What are the loan conditions of Industrial Bank's provident fund?

Provident fund loan conditions:

Most cities have customized the relevant housing provident fund loan conditions, and the requirements of each city are roughly the same.

1, employees with permanent residence or valid residence identification in the local administrative area;

2. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan;

3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;

4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor;

6. Other conditions stipulated by the local provident fund center.

Information to be submitted when applying for provident fund loan

The information to be provided includes the second-generation ID card, household registration book, marriage certificate, bank account, sales contract, income certificate, etc. If the transaction property is in Panyu District, additional bank flow is needed; Foreign household registration must provide tax payment certificate or social security certificate for more than one year; If there is repayment, it is necessary to provide proof of unit repayment, which needs to be approved by the provident fund center.

Industrial Bank provident fund loan interest rate

The central bank decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions on 20 15124 October, so as to further reduce the social financing costs.

Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.5%; The benchmark interest rates of other loans and deposits and the lending rates of the People's Bank of China to financial institutions are adjusted accordingly; The interest rate of individual housing provident fund loans remains unchanged.

At the same time, commercial banks and rural cooperative financial institutions are no longer allowed to set a floating ceiling on deposit interest rates, improve the formation and regulation mechanism of interest rate marketization, strengthen the regulation and supervision of the interest rate system by the central bank, and improve the transmission efficiency of monetary policy.

The latest Industrial Bank provident fund loan interest rate table:

The annual interest rate of provident fund loans is% within five years (including five years) 2.75 more than five years 3.25

What conditions does Industrial Bank need for personal housing loan?

Requirements for personal housing loan of Industrial Bank:

(1) Having legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

(2) Having a good credit record and willingness to repay;

(three) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

(4) the contract or letter of intent for the sale (pre-sale) of purchased houses and commercial houses;

(5) Being able to pay the down payment of the purchased house;

(6) Opening a personal settlement account in a bank;

(7) Effective guarantee recognized by the lender;

Second-hand housing mortgage loan application conditions:

(1) Legal identity certificate of the borrower;

(2) the borrower's economic income certificate or occupation certificate;

(3) the borrower's household registration book;

(4) Borrowers with spouses need to provide proof of husband-wife relationship;

(5) If * * * is the same as the borrower, a written commitment signed by all parties of the borrower shall be provided to clarify the repayment responsibility of * * *;

(6) Property certificate of the purchased second-hand house;

(7) The house sales contract signed with the seller and the transfer account provided by the seller;

(8) If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender;

(9) the property right of the purchased house * * * a written authorization document that someone agrees to sell the house;

(10) Other documents or materials required by the lender.

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