Two, the purchase of ordinary commercial housing development projects have signed a cooperation agreement with Harbin Housing Provident Fund Management Center; The purchased second-hand house should have the legal property ownership certificate in the name of the seller, and the completion year of the second-hand house should be within 15 years.
Three, apply for personal housing provident fund loans should have the conditions.
1. A natural person with full capacity for civil conduct;
2. In accordance with the relevant provisions of the housing provident fund center where the borrower is located, the housing provident fund has been paid in full for more than 6 months;
3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
4. There is a purchase contract or agreement that meets the legal requirements;
5, there are more than 20% of the total purchase price of owner-occupied housing.
Fourth, the loan amount.
The maximum loan amount is 500,000 yuan. The purchase of commercial housing shall not exceed 80% of the total purchase price. The purchase of second-hand houses shall not exceed 70% of the total purchase price (houses with a construction area of less than 90 square meters shall not exceed 80% of the total purchase price), and the total purchase price of second-hand houses shall be subject to the lower of the transaction and evaluation value. The maximum amount of portfolio loans is 850,000 yuan, including 500,000 yuan for provident fund loans and 350,000 yuan for mortgage loans from commercial banks.
Verb (abbreviation for verb) loan period
The loan period 1-35 years, the loan period of male employees plus the borrower's age shall not exceed 65 years, and the loan period of female employees plus the borrower's age shall not exceed 60 years. The term of commercial loans in portfolio loans must be the same as that of provident fund loans.
6. The loan interest rate shall be subject to the provisions of the People's Bank of China. The current interest rate is: loan term 1-5 years (including 5 years), with an annual interest rate of 3.33% (monthly interest rate of 2.775 ‰); The loan term is 6-35 years (including 35 years) and the annual interest rate is 3.87% (the monthly interest rate is 3.225‰).
7. Loan information to be provided.
1. housing provident fund personal housing loan application form (collected from the center or downloaded from the provident fund website). Website:);
2. The original and photocopy of the applicant's valid household registration book, identity card or other required documents;
3. Proof that the housing provident fund has been paid in full for more than 6 months (issued by the housing provident fund center where the borrower is located);
4. Two originals of the legal purchase contract or agreement;
5. Original and photocopy of the down payment receipt for house purchase;
6. The current passbook opened by the borrower in the entrusted bank;
7. If the borrower has a spouse and the husband and wife are not in the same domicile, the original and photocopy of the household registration and marriage certificate of both parties shall be provided;
8. Two recent one-inch bareheaded color photos of the borrower and the borrower, and one six-copy seal each.