I. Loan conditions
On October 9th, 2065438+0414/KLOC-0, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund, which adjusted the conditions for handling loans, loan amount, fees for related projects and provisions on mutual recognition in different places.
At present, before applying for provident fund loans, borrowers should normally deposit housing provident fund 12 months or more in the city where they work.
After the reform: before applying for the provident fund loan, the borrower has paid the housing provident fund for more than 6 months (inclusive).
Mutual recognition in different places: employees can apply for individual housing loans from the housing provident fund management center where they are registered with their domicile on the basis of the deposit certificate issued by the housing provident fund management center in their place of employment.
The content of the new policy has not been formally implemented in Hangzhou, and it is still implemented according to the original system. Details are as follows:
1. The housing accumulation fund has been paid in full and normally according to the regulations, and it has been paid continuously when applying for a loan 1 year or more;
2. The purchased house is an ordinary house occupied by the city, with a purchase contract and relevant certification materials in compliance with the law, and agrees to use the purchased house as a loan guarantee;
3. The sale of the property has been approved by the center, and the loan application is made after signing the contract (the payment method is agreed as mortgage loan) and paying the down payment;
4. For the purchase of commercial housing, the down payment ratio of the loan shall not be less than 30%, and shall not be less than the minimum down payment ratio agreed in the Central Real Estate Cooperation Agreement.
Other categories:
1. All provinces, autonomous regions and municipalities directly under the Central Government should realize mutual recognition and transfer of housing provident fund deposits in different places and promote the loan business in different places.
2. If the housing provident fund is deposited in different places and the deposit is less than 6 months, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place.
3. In cities divided into districts where the personal housing loan issuance rate of housing provident fund is less than 85%, the first set of self-occupied housing loan quota will be appropriately increased according to the local commodity housing price and per capita housing area, and the support for paid employees to purchase houses will be increased.
4. Housing provident fund Personal housing loan guarantee is mainly based on the purchased housing mortgage. Cancel housing provident fund, personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee fees.
Second, the loan process
1, loan application
According to the different types of houses purchased, employees apply for loans from the entrusted banks.
2. Loan acceptance
(1) The provident fund center or the entrusted bank conducts a preliminary examination on the authenticity and compliance of the applicant's loan conditions, application materials, application amount and other contents;
(2) If the loan is approved in the first instance, the entrusting bank shall invite the applicant for an interview to further understand the loan purpose, repayment willingness and repayment ability of the applicant, and establish interview records;
(3) If the preliminary examination and interview meet the requirements, the entrusted bank will accept the loan application.
3. Lending approval
(1) If the employee loan application is accepted by the entrusted loan bank, the entrusted loan bank shall submit it to the provident fund center for approval in time.
(2) The Provident Fund Center shall complete the loan approval within 7 working days from the date of accepting the loan or receiving the materials submitted by the entrusted bank. Provident fund portfolio loans need to be approved by the loan bank of the Economic Commission as commercial loans.
(3) If the examination and approval cannot be completed within 7 working days due to special circumstances, it may be extended by 5 working days with the approval of the person in charge of the provident fund center, and the provident fund center or the entrusted bank shall inform the applicant of the reasons for the extension.
(4) If the employee loan application is not approved, the provident fund center or the loan bank shall inform the applicant of the reasons.
4. Contract signing
If the employee loan application is approved, the entrusted bank shall notify the borrower to go through the signing formalities. The Borrower, his spouse, the property owner, the guarantor, the entrusted bank and the provident fund center * * signed the Hangzhou Provident Fund Personal Housing Guarantee Loan Contract (hereinafter referred to as the Guarantee Loan Contract). The borrower also signed a loan receipt.
5. Loan review
After receiving the house mortgage certificate, the Center will review the loan, and the loan conditions are as follows:
(1) If it is a forward-selling commercial housing (affordable housing) loan, the loan conditions are: the advance notice registration certificate has been collected, and the owned property has been declared closed.
(2) Loans for existing commercial housing (affordable housing), with the loan conditions as follows: the property ownership certificate has been completed and obtained, and the property to which it belongs has been mortgaged.
(3) Other loans, such as second-hand houses and housing reform houses, are subject to the following conditions: the housing ownership certificate has been filled in and received.
6. Lending
The entrusted bank shall issue loans according to the loan conditions agreed in the secured loan contract, and the loan funds shall be transferred according to the account agreed in the contract.
(1) If you apply for commercial housing loans (including affordable housing), the loan funds will be directly transferred to the designated special supervision account for pre-sale funds of commercial housing.
(2) If applying for a second-hand housing loan, the loan funds will be transferred to the supervision and payment account of the real estate agency in the entrusted bank in the name of the borrower.
(3) When applying for housing reform loans and resettlement housing loans, the loan funds will be transferred to the borrower's bank deposit account.
Third, the loan materials
Employees should apply for loans from the entrusted bank according to the different types of houses purchased, fill in the Application Form for Housing Provident Fund Loan in Hangzhou, and provide the ID card, household registration book, marriage certificate, income certificate, family property inquiry certificate of the applicant and his spouse and the owner of the house property, as well as the corresponding proof materials for purchasing houses:
1. If purchasing commercial housing (including affordable housing), the purchase contract and down payment receipt (invoice) shall be provided.
2. If buying a second-hand house in this city, provide the house transfer contract, down payment receipt (invoice) or cash payment slip (the collection account must be a supervision payment account), the transferor's house ownership certificate, state-owned land use certificate and deed, agency contract and fund supervision payment agreement.
3. For the purchase of public housing, provide the purchase and sale agreement of public housing, the price approval form, the supervision certificate of housing sales and storage, and the seller's housing ownership certificate.
4. For demolition and resettlement, provide the property right exchange agreement for house demolition, the demolition and resettlement agreement or the supplementary agreement for demolition, the purchase invoice for resettlement house, and the house ownership certificate of the demolition and resettlement unit (household registration book).
Fourth, the loan amount and interest rate.
(1) Loan amount
1. Apply for provident fund loan for the first time to buy a first-hand house. The maximum loan ratio is 80% of the total house price, 50% of the monthly deposit amount of unilateral employee provident fund is below 800 yuan (including unit subsidy, the same below), and 80% of the monthly deposit amount of unilateral employee provident fund is above 800 yuan (inclusive);
2. If it is not the first time to apply for a provident fund loan, the maximum loan ratio is 70% of the total house price (but the maximum loan ratio is still 80% of the total house price when buying a first-hand house below 90 square meters), and the monthly contribution of the unilateral employee provident fund is 50% below 800 yuan;
3. The monthly deposits of unilateral employees in 800 yuan (inclusive) account for 70% (but the highest proportion of first-hand housing loans below 90 square meters is still 80% of the total house price).
(2) Loan interest rate
From July 6, 20 12, the annual interest rate of provident fund loans for less than five years (including five years) is 4.0%, and the annual interest rate for more than five years is 4.5%.
Special reminder: the loan interest rate is subject to the housing provident fund loan interest rate stipulated by the People's Bank of China on the day of loan issuance. If the loan term is within 1 year (including 1 year), the contract interest rate shall be implemented, and the legal interest rate shall not be adjusted; If the loan term exceeds 1 year, when the legal interest rate is adjusted, the new interest rate standard will be implemented according to the corresponding interest rate grade from next year.
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