Unscramble the definition of provident fund loan
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. 20 12 Some cities relaxed the conditions of provident fund loans, and the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1 2.
Housing provident fund loans must be mortgaged.
Housing provident fund loan guarantee method?
There are four ways to guarantee personal provident fund housing loans. The borrower can choose according to the loan needs:
(1) guarantee
Through a guarantor? Guarantee company? Provide joint liability guarantee for the borrower. The guarantor shall sign a guarantee contract with the provident fund center.
(2) Mortgage guarantee
A borrower may use his or others' property as collateral.
If the collateral belongs to * * * property (including * * property formed during the existence of husband-wife relationship), all * * * owners shall provide proof of consent to mortgage; If the borrower mortgages the property of a third party, it shall issue a certificate (or undertaking) that the creditor agrees to mortgage.
Property with unclear or controversial ownership, dangerous houses, property that has been or will be included in the scope of demolition, and collective land cannot be used as collateral. Collateral shall be evaluated in accordance with regulations. The mortgagor shall sign a mortgage contract with the provident fund center.
Real estate mortgage shall be registered with the real estate management department according to law? Obtain the certificate of other rights or the certificate of filing before mortgage.
(3) individual housing provident fund guarantee
The borrower or others provide joint liability guarantee for the borrower with individual housing provident fund. The guarantor's housing provident fund balance should reach more than 80% of the loan amount.
Take the housing accumulation fund as the borrower's guarantee? Within the warranty period? Guarantors cannot apply to the provident fund center to withdraw their own housing provident fund, nor can they apply for housing provident fund loans. When the amount of the borrower's housing provident fund reaches 80% of the loan balance? Its guarantor automatically cancels the guarantee.
The guarantor shall sign a guarantee contract with the provident fund center.
(4) Pledge guarantee
The borrower takes bonds, bank certificates of deposit and other securities as collateral and guarantees them in full. The pledgor shall sign a pledge contract with the provident fund center and go through the formalities of freezing and stopping payment of the pledged property? The pledge is kept by the provident fund center.
(The above answers were published on 20 13-02-05. Please refer to the current actual purchase policy. )
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