Loan conditions of provident fund for resettlement houses in Qingdao
On June 5438+February 65438+February 9, 2008, Qingdao Provident Fund Management Center launched the mortgage loan business for the demolition and resettlement houses that could not be registered as mortgages. The loan is mortgaged by the relocated house or guaranteed by Qingdao Housing Property Rights Guarantee Center, with the maximum loan amount of 400,000 yuan and the longest loan period of 30 years.
The applicant for the housing provident fund loan for the demolition resettlement housing should pay the housing provident fund for three consecutive months and withdraw the housing provident fund for six months within the last six months of applying for the loan, and hold the housing compensation agreement for the demolition of residential housing (for resettlement in different places, the compensation agreement should indicate the specific address of the resettlement housing).
In addition, for the housing provident fund loans for resettlement houses, the compensation part of the demolished houses must be taken as the down payment in full, and the proportion of the compensation part in the market value of the demolished houses shall not be lower than the minimum down payment ratio of the commercial housing provident fund loan area; If the resettlement house has mortgage conditions, it shall provide mortgage guarantee for the resettlement house; If the relocated house does not meet the mortgage conditions, it will be guaranteed by Qingdao Housing Property Rights Guarantee Center, and the guarantee rate is 5/10000/year. To apply for a loan by way of housing purchase guarantee, the borrower shall provide counter-guarantee to the housing purchase guarantee center, that is, the borrower shall provide the corresponding collateral recognized by the guarantee center. Relocation housing developers need to sign a cooperation agreement with the center.
The maximum loan amount of housing provident fund loans for resettlement houses is 400,000 yuan, which shall not exceed the total price difference of resettlement houses. The longest loan period is 30 years, not exceeding 5 years after the applicant's statutory retirement age (65 years for men and 60 years for women).
Loan conditions of Jinan resettlement housing provident fund
20 10 in may, Jinan housing provident fund management center issued the notice on handling housing provident fund loans for resettlement houses in shanty towns in Jinan, which made special provisions on applying for provident fund loans for resettlement houses in shanty towns.
The contents of the notice mainly include: all employees who normally pay the housing provident fund can apply for housing provident fund loans to purchase resettlement houses during the renovation and resettlement of shanty towns. At the same time, the notice specifically pointed out that the shantytown renovation project undertaken by Jinan Old City Reconstruction Investment and Financing Management Center was guaranteed by the center, and the Demolition and Resettlement Agreement was signed with the demolished workers, which could replace the purchase contract and the down payment receipt, and the demolished workers could apply for provident fund loans by providing this agreement.
Yantai resettlement housing provident fund loan conditions
The staff of the Loan Management Section of Yantai Provident Fund Management Center said that the demolition and resettlement houses can apply for housing provident fund loans. Loans for resettlement houses are usually made when the old houses have been demolished and the new houses have not been completed and delivered. Therefore, the resettlement housing loan has more special requirements than the general provident fund loan: first, the purchased resettlement housing or other houses are used as collateral; Second, loans can only be issued for increased investment; Third, the terms of the demolition and resettlement agreement are complete and clearly stated. Employees who meet the general housing provident fund loan conditions can apply for provident fund loans for resettlement houses if they meet these three conditions.
(The above answers were published on 20 13-05-03. Please refer to the current actual purchase policy. )
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