First, purchase the real estate housing that has signed the project reserve with the local provident fund management institution, pay the advance payment for the house purchase, and initialled the house purchase contract.
Two, issued a "housing information inquiry letter" to the local housing management department, and issued a "personal credit report" to the local people.
3. In the real estate sales center, provident fund management center, entrust a loan bank or directly go to the provident fund window of the local government affairs center to receive an application form for personal provident fund loans, and truthfully fill in the purchased housing information, personal information, loan application information (how much and how long the loan is, calculated according to family income and repayment ability) and guarantee information.
Paste the copy of ID card and marriage certificate, attach the income certificate of both husband and wife, affix the seal of the unit, and submit it to the real estate sales center to the provident fund management center or directly to the provident fund window of the government affairs center for preliminary examination.
4. After the preliminary examination, examination and approval of the provident fund management center (you don't have to worry about this, just be patient, etc.) is completed, the credit information transmitted will be transferred to the entrusted loan bank, and the bank will inform the manager of the real estate sales center and the couple of buyers to bring their ID cards to the bank to sign the Housing Provident Fund Entrusted Loan Contract and the Housing Mortgage Loan Contract, and open a loan repayment passbook.
Some cities also need to apply for notarization (cost several hundred yuan) and comprehensive insurance for housing loans (cost several hundred to several thousand yuan). Now many cities have abolished notarization and insurance.
5. After signing the housing provident fund entrusted loan contract and the housing mortgage loan contract, the contract will tell you the monthly payment amount and repayment date. Keep it in mind, so as not to delay repayment and cause bad personal credit record.
Go home and wait for the provident fund center to transfer the money to the entrusted loan bank. After a few working days, your provident fund loan will be transferred to the general settlement account of the real estate developer who buys a house through the bank, and the agent of the real estate sales center will inform you to open a receipt for buying a house. Your housing provident fund personal housing loan is completed.
6. The next thing you have to do is to collect money every month, prepare for monthly payment and repay it every month.
7. If it is the first time to buy a commercial house, after paying the advance payment for the house purchase, you can also apply to the provident fund window to withdraw the balance in the personal provident fund account to pay the down payment for the house purchase with the house purchase contract and my housing information inquiry letter before applying for a loan; If it is a second suite, you can't withdraw the balance in the personal provident fund account to pay the down payment for buying a house.
Eight, all housing provident fund loans in the repayment period, you can apply for withdrawal of personal provident fund account balance (including spouse, but not more than the total annual repayment).
Extended data:
I. Loan conditions
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Second, the loan amount
Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants.
Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price;
When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.
Third, the calculation of interest.
(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):
1. daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.
2. Monthly interest rate (‰) = annual interest rate (%)÷ 12
(two) banks can use the product interest method and the transaction interest method to calculate interest.
1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:
Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.
2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:
If the interest-bearing period is a whole year (month), the interest-bearing formula is:
① Interest = principal × year (month )× year (month) interest rate
If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:
② Interest = principal × annual (monthly) × annual (monthly) interest rate+principal × odd days × daily interest rate.
At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:
③ Interest = principal × actual days × daily interest rate
These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.
(3) Compound interest: Compound interest means adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.
(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest.
(V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.
(six) the formulation and filing of interest calculation methods
The interest-bearing settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record, and the customers shall be informed; Regional commercial banks and urban credit cooperatives should be reported to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and inform customers;
County rural credit cooperatives as legal persons may, according to the actual situation of the county rural credit cooperatives, formulate the rules for interest calculation and settlement and the interest-bearing measures for deposit and loan business, and report them to the branch of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons shall notify the customers.
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