Legal subjectivity:

If you apply for provident fund loans, the entrusting bank will generally issue loans to borrowers. The amount of this loan is generally not particularly high. Provident fund loans are relatively favorable, and the interest rate is generally lower than other commercial loans. What is the guide for Shenyang to apply for provident fund loans? Net Bian Xiao compiled the following contents for your reference. 1. The legal time limit for Shenyang to apply for provident fund loans is 5 working days. 2. Shenyang application for provident fund loan materials 1, bank card 2, commercial housing sales contract (pre-sale) 3, down payment invoice 4, statement 5, personal credit report 6, marriage certificate 7, household registration book 8, certificate of deposit in different places (provided by employees who deposit in different places) 9. Commodity house pre-sale permit 10, ID card 10. Acceptance commitment letter 3. Acceptance conditions for Shenyang to apply for provident fund loans 1. The borrower or * * * and the borrower have paid the housing provident fund in full for more than 6 months, and the employees who have paid in other places have paid the housing provident fund in full for more than 0/2 months. 2. For the purchased real estate, the development enterprise has completed the access procedures for housing provident fund loans. 3. Within 6 months from the date when the buyer signs the commercial house sales contract. 4. The borrower and the borrower have no outstanding loans and guarantees (including commercial loans, online loans and credit cards). 5. The borrower and the borrower's personal credit report have not been overdue for three consecutive times in the past three years, with a cumulative record of six times. Four. The legal basis for accepting the application for provident fund loans in Shenyang is Article 26 of the Regulations on the Management of Housing Provident Fund. Employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. Shenyang's application for provident fund loans is a preferential policy. At present, China's housing provident fund is only established in cities, and there is no housing provident fund system in rural areas. Institutions and state-owned enterprises pay the highest proportion of housing provident fund for employees. If you have any other questions, please visit the website for one-on-one legal consultation.

Shenyang provident fund loan amount

Shenyang provident fund loan applicants pay housing provident fund, with a maximum loan amount of 400,000 yuan; The applicant and * * * both applicants pay housing provident fund, with a maximum loan amount of 600,000 yuan; The maximum loan amount for three or more family members is 800,000 yuan. In the suburbs, the applicant pays the housing provident fund with a maximum loan amount of 350,000 yuan; The applicant and * * * both applicants pay the housing accumulation fund, and the maximum loan amount is 500,000 yuan; The maximum loan amount for three or more family members is 550,000 yuan.

Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local towns, have established the housing provident fund system for more than 6 months, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient.

The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.

The total amount of provident fund paid by the borrower and his family members is at least 20% of the newly purchased (overhauled) housing expenditure; The lender has a stable economic income and the ability to repay the principal and interest; The borrower agrees to apply for housing mortgage registration insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

Conditions and requirements of Shenyang provident fund loan

Conditions and requirements of Shenyang provident fund loan:

1. Hold legal and valid identity documents;

2. Have full capacity for civil conduct;

3. Have the ability to repay the loan principal and interest;

4. Pay the down payment of house purchase according to the relevant proportion;

5 according to the provisions of the normal continuous full deposit of housing provident fund;

6. The applicant agrees to the loan method approved by the Housing Provident Fund Management Center;

7. The applicant has no outstanding debts;

8. The development enterprise of the purchased building has signed a guarantee agreement with the center;

9. Meet other conditions stipulated by the State and the Housing Provident Fund Management Committee.

Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.

Category:

The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.

(Note: Not all provident fund centres provide the above-mentioned loans. Please consult the local housing provident fund management institution first. )

Features:

Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.

Processing flow:

1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3 provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to go through the loan formalities according to the approval result of the provident fund center, and the borrower and his wife shall sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

The introduction of Shenyang provident fund loan conditions and Shenyang second-hand housing provident fund loan quota ends here. I wonder if you have found the information you need?