchasing new commercial housing is 30 years, and shall not exceed 5 years after the statutory retirement age of the borrower;
The longest loan period for purchasing a second-hand house is 15 years.
4. Can the second-hand housing provident fund loan be used for 30 years?
Subjective law: the second-hand housing provident fund loan is up to 30 years, but it cannot exceed the retirement age. Conditions of provident fund loan: 1. Having legal and valid identity documents; 2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good; 3. Have a stable income and the ability to repay loans; 4. Have a valid purchase contract or agreement or a house ownership certificate issued by the real estate management department; 5. If a house is purchased, a down payment of not less than 30% of the total house price has been paid. Article 14 of the Regulations on the Management of Housing Provident Fund shall, within 30 days from the date of establishment, go to the housing provident fund management center to register the deposit of housing provident fund, and within 20 days from the date of registration, go through the formalities for the establishment of housing provident fund accounts for employees of this unit. Where a unit is merged, divided, revoked, dissolved or bankrupt, the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and handle the transfer or seal-up procedures for the employees of the unit within 20 days from the date of completing the change or cancellation of registration.
Legal objectivity: After the interest rate of commercial loans was raised, provident fund loans began to be favored by more buyers because of the low interest rate. At present, the down payment of provident fund loans has also increased, and the loan threshold has increased. What are the procedures for applying for provident fund loans now? Apply for a loan from the local housing provident fund management center first. The borrower holds a house purchase contract or agreement (copy of the buyer's house sales license; To build or repair a house, you must apply for a housing provident fund loan at the provident fund management centers of cities and counties with the approval document of the government land planning and management department, ID card, housing provident fund savings magnetic card and seal. The use of both husband and wife housing provident fund loans, but also to bring a marriage certificate or other proof of husband and wife relationship, fill in the application form for personal housing provident fund loans. The loan bank shall, according to the borrower's application, evaluate whether the borrower meets the loan conditions, calculate the loan amount and determine the loan term. Second, sign a loan contract. After the local provident fund management center (or the entrusted bank) approves the borrower's application, the borrower signs a loan contract and a mortgage contract with the provident fund management center (the mortgage contract is signed with real estate mortgage, and the personal guarantee needs to enjoy the provident fund). Third, if you apply for mortgage, you should apply for notarization of mortgage. At that time, you need to bring the real estate license (and land certificate), ID card, marriage certificate, household registration book and its copy in quintuplicate, and go through the relevant formalities of notarization and other house ownership certificates. Fourth, after the borrower goes through the mortgage formalities with the real estate mortgage, he will submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate or mortgage certificate to the provident fund management center. At that time, the Provident Fund Management Center will entrust the Housing Information Department of China Construction Bank to transfer the money to your personal account on time. Pay attention to: 1 when applying for second-hand housing provident fund loans. At the time of application, the borrower and the employer have paid the housing provident fund in full and on time for more than one year, and the borrower and spouse have not applied for the provident fund loan or the obtained provident fund loan has been returned; 2. The borrower must have permanent residence or valid residence status within the administrative area of this Municipality; 3. The borrower must have a house purchase contract or agreement, and the down payment meets the relevant requirements; 4. The borrower must have stable economic income, good credit and corresponding loan repayment ability; 5. The borrower shall have the assets recognized by the provident fund management center as mortgage or pledge.