The loan condition of Baicheng Provident Fund is 1, and it has permanent residence or valid residence status in various urban areas of Baicheng. 2 have a stable professional income, good credit and the ability to repay the principal and interest of the loan. 3. The applicant and the employer have established a normal housing provident fund deposit relationship with the management center, and have continuously paid the housing provident fund in full 12 months at the time of loan. Applicants and provident fund payers must be consistent. 4. The applicant must purchase and build self-occupied housing within the jurisdiction of Baicheng City, and the nature of the land is state-owned residential land. The applicant must agree to mortgage the loan with all the property rights of the house purchased. 5. The applicant's housing provident fund account has not been frozen or sealed up. 6. The house ownership certificate and deed tax payment certificate shall not exceed one year from the date of issuance. 7. For the applicants who purchase the first set of self-occupied existing houses, the down payment ratio shall not be less than 30% of the total price of the houses purchased, and the down payment ratio for the houses of 90 square meters and below shall not be less than 20%. The down payment ratio of the purchased house shall not be less than 30% of the contract price difference. For the purchase of a second house, the down payment ratio shall not be less than 50%, and the loan interest rate shall be raised to 1. 1 times of the personal housing loan interest rate of the first housing accumulation fund in the same period. If you buy a third or above house, you will stop issuing housing provident fund personal housing loans. 8. The applicant and spouse shall authorize the management center to inquire about personal credit status in the basic database of personal information of the People's Bank of China.
2. What are the conditions for Taiyuan provident fund loan?
To apply for a loan, the borrower shall meet the following conditions: (1) The borrower has paid the housing provident fund in full for more than 6 months before applying for a loan in accordance with the provisions of this Municipality on the administration of housing provident fund, and has paid off the loan debts cumulatively, and has not provided loan guarantees or auxiliary loans to other provident fund borrowers. (two) the owner of the house who buys, builds or occupies the house, or the owner of the house who buys public houses, and the immediate family members who live together with the owner of the house; (good credit, paid purchase, construction and renovation, as well as the approval documents of land, construction, planning and other departments and the prescribed proportion of self-raised funds; (five) to provide guarantees that meet the requirements and are recognized by the management center; (6) Other prescribed conditions. Article 5 The management center provides loans to borrowers who have the following behaviors: (1) purchasing public housing, affordable housing and market housing (second-hand housing) and participating in fund-raising or cooperative housing construction by units; (two) the construction, renovation, overhaul and decoration of owner-occupied housing; (three) to own or third-party housing ownership as collateral to buy the right to use public housing; (four) for employees to repay the housing loans of commercial banks.
3. What are the requirements for housing provident fund loans in Taiyuan?
Policies and procedures of housing provident fund loan conditions in Taiyuan City Personal housing provident fund loans refer to policy-based housing loans for the purchase, construction, renovation and overhaul of self-occupied housing. , entrusted by the housing provident fund Guangli Center to the employees who normally pay the housing provident fund.
Loan terms loan terms loan terms loan terms loan terms loan terms loan terms
(1) The borrower and his/her unit can pay the housing provident fund in full monthly at the specified payment base and proportion more than six months before the loan application date.
(2) the purchase, construction, renovation, overhaul and other self-occupied housing consumption certificates approved by the provident fund center;
(3) The borrower must have a stable income and the ability to repay the principal and interest of the loan on schedule, and the monthly repayment amount cannot exceed 50% of the income provided by him.
(4) Being able to provide loan guarantee recognized by provident fund.
(5) There is no outstanding housing provident fund debt.
Loan terms loan terms loan terms loan terms loan terms loan terms loan terms
(1) The borrower and his/her unit can pay the housing provident fund in full monthly at the specified payment base and proportion more than six months before the loan application date.
(2) the purchase, construction, renovation, overhaul and other self-occupied housing consumption certificates approved by the provident fund center;
(3) The borrower must have a stable income and the ability to repay the principal and interest of the loan on schedule, and the monthly repayment amount cannot exceed 50% of the income provided by him.
(4) Being able to provide loan guarantee recognized by provident fund.
(5) There is no outstanding housing provident fund debt. Loan term: the longest loan term shall not exceed 30 years, and the loan term plus the borrower's age shall not exceed the borrower's statutory retirement age.
loan interest
Loan interest Loan interest provident fund loan interest rate is implemented according to the interest rate level stipulated by the People's Bank of China. At present, the annual interest rate is 3.33% within five years (including five years) and 3.87% over five years. If the loan term exceeds 1 year, and the interest rate of the provident fund loan is adjusted, the interest rate of the corresponding term will be implemented from next year.
Loan repayment
Loan Repayment Loan Repayment Loan Repayment At present, the repayment method of provident fund loans is average principal, with the loan interest decreasing month by month, and the monthly repayment amount decreasing month by month; To repay the housing provident fund loan in advance, the borrower must go to the counter of the entrusted loan bank, free of penalty interest and handling fee, and the amount is unlimited.
Loan service provider
Loan Service Loan service The loan service unit will organize loans for more than 65,438+00 people, or in case of special circumstances such as the borrower's illness and hospitalization, the center will provide on-site joint loan service together with banks, guarantee and other relevant departments.
(The above answers were published on 20 13-09-05. Please refer to the actual situation for the current purchase policy. )
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Fourth, the new policy of Taiyuan provident fund loan?
According to the spirit of the Notice on Lowering the Interest Rate of the First Personal Housing Provident Fund Loan issued by the People's Bank of China on September 30, 2022, the Center will implement the new interest rate for existing loans from June 5438+ 10/.
The first individual housing provident fund loan issued before June 65438+1 October1in 2022 will be adjusted from 2.75% to 2.6% for less than five years and from 3.25% to 3. 1% for more than five years. The interest rate of the second set of individual housing provident fund loans remains unchanged.
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According to the regulations of the People's Bank of China, since June 65438+ 10/day, 2022, the interest rate of the first individual housing provident fund loan will be lowered by 0. 1 5 percentage point, and the interest rates for less than five years (including five years) and more than five years will be adjusted to 2.6% and 3. 1% respectively. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years are 3.025% and 3.575% respectively.
1. For loans issued before June 65438+ 10/2022, the adjusted interest rate of the first home loan will be implemented from June 65438+ 10/2023;
2. For the first set of individual housing provident fund loans that have been applied but not issued before June 10, 2022, the adjusted interest rate of individual housing provident fund loans shall be implemented;
3. Apply for the first personal housing provident fund loan after June 65438+1 October1in 2022, and implement it at the adjusted interest rate, and take strict precautions after acceptance.