First, the basic conditions of Hangzhou provident fund loans
Employees applying for housing provident fund loans shall meet the following basic conditions:
1. The housing provident fund shall be paid in full and normally as required, and it has been paid continuously for more than 6 months (inclusive) when applying for a loan.
2. The purchased house is an ordinary house occupied by the city, with a purchase contract and relevant supporting materials in compliance with the law, and it is agreed to use the purchased house as a loan guarantee.
3. If the commercial house is purchased, the sales building has been approved by the center, and after signing the contract (the payment method is agreed as mortgage loan) and paying the down payment, the loan application is filed.
4. If you buy a second-hand house, the real estate agent can apply for a loan after filing in the center, signing a contract (the payment method is agreed as mortgage loan) and paying the down payment, and before handling the transfer formalities of real estate transactions.
5, the purchase of public housing, should be signed in the contract, pay all the house price, can handle the real estate transaction transfer procedures, apply for a loan.
6, demolition and resettlement, should be in the signing of the contract, all the house price has been paid, the real estate transaction transfer procedures, put forward a loan application. If there are two or more houses under the name of the employee's family, or if the provident fund loan is not settled, the provident fund loan will not be issued.
Second, the application 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, the purchase of public housing, provide public housing purchase and sale agreement, price approval form, sales supervision certificate, the seller's housing ownership certificate.
4. For demolition and resettlement, after signing the contract and paying off the total purchase price, before going through the formalities of real estate transaction transfer, apply for a loan, provide the house demolition property right exchange agreement, resettlement agreement or supplementary agreement for demolition, purchase the invoice for resettlement house, the house ownership certificate (household registration book) of the demolition and resettlement unit, and the capital statement.
Third, the provident fund loan process
(1) loan application
According to the different types of houses purchased, employees apply for loans from the entrusted banks.
(ii) Accepting loans
1. The provident fund center or the entrusted bank shall conduct a preliminary examination of the authenticity and compliance of the applicant's loan conditions, application materials and application amount.
2. If the loan is approved in the first instance, the entrusting bank will 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) loan 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 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 for 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 entrusted 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.
(v) Loan audit
After receiving the house mortgage certificate, the Center will review the loan, and the loan conditions are as follows:
1. Pre-sale commercial housing (affordable housing) loan, the loan conditions are: the advance notice registration certificate has been completed and received, and the property has been declared.
2. Existing commercial housing (affordable housing) loan, the loan conditions are: completed and received the property ownership certificate, and the owned property has been mortgaged.
3. Second-hand houses, housing reform houses and other loans, the loan conditions are as follows: the housing ownership certificate is completed and received.
(6) Loan issuance
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 you apply 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.
Four, Hangzhou provident fund loan period
The longest loan period is 30 years, not exceeding the statutory retirement age of employees and their spouses for 5 years (65 years for men and 60 years for women). Among them, the second-hand housing loan period plus the housing age does not exceed 40 years.
Verb (abbreviation of verb) Hangzhou provident fund loan amount
1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million.
2. The specific loanable amount is comprehensively determined according to the employee's monthly deposit, house price, down payment ratio, personal credit status and other factors.
3. The Provident Fund Center shall, according to the average wage standard of employees in urban units in Hangzhou in the previous year and the minimum monthly wage standard of that year determined by the Municipal Bureau of Statistics, implement the corresponding monthly deposit standard of the loanable amount of provident fund from June 65438 to 10 every year.
From 20 14, 10, 1, to 20 15, 10, 3 1, the monthly payment of employees is higher than 148 yuan (inclusive) and lower than 530 yuan, with the highest. The monthly deposit of employees is higher than that of 530 yuan (inclusive) but lower than 1.274 yuan, and the maximum loanable amount is 300,000 yuan; If the employee's monthly deposit is higher than 1.274 yuan (inclusive), the maximum loanable amount is 500,000 yuan.
4. From the date of 2011in 2005, the loanable amount of employee housing provident fund is calculated according to the monthly average balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result is rounded to thousands. If the calculation result is higher than 500,000 yuan, it is determined to be 500,000 yuan, which is lower than150,000 yuan. The average monthly balance of employee's housing provident fund account is the average monthly balance of employee's housing provident fund account for nearly 12 months when applying for a loan (excluding one-time payment for nearly 12 months). If it is less than 12 months, it shall be calculated according to the actual number of months.
The above is the most detailed answer about what procedures Hangzhou housing provident fund loan needs to go through. At the same time, it also introduced the application conditions, loan period and quota of provident fund loans for everyone. A clear understanding of these matters can help us to better plan the family housing budget, loan term and repayment amount, and be familiar with the relevant procedures, which will help the smooth progress of housing loans.
(The above answers were published on 2015-12-10. Please refer to the actual situation for the current purchase policy. )
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