1. Jiaxing Provident Fund Loan Conditions 2023

Legal Subjectivity: The materials required to apply for a provident fund loan in Jiaxing include transcripts of interviews when applying for a housing provident fund loan, marriage certificate, and payment of construction, renovation, and overhaul costs Voucher, proof or commitment of relationship with the authorized person, down payment voucher, etc. The conditions for application are that the housing provident fund has been paid in full and normally as required, and has been paid continuously for more than 6 months (inclusive) when applying for a loan, etc. Regulation. Regarding the service guide for applying for provident fund loans in Jiaxing, the editor of the website will answer it in detail for you below. 1. Jiaxing provident fund loan application materials: ID card; marriage certificate; transcript of conversation when applying for housing provident fund loan; real estate certificate; commercial housing sales contract; personal credit report or inquiry letter of authorization; household register; down payment voucher; payment voucher for construction, renovation, and overhaul expenses ;***Proof of relationship or commitment of the authorized person; Application form; Proof of identity of the house seller; Repayment account (bank card); Proof of deposit and household registration location; Proof of income; Debit card for payment; Real estate evaluation Report; real estate registration application form; registered real estate sales contract (pre-sale); real estate mortgage contract; trustee ID card. 2. Conditions for applying for a provident fund loan in Jiaxing (1) The housing provident fund has been paid in full and normally as required, and has been paid continuously for more than 6 months (inclusive) when applying for a loan; (2) The applicant purchases a self-occupied house, including newly built products Housing, second-hand housing, affordable housing, resettlement housing, public housing, and construction, renovation, and overhaul of self-owned housing (including renovation of dilapidated old housing) shall not exceed 12 months. Among them, if you purchase a pre-sold commercial house under construction, the signing of the commercial house sales contract shall not exceed 24 months in principle; (3) The applicant and his spouse have stable economic income and the ability to repay the principal and interest of the loan on time, have good personal credit, and have full civil conduct Ability; (4) When purchasing a second-hand house, the real estate agency company has registered with the provincial provident fund center. After signing the contract (payment method is provident fund loan or provident fund commercial combination loan), paying the down payment, and before handling the real estate transaction transfer procedures, Submit a loan application; for a resettlement house loan, the ownership certificate of the resettlement house has been completed by the unit. After the contract is signed, the entire house price has been paid, and before the real estate transaction transfer procedures are completed, the loan application is submitted. (5) If an employee's family (including the main borrower, spouse and minor children) has no house in their name and no housing loan record, they can use the housing provident fund to purchase the first ordinary self-occupied house and implement the first set of policies. When purchasing a second-hand house, if the house is less than 20 years old (inclusive), the loan down payment ratio shall not be less than 30%; if the house is over 20 years old, the loan down payment ratio shall not be less than 40%; for resettlement, the resettlement house has been The ownership certificate must be obtained by the unit, the entire house price has been paid, and the loan amount shall not exceed 70% of the actual house payment. (6) If an employee's family already owns a house or does not have a house but has a housing loan record, the second housing provident fund loan policy will be followed when purchasing an ordinary self-occupied house. The down payment ratio of the loan shall not be less than 60%, and the provident fund loan interest rate shall be based on the same period. The benchmark interest rate for housing provident fund loans is 1.1 times. (7) The down payment ratio needs to be determined comprehensively based on factors such as the condition of the house, price, family repayment ability, and credit status. If you apply for a combination loan or subsidized loan, you must also meet the relevant requirements of commercial banks. (8) The house purchased is an ordinary house for self-occupation in this city, with a house purchase and construction contract and relevant certification materials that comply with legal provisions, and the house purchased and built is agreed to be used as loan guarantee; (9) The applicant and his spouse apply for the first time Use the housing provident fund personal housing loan, or use the housing provident fund personal housing loan but have settled it, and meet the requirements for re-application. 3. Jiaxing’s legal provisions for applying for provident fund loans: Article 26 of the Regulations on the Administration of Housing Provident Funds (State Council Order No. 350) Employees who have deposited housing provident funds may apply to the housing provident fund management department when purchasing, constructing, renovating, or overhauling their own homes. Center to apply for a housing provident fund loan. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center. The above is the relevant content compiled by the editor. There are many materials for applying for a housing provident fund loan in Jiaxing, Zhejiang, including the loan certificate application form and personal identity certificate and other related materials. Then after paying the provident fund continuously for more than 6 months, You can handle related business. If you have any other needs, please go online for one-to-one legal consultation.

2. What is the three-year interest rate of Jiaxing Bank in 2023?

Jiaxing Bank's regular interest rate for three years is 3.93

Partial deposits and lump sum withdrawals/bulk deposits and principal deposits and interest withdrawals for three years are 1.86

Data sources are announced by major banks The interest rate on that day is for reference only. The specific interest rate deviation shall be subject to the announcement on the bank’s official website. The bank's benchmark interest rate is a universal reference rate in the financial market. Other interest rates or financial asset prices can be determined based on this benchmark interest rate.

3. What are the conditions for housing provident fund loans?

Housing provident fund refers to state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions. The long-term housing reserve fund paid by the unit and its current employees. The provident fund loan requires the following conditions: 1. Payment time: The applicant must have a housing provident fund account for 6 months or more than 12 months, and at the same time meet the full and normal payment of provident fund funds for a certain period of time; 2. Lender’s age: Lender’s age The sum of the years of the loan and the loan period is less than 70 years; 3. The applicant has full civil capacity, has the ability to repay the principal and interest of the loan, and has a good credit status; 4. The applicant has paid the down payment for the house purchase as required; 5. The applicant provides documents that comply with these regulations Guarantee is required; 6. The applicant and *** co-applicants meet the requirements of the national, provincial and municipal real estate market management policies; 7. Meet other conditions stipulated by the Provident Fund Management Committee.

4. What are the conditions for Jiaxing provident fund loans?

1. First-hand houses purchased by applicants applying for provident fund loans. The purchase must be based on self-occupied housing.

2. Users who want to apply for Jiaxing provident fund loan. You need to have a permanent residence in this city or a valid residence status.

3. Before applying for a loan. The housing provident fund has been paid and deposited normally for 6 consecutive months, and the important thing is that there has been no interruption in payment.

4. Have stable economic income. No bad credit record, and the ability to repay the principal and interest of the loan as required.

5. Applicants must have a down payment. The self-owned funds of more than 30% of the total price of the first home should be used as the down payment. If the first home is renovated, the self-owned funds of more than 40% of the total price should be used as the down payment.

6. Normally. Applicants who meet the above conditions can apply for provident fund loans in Jiaxing. It should be noted that if the buyers are from the same house, the buyers who own the house and apply for the housing provident fund loan are temporarily limited to parents and adult direct children. Before the house mortgage takes effect, the applicant is also required to provide a guarantor recognized by the client and use the purchased house as a mortgage.