Handan housing provident fund loan guide
At present, before applying for provident fund loans, borrowers should continuously deposit housing provident fund 12 months in Handan.
After the reform: before applying for the provident fund loan, the borrower has paid the housing provident fund for more than 6 months (inclusive).
Mutual recognition in different places: employees can apply for individual housing loans from the housing provident fund management center where they are registered with their domicile on the basis of the deposit certificate issued by the housing provident fund management center in their place of employment.
The content of the new policy has not been formally implemented in Handan, and it is still implemented according to the original system. Details are as follows:
1. When applying for a loan, the housing provident fund accounts of the applicant's unit and himself have been opened and paid in full monthly 12 months or more, and their personal and unit housing provident fund accounts are in a normal state.
2. The applicant has stable professional and economic income, good personal credit and the ability to repay the principal and interest of the loan on time.
3. The applicant must be the buyer himself. A legal and effective house sales contract or agreement has been signed, and the down payment has been paid according to the specified proportion. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20%; More than 90 square meters, the down payment ratio is not less than 30%; If it is recognized as the second suite by the management center, the down payment ratio shall not be less than 50%.
4. The development enterprise of the commercial house purchased by the borrower and the management center signed the Cooperation Agreement on Personal Housing Provident Fund Loan.
5. The applicant and his wife have no outstanding provident fund loans.
6. The applicant agrees that the guarantee company will provide full guarantee for its provident fund loan.
7. If the applicant has no spouse or his spouse has no stable occupation, a third party with a stable occupation will provide a guarantee for him, and the guarantor will be jointly and severally liable for repaying the loan.
8. The applicant shall meet other loan conditions required by the management center.
1. All provinces, autonomous regions and municipalities directly under the Central Government should realize mutual recognition and transfer of housing provident fund deposits in different places and promote the loan business in different places.
2. If the housing provident fund is deposited in different places and the deposit is less than 6 months, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place.
3. In cities where the personal housing loan issuance rate of housing provident fund is less than 85%, the first set of self-occupied housing loan quota will be appropriately increased according to the local commodity housing price and per capita housing area, and the support for paid employees to purchase houses will be increased.
4. Housing provident fund Personal housing loan guarantee is mainly based on the purchased housing mortgage. Cancel housing provident fund, personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee fees.
Handan housing provident fund loan guide in different places
Interpretation of housing provident fund loan policy in different places
Loan materials
1. Fill in the complete Approval Form for Personal Housing Provident Fund Loan in Handan City in triplicate.
2, the applicant and spouse ID card, household registration book; If the spouse of the borrower is an officer (including a non-commissioned officer), a valid certificate issued by the army shall be issued.
3. Marriage certificate or proof of marital status issued by the civil affairs department.
Measures of Handan Municipality on Guarantee of Provident Fund Loans
4. Purchase contract.
5. First copy of payment invoice voucher (second copy).
6. If a third party provides a loan repayment guarantee for the borrower, it shall provide a third-party ID card and household registration book.
7. The salary income of the applicant and his spouse in the past three months.
8. Housing advance notice registration certificate.
9. If the applicant works outside the three districts and one county in the main city, the provident fund management department at the place where the provident fund is deposited shall issue a certificate of deposit of the provident fund.
Note: All the above materials require originals, 5 copies for items 2-6 and 2 copies for item 8. Copies are made of A4 paper.
Loan process
1 The borrower shall submit a written application to the municipal housing provident fund management center when applying for provident fund loans.
2, housing provident fund loans to implement the grading examination and approval system. Namely, preliminary examination, review and approval.
3. According to the application materials provided by the borrower, the municipal housing provident fund management center conducts a pre-loan investigation on the borrower, makes a decision on whether to approve the loan within 15 working days, and informs the applicant.
4, approved by the city housing provident fund management center loans, borrowers and loan banks signed a loan contract and related contracts or agreements.
5. If the house is mortgaged, the borrower shall go through the mortgage registration formalities at the real estate management department; Where securities are pledged, the borrower shall hand over the securities to the lending bank for safekeeping.
6. If it is guaranteed by a house property right guarantee company, the company shall handle the relevant procedures of guarantee and counter-guarantee.
7. After the loan procedures are completed, with the approval of the Municipal Housing Provident Fund Management Center, the loan bank will transfer the loan funds into the account of the selling unit within 2 working days.
Provisions on loan fees under the new policy (not implemented)
At present, the expenses related to provident fund loans are mainly concentrated in evaluation fees and guarantee service fees. It is understood that these intermediate costs generally account for 3‰~ 4‰ of the total provident fund loans, and the highest can reach 8‰.
After the reform, many expenses such as loan insurance, notarization and evaluation in the process of applying for provident fund loans were cancelled.
Loan amount and interest rate
New Deal loan amount change (not implemented)
At present: if the applicant and his wife pay the housing provident fund according to the regulations, the maximum loan amount is 400,000 yuan; If the applicant unilaterally pays the housing provident fund according to the regulations, the maximum loan amount is 300,000 yuan.
After the reform: Handan City has not adjusted the amount of provident fund loans yet, and will update it as soon as possible if there is any change.
Handan provident fund loan interest rate and loan term
Loan amount:
The minimum amount of provident fund loans is calculated according to the following conditions (in thousands of yuan):
1. If both husband and wife of the applicant pay the housing provident fund as required, the maximum loan amount is 400,000 yuan; If the applicant unilaterally pays the housing provident fund according to the regulations, the maximum loan amount is 300,000 yuan.
2. If the construction area of the purchased commercial house is less than 90 square meters (inclusive), the loan amount shall not exceed 80% of the total house price; If it is more than 90 square meters, the loan amount shall not exceed 70% of the total house price.
3. If the second suite is recognized by the management center, the loan amount shall not exceed 50% of the total house price.
4. Repay the principal and interest of the loan every month and do not exceed 50% of the family's monthly income.
5. The loan amount shall not exceed the total house price minus the paid house price.
Loan repayment
1, normal repayment. The borrower shall deposit in the repayment account no less than the monthly repayment amount before the 20th of each month from the month following the loan issuance, which shall be uniformly deducted by the undertaking bank.
2. Repay in advance. When the borrower repays the loan principal in advance, it needs to submit a written application to the entrusting bank in advance, and with the consent of the provident fund management center, it can repay part or all of the principal and interest in advance. The prepayment time is before 15 (inclusive) every month.
3. For the last repayment, the borrower must go to the counter of the loan undertaking bank to repay the loan before completing the loan settlement procedures.
Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.