Letter of credit clause
1. Pay the housing provident fund in full and on time for more than 6 consecutive months (calculated from the date of loan application).
2. Have a stable occupation and income and a good credit status.
3. Have the ability to repay the loan principal and interest on schedule.
4. There is a legal and effective purchase contract or agreement.
5. More than 20% of the house price has been paid. (20% down payment for the first application for pure provident fund loans and 30% down payment for the second application; 30% down payment for portfolio loans without outstanding commercial loans and 40% down payment for portfolio loans with outstanding commercial loans. )
Loan procedure
1, apply. With my ID card, the borrower will go to the corresponding business outlets of the center to receive the Application Form for Housing Provident Fund Loan, fill it out and submit the required valid certification materials. Our center will make a decision on whether to lend within 10 working days from the date of acceptance.
2. Sign a loan contract. After the loan is issued by our center, the borrower signs a loan contract and related contracts with the bank entrusted by the center, and goes to the Housing Authority for mortgage registration.
3. Allocate loans. After the loan contract comes into effect, the loan funds will be transferred to the account of the selling unit according to the loan contract.
credit terms
1. The borrower must still pay the provident fund normally.
2. The main structure of the house purchased by the borrower must be capped.
Loan type
1. Pure provident fund loans: low-interest policy loans issued to employees who buy self-occupied housing, which can be used to buy ordinary self-occupied housing such as commercial housing, affordable housing, fund-raising housing, dilapidated housing, second-hand housing and self-built housing.
2. Portfolio loan: If the pure provident fund loan is still insufficient to pay for the house purchase, you can apply for a commercial house loan from the bank to supplement the house purchase funds.
3. Loans from different cities in Beibu Gulf Economic Zone: Nanning, Beihai, Fangchenggang and Qinzhou are regarded as one city. Workers who have paid housing in four cities can apply for loans from different places and implement the same city policy.
Loan amount and term
1. The loan amount shall not exceed 80% of the total purchase price, and the maximum loan amount shall be 600,000 yuan.
2. The loan term is 1-30 years.
loan rate
The loan interest rate is divided into two grades: the annual interest rate for loans with a term of less than five years (including five years) is 3.00% (monthly interest rate is 2.5‰), the annual interest rate for loans with a term of more than five years is 3.50% (monthly interest rate is 2.9 17‰), and the benchmark interest rate is used for housing provident fund loans for the second time.
Comparison table of repayment amount of individual housing provident fund loans and commercial loans per 10,000 yuan: yuan.
(This table is based on the interest rate announced by the People's Bank of China on June 28th, 20th15th) Nanning Housing Provident Fund Management Center.
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(The above answers were published on 20 15- 10-26. Please refer to the current actual purchase policy. )
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