I. Types of loans
Purchase of self-occupied housing provident fund loans
Construction of self-occupied housing provident fund loans
Bank to provident fund loan
Second, the loan object and conditions
1, with permanent residence in this city;
2, the normal deposit of housing provident fund for more than one year, and there is no record of stopping payment six months before applying for a loan;
3, a stable economic income, good credit, the ability to repay the loan principal and interest;
4, at least not less than 20% of the total purchase price of owner-occupied housing;
5 can provide collateral or guarantor that meets the requirements of the housing provident fund center.
Three. Loan amount and term
1, and the maximum loan amount is stipulated by the local authorities, which shall not exceed 70% of the total value of the house purchased or built;
2. The local regulations stipulate the longest loan period, and the borrower's current age plus loan period shall not exceed the statutory retirement age (male 60 years old, female 55 years old);
3. The loan interest rate is subject to the current interest rate of the People's Bank of China and changes with the adjustment of the national interest rate.
Fourth, the loan interest rate.
deadline
The annual interest rate of provident fund loans is 3.33% for five years and 3.87% for more than five years.
Verb (abbreviation of verb) repayment method
The borrower shall open a repayment account in the entrusted bank designated by the Center, and the account shall not be closed until the loan principal and interest are repaid in equal amount every month, until the loan is fully paid off. To repay the loan in advance, you need to apply to the Municipal Housing Provident Fund Management Center 30 days in advance.
Intransitive verb loan cost
1. Mortgage registration fee: charged by the real estate management department according to the standard;
2. Material production fee: charged by the center according to the standards of 20 yuan/users.
7. Information to be provided when applying for a loan (the following information is the original, and a copy is kept).
1, a copy of the application for approval of individual housing loan for housing provident fund (this form is collected at the provident fund center, and the form is filled in, stamped and pasted as required);
(1) ID cards and household registration books of the borrower's husband and wife;
(2) Proof of the marital status of the borrower;
(3) repayment passbook of the bank designated by the center.
2. Purchase information:
(1) Purchase of commercial housing: purchase contract and payment voucher;
(2) Purchase of second-hand houses: house purchase and sale agreement, deed tax certificate of transaction, and newly issued real estate license;
(3) Building construction: land use certificate, construction land planning permit, construction project planning permit and construction project construction permit;
3. Guarantee materials:
(1) mortgage guarantee method: proof of ownership of collateral, ID card of mortgagor and his wife, and proof of marital status;
(2) Pledge guarantee method: pledge certificate, ID cards of the pledgor and husband and wife, and proof of marital status.
(3) Personal guarantee method: guarantor's ID card and proof of economic income.