; ? loan limit
1, and the maximum loan amount in Changsha is 500,000 yuan;
2. Not more than 70% of the total price of the house purchased (80% for the first time with an area of less than 90 square meters);
3. Not exceeding 70% of the value of the mortgaged property;
4. The monthly repayment of principal and interest shall not exceed 50% of family income;
5. The purchase of finely decorated houses shall not exceed 50% of the total purchase price.
Expected annualized interest rate of loan
The expected annualized interest rate within 5 years (including 5 years) is 4.00%, and the expected annualized interest rate over 5 years is 4.50%. If the current expected annualized interest rate is adjusted, the new expected annualized interest rate standard will be implemented.
deadline
The maximum term is 30 years.
Processing time
The time for handling housing provident fund loans is 3 working days (excluding batch processing and mortgage filing time).
From the date when the management center receives the personal loan application report, the approval time for housing provident fund loans is 3 working days (excluding batch processing and mortgage filing time) provided that all loan information is complete.
Repayment method
1. The housing provident fund loan adopts the equal principal and interest repayment method or the average capital repayment method, and the borrower starts to repay the loan principal and interest on a monthly basis in the month when the loan is received.
2. After the normal loan repayment 1 month or 1 year, the borrower and his wife can choose to withdraw the balance of housing provident fund to repay the loan on a monthly or annual basis, or they can withdraw the loan, but the repayment amount shall not exceed the previous year.
Potential borrower
-Employees
Administrative institutions that have normally paid housing provident fund 12 months or more, employees who have signed long-term labor contracts with employers for more than three years (including housing provident fund 1 year or more for three consecutive years) and have continuously paid housing provident fund 12 months or more, and are paying housing provident fund normally and continuously, can apply for housing when purchasing, constructing, renovating or overhauling ordinary self-occupied houses.
-individual industrial and commercial households and freelancers
Individual industrial and commercial households, freelancers and depositors who have signed off-site loan cooperation agreements with Changsha Housing Provident Fund Management Center can apply for housing provident fund loans if they have normally paid housing provident fund 12 months or more.
Letter of credit clause
1. The borrower has good credit, stable family income and the ability to repay the principal and interest of the loan.
2. Self-raised funds shall not be less than 30% of the total purchase price (20% for first-time buyers with an area of less than 90 square meters).
3. There is a property recognized by the center as the guarantee of the mortgage guarantee company.
Loan information
1. The original (or valid marriage certificate) and copy (in duplicate) of the household registration book, ID card and marriage certificate of both husband and wife of the borrower. Unmarried provide proof of unmarried (within two months).
2. House purchase contract (in duplicate), original and photocopy of the down payment invoice for house purchase; The original and photocopy of the mortgage title certificate, the purchase contract must be registered by the real estate transaction department, and the signing time is not more than one year from the loan application date; Loans to buy second-hand housing, housing property rights transfer certificate and transaction deed tax must be provided; Construction documents and land use documents (or land red line map) approved by the relevant administrative departments must be provided for the construction of owner-occupied housing.
3. The mortgaged property must be within the urban area, and the completion time is not more than 20 years from the loan time, and it does not belong to the house within the scope of demolition.
Related introduction: Changsha provident fund loan to buy all kinds of materials needed for self-occupied housing
Answers to Frequently Asked Questions about Changsha Provident Fund Loan
It is said that "there is a house to have a home". However, in an era when wages are far behind the rising prices, it is generally necessary to take the road of loan if you want to buy a suite. A few days ago, with the introduction of the new policy of Changsha provident fund loans, more and more citizens turned their attention to housing provident fund loans. Then, what conditions can I apply for Changsha provident fund loan? How to deal with it? What is the maximum loan amount? How long is the loan term? How to repay? I believe many people will have such questions. Next, Bian Xiao will give you answers to frequently asked questions about Changsha provident fund loans.
Changsha provident fund loan application conditions
Changsha provident fund loans require that applicants must be employees of administrative departments, enterprises and institutions, and must have paid the housing provident fund for more than six months (including six months) before handling the loan. For employees who are willing to apply for housing provident fund loans in different places, they need to sign the "Cooperation Agreement on Loans in Different Places" with Changsha Housing Provident Fund Management Center before they can apply. The "normal deposit" here requires employees to pay continuously every month.
Changsha provident fund loan processing flow
Step 1: Apply for consultation. The applicant applies to the loan handling department with the application materials of Changsha provident fund loan. The application materials include the borrower's valid resident identity card, a copy of the original household registration book, proof of marital status, legal and valid purchase contract, credit certificate of personal assets and valid proof that no less than 30% of the purchase price has been paid.
Step 2: The loan handling department conducts data review and credit evaluation on the borrower to ensure that the borrower has the ability to repay the Changsha provident fund loan.
Step 3: The borrower signs the loan contract and other contract materials, and the application for Changsha provident fund loan is successful.
Step 4: Wait for the loan from the bank. At this time, the borrower needs to go to the loan bank to get the relevant contract documents for the loan.
Step 5: The borrower repays the Changsha provident fund loan on a monthly basis.
Maximum amount of Changsha provident fund loan
The loan amount of Changsha provident fund loan is determined according to the deposit period and amount of employee housing provident fund, but the maximum loan amount cannot exceed 500,000 yuan.
Term of Changsha provident fund loan
At present, China stipulates that housing provident fund loans will be paid off within 30 years.
How to repay the Changsha provident fund loan?
The repayment method of Changsha provident fund loan is more flexible. Borrowers can choose to bring their own cash to the bank for repayment every month or entrust the bank to withhold it. Borrowers can choose to repay the minimum monthly repayment amount until it is finally paid off, or they can choose to repay more loans at one time according to their own economic strength. At this time, the bank will recalculate and adjust the future repayment period and the minimum monthly payment.
The above are the common problems of Changsha provident fund loans, and Bian Xiao hopes to help you!
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What is the loan process of Changsha housing provident fund?
1. The depositor shall apply to Changsha Housing Provident Fund Management Center for the withdrawal of housing provident fund in duplicate with the "Application for Individual Withdrawal of Housing Provident Fund" verified and sealed by the unit.
2. The approver shall review the completeness and accuracy of the name, account number and other information in the application form and the authenticity of the personal identity card. At the same time, the relevant information provided by depositors shall be reviewed according to these Measures. After checking with the original, the copy shall be kept by the management center and the original shall be returned to the depositor.
3. If the extraction conditions are met, the approver shall fill in the extraction amount on the Application Form, sign it and affix the seal of extraction approval.
4, the approver will meet the requirements of the depositor information and other extracted data in the housing provident fund business system for data entry. If it does not meet the extraction requirements, the approver shall return the extracted materials to the depositor and inform the reasons for the return.
5, the depositor with the "housing provident fund withdrawal certificate" to the withdrawal bank for withdrawal procedures.
Extended data:
"Changsha housing provident fund management regulations" twenty-ninth.
Workers who pay housing provident fund shall meet the following conditions when purchasing, building, renovating or overhauling their own houses within the administrative area of this Municipality, and apply for housing provident fund loans for the first time:
(a) before applying for a loan, the normal deposit of housing provident fund has reached the fixed number of years stipulated by the CMC;
(two) the down payment for the purchase of a house shall not be less than the proportion stipulated by the CMC;
(three) a good reputation, with stable economic income and repayment ability;
(four) the purchase, construction, renovation and overhaul of owner-occupied housing has a legal and effective contract or related procedures;
(5) Providing guarantee.
To apply for a housing provident fund loan again after paying off the first housing provident fund loan, in addition to meeting the conditions stipulated in the preceding paragraph, it shall also meet other conditions stipulated by the CMC.
Employees applying for housing provident fund loans shall not exceed the maximum loan ratio and maximum loan amount stipulated by the CMC.
Baidu Encyclopedia-Changsha Housing Provident Fund Management Regulations