1. Individuals who have paid the provident fund for more than half a year at the specified time and amount and have civil capacity;

2. Buying a house in Chongqing, getting a loan, and obtaining a real estate title certificate;

3. Have a serious career, stable income and good reputation;

4. There are legal and valid purchase contracts and real estate licenses;

5. Agree to mortgage the house;

6. Other relevant contents.

Main attributes

(1) security, the establishment of employee housing provident fund system, which provides a guarantee for employees to solve housing problems faster and better;

(2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form mechanisms and channels for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund;

(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.

main feature

(1) universality, urban workers must pay the housing provident fund in accordance with the provisions of the Regulations, regardless of the nature of their work units, family income level and whether they have housing;

(2) Mandatory (policy-oriented). If the unit fails to register the deposit of housing provident fund or fails to set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. If no correction is made within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people for compulsory execution;

(3) Welfare, in addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;

(4) Retractability: If the employee retires, resigns, or completely loses the ability to work and terminates the labor relationship with the unit, or the household registration moves out and settles abroad, the paid housing provident fund will be returned to the individual employee.

Chongqing Commercial Transfer Provident Fund Loan Conditions 2022

I. Loan amount

(1) Loan amount

The maximum amount of personal housing loan for housing provident fund is 400,000 yuan, and the personal loanable amount is 25 times of the balance of housing provident fund account; If the husband and wife jointly participate in the loan, the loan amount issued to the employees and their spouses shall be calculated by adding the individual loan amount, and the total amount of individual housing loans for a single housing provident fund shall not exceed 2 times of the individual maximum amount.

(2) Percentage of loans

If the employee's family deposits the employee to purchase the first set of housing, the maximum loan ratio of the housing provident fund personal housing loan is 80% of the value of the purchased housing; If the employee's family pays the employee to buy a second house, the maximum loan ratio of the housing provident fund personal housing loan is 60% of the value of the purchased house.

(3) Other quota provisions

1, the employee's family buys the first second-hand house, and the maximum loanable amount is 80% of the lower of the appraised value of the purchased second-hand house and the transaction amount filed by the real estate registration agency; For the second set of second-hand houses purchased by employees' families, the maximum loan can be 60% of the lower of the appraised value of the second-hand houses purchased and the transaction amount filed by the real estate registration agency; The amount of the first-hand housing replacement loan shall not exceed the remaining principal balance of the original loan at the time of application; Second-hand housing replacement loans should comply with the provisions of the first-hand housing replacement loans and second-hand housing mortgage loans.

2. The monthly debt paid to the employee's family shall not exceed 50% of the family's monthly income.

Second, the loan interest rate.

The personal housing loan interest rate of housing provident fund shall be implemented in accordance with the provisions of the People's Bank of China, and adjusted with the interest rate adjustment of the People's Bank of China. At present, the annual interest rate of loans for less than five years (inclusive) is 2.75%, and the annual interest rate of loans for more than five years is 3.25%. If the employee's family is paid to buy a second house, the loan interest rate shall not be lower than 1. 1 times of the personal housing loan interest rate of the first housing provident fund in the same period.

Third, the loan term.

The longest term of housing provident fund personal housing loan is 30 years, and the maturity date of the loan shall not exceed 5 years after the borrower's statutory retirement time.

Fourth, the loan participation regulations.

The borrower's spouse with full capacity for civil conduct may participate in the loan (hereinafter referred to as "participating in the loan") when the housing provident fund has been paid in full and on time for more than half a year. Where the husband and wife jointly participate in the loan, the loanable amount issued to the employees and their spouses is calculated as the personal loanable amount, and the borrower's spouse's participation in the loan is regarded as the * * * of the housing provident fund personal housing loan.

Verb (abbreviation for verb) Other policies and regulations

In accordance with the relevant policies and regulations of the state and our city, provident fund loans support the reasonable housing needs of employees, and only accept the application for commercial personal housing loans to housing provident fund personal housing loans (replacement loans) to buy the first set of housing, and do not accept the purchase of the third and above housing and the "three noes" personnel housing provident fund personal housing loans.

(a) the purchase unit identified the implementation of the "housing loan" standard. The housing information shall be subject to the query results of the real estate registration management institutions in our city, and the housing loan records shall be subject to the query results of the personal credit information basic database of the People's Bank of China, the housing provident fund supervision institutions and other housing provident fund management centers.

(2) the identification of "three noes". Refers to individuals who have no household registration, no enterprise and no job in Chongqing at the same time. "Household registration" refers to the household registration of the purchaser in Chongqing; "Self-owned enterprise" refers to an enterprise (including company, partnership and sole proprietorship) that has been established in Chongqing according to law at the time of purchasing a new house for 1 year, and the enterprise has continued to carry out business activities and has relevant tax payment or social security payment records (except for purchasing shares of listed companies through the secondary market); "Having a job" refers to being employed in Chongqing, participating in social insurance in Chongqing within 1 year, and paying social insurance premiums for more than 12 months (including individual industrial and commercial households and their employees, paying social insurance premiums for more than 12 months continuously in the new year).

What are the loan conditions for Chongqing commercial loan to provident fund?

1. Preparation materials 1, valid identity documents and household registration books of loan applicants and their spouses, property owners and spouses; 2. Proof of marital status of the loan applicant and the property owner, including marriage certificate, divorce certificate, divorce agreement (filed), divorce judgment, single statement, etc. ; 3. Proof of income of the loan applicant and spouse. If the loan applicant and spouse agree to calculate the monthly income according to the monthly payment of their housing provident fund, there is no need to provide proof of income. The income certificate shall be stamped with the official seal of the unit or the seal of the personnel department. If the income proves that the monthly income exceeds 6,543,800 yuan, it is necessary to provide bank flow for nearly 6 months; 4. The original of Chongqing Real Estate Sales Contract, Commercial Loan Contract and mortgage registration procedures with complete seals and valid registration; 5, the original commercial personal housing mortgage loans (excluding provident fund portfolio loans) in recent not less than 3 months of loan repayment details, should indicate the current remaining loan principal balance; 6. Copy of title certificate (title certificate or house ownership certificate, state-owned land use certificate); 7. A real estate price appraisal report issued by a real estate price appraisal agency recognized by the Provident Fund Center (remaining valid for more than 30 days); 8. The borrower's repayment account must be a first-class personal account of the loan application bank; 9. Personal credit report of the loan applicant and spouse (the report is valid for 3 months); 10, other information required by the provident fund center. 2. Process 1. The loan applicant prepares all necessary materials. 2 in the provident fund loan acceptance outlets. 3. Time limit for review: 10 working days. 4. Sign the loan contract after the audit. 5. Pay off the original loan and go through the mortgage formalities (the disclosure time shall be subject to the announcement of the registration authority). 6. Go through the mortgage formalities at the registration authority (the time required shall be subject to the announcement of the registration authority). 7.

Why can't the second suite in Chongqing be transferred from business to public?

You can transfer to the public, but you need to have certain conditions.

Loan conditions for transferring commercial loans to provident fund: 1. Before the application, it is necessary to continuously deposit the provident fund for half a year without interruption, and the credit information is good; 2. The real estate license has been processed and agreed to mortgage it to the loan bank; 3. The principal lender cannot be changed; 4. It cannot be a consumer loan; 5. The lending bank agrees to prepay; First of all, we should pay off the commercial loan by self-financing and lift the original mortgage; 6. Meet the conditions of the first home loan.

Meet the above conditions, you can apply.

The introduction of loan conditions from commercial loans to provident fund in Chongqing ends here.