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Provident fund loan conditions:

1. Have legal and valid identity documents;

2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;

6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses;

7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;

8 overhaul housing, approved by the planning and management department;

9. Being able to provide effective guarantee recognized by the management center;

10. Other conditions stipulated by relevant laws, regulations and policies.

Provident fund loan process:

1. The borrower applies for a loan at the accepting bank;

2. Accept the outlets to inquire about the property status under the family name;

3. Accept the acceptance of outlets;

3. sign a contract;

4. examination and approval;

5. The real estate trading center shall handle the mortgage registration procedures;

6. Bank loans.

The information required to apply for housing provident fund loans is as follows:

1. Approval Form for Housing Provident Fund Loan Application in triplicate (to be filled in at the local housing provident fund management center);

2. The original and three copies of the household registration book, resident identity card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department;

3. Legal and valid original purchase contract. 3 copies of business license of housing development unit, pre-sale permit of commercial housing (auction house), sales permit of commercial housing, completion acceptance certificate and big house certificate;

4. Where mortgage or pledge guarantee is involved, the original and photocopy of the ownership certificate of the mortgage or pledge right shall be provided, and the original of the written certificate that the person with the disposition right agrees to mortgage (pledge) shall be provided;

5. Where the guarantee is involved, the guarantor shall issue 3 originals of written commitment to provide the guarantee and 3 copies of supporting materials (including business license, financial statements of the last three years, qualification certificate, credit certificate, etc.). The guarantor has the ability to guarantee;

6. Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment orders, etc.). The borrower has paid more than the specified proportion of the house purchase price.

I am in Changzhou, and I would like to ask if I can use provident fund loans for renovation. Can I buy a house with a provident fund loan in the future?

Just meet the conditions.

Provident fund loan conditions:

1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full;

2, continuous normal deposit of housing provident fund for more than twelve months;

3, in the administrative area of the purchase and construction of self-occupied housing, and has paid more than the prescribed down payment ratio of the purchase price;

4. Good personal credit, stable economic income and the ability to repay the loan principal and interest;

5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.

Provident fund loan processing flow:

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form 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 handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans 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.

Can young people also apply for Changzhou provident fund loans?

Is it urgent to use money to buy a house or decorate a house now? If so, have you ever thought about getting a loan, but the interest rate of getting a loan from a bank is relatively high and the procedures are too complicated? Are there any other effective solutions? Of course there is. If you are a user who pays the housing provident fund, you can make a provident fund loan, which not only shortens your repayment time, but also reduces the interest rate a lot. If you are tempted, you can immediately understand the relevant matters of the provident fund and ensure your purchase.

Because there may be some differences in the rules of provident fund loans in each province and city, you need to know the conditions, processes and precautions of local provident fund loans in detail. Here I would like to introduce the Changzhou provident fund loan first.

Changzhou provident fund loan application conditions

First of all, you need to be 18 years old and have certain civil capacity; Secondly, your housing provident fund should be paid for more than half a year; After that, you have to do relevant certificates, such as house certificate, construction certificate and so on; Moreover, you have a good credit and have never defaulted on money in the bank; If the last provident fund loan is not paid off, you need to pay off all the arrears before you can apply for a second loan.

Changzhou provident fund loan process

First, you should go to the relevant institutions for consultation before the loan, or go directly to Changzhou Provident Fund Management Center to find out whether you are qualified to apply for a loan and know what you need to prepare in advance, which can save a lot of time. After that, you apply for a loan According to the information you consulted before, you choose the amount and duration of the loan you need, and then you apply. After that, you need to make monthly repayment according to the applied project.

In recent years, Changzhou's provident fund loans have also been adjusted, such as the down payment, which has dropped to 20% of the total housing. With the increase of the loan amount, if you borrow together, you can only borrow up to 500,000, and now you can borrow up to 600,000 together, which is 6.5438+10,000 yuan higher. Shorten the years of paying the provident fund, only for the years of individual payment, not for the years of the company.

It can be seen that Changzhou's provident fund loan system is better than bank loans. If you really need to apply for provident fund loans, you can go to the relevant departments for consultation now. The interest rate of banks for more than five years has reached more than six points, while the use of provident fund loans is only more than four points, which shows that the use of provident fund loans is a good choice.

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Can Changzhou Provident Fund be used as a decoration loan?

You can apply.

Provident fund renovation loan process

Step 1: Apply

1. For the purchase of commercial housing and affordable housing, when signing the purchase contract with the selling unit, the selling unit shall receive the Approval Form for Housing Provident Fund Loan Application, fill in the form and prepare relevant materials to determine the loan amount; 2, construction, overhaul from the housing, with the approval documents of the land, planning and management departments, to apply for loans to the housing provident fund management center; 3. Buy private houses (second-hand houses) with complete property rights and apply to Changfang Replacement Guarantee Co., Ltd. ..

Step 2: Review

The unit or guarantee company will submit the borrower's information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review.

Step 3: Sign a loan contract.

After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures.

Step 4: Guarantee

1. Where the commercial housing and affordable housing built by the developer who signed the Housing Provident Fund Loan Cooperation Agreement with the Center are purchased, the developer shall undertake joint and several liability guarantee for the borrower by stages before the house is formally mortgaged; 2. If you buy a second-hand house with a property right certificate and a land certificate, you can go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities of other house ownership certificates at the property right registration and certification center; 3. If the second-hand house is purchased with a title certificate and no land certificate, the guarantee company shall bear the guarantee responsibility.

Step 5: Bank Lending: After the borrower completes all the above procedures, the Center will issue a decision on granting the loan to the entrusting bank and notify the bank to lend.

Step 6: Repayment

The borrower shall repay the bank every month according to the monthly repayment amount agreed in the loan contract.

Can Changzhou decorate with provident fund loan?

Of course. "Changzhou housing provident fund personal loan management measures":

Article 1 In order to standardize the personal loan behavior of housing provident fund, support employees to purchase, build, renovate,

Overhaul owner-occupied housing, safeguard the legitimate rights and interests of both borrowers and borrowers, according to the State Council's "Regulations on the Management of Housing Provident Fund"

"and other provisions, combined with the actual situation of this Municipality, these measures are formulated.

Article 2 The term "personal loan for housing provident fund" as mentioned in these Measures refers to the housing provident fund normally deposited in this Municipality.

Low-interest housing loans issued by employees in cash are used for the purchase, construction, renovation and overhaul of owner-occupied housing.

(hereinafter referred to as housing provident fund loans). The owner-occupied housing purchased by employees includes commercial housing and affordable housing.

Housing, second-hand houses, existing public houses, etc.

Third city housing provident fund management center is the city housing provident fund loans management institutions, responsible for

Accepting and approving applications for housing provident fund loans, and supervising the borrowing and settlement of housing provident fund loans. house

The risk of provident fund loans shall be borne by the municipal housing provident fund management center.

Fourth housing provident fund loan financial business by the city housing provident fund management center commissioned by the city housing company.

It shall be handled by the commercial bank designated by MPFA Management Committee (hereinafter referred to as the entrusted bank). Urban housing provident fund management

The management center shall sign a financial business entrustment contract with the entrusted bank.

Fifth housing provident fund loans to implement the first payment after the loan, the first payment after the loan, the whole loan zero return, loan guarantee.

The principle of.

Article 6 The housing provident fund loan applied by the borrower is insufficient to pay for the purchase, construction, renovation and overhaul.

When self-occupied housing expenses are needed, you can apply for housing loans from the entrusted bank with your own account.

Banks provide loans to borrowers in the form of portfolio loans.

Chapter II Loan Objects and Conditions

Article 7 An applicant applying for a housing provident fund loan shall meet the following conditions:

(1) Having a permanent residence in this Municipality or other valid residence status;

(two) according to the provisions of this Municipality on the administration of housing provident fund, individuals and units shall pay the housing provident fund in full and on time.

Provident fund for more than 6 months (including 6 months), housing provident fund remittance is normal when applying for loans;

(three) to provide valid proof materials such as my purchase, construction, renovation and overhaul of self-occupied housing;

(four) a stable income, good credit and the ability to repay the principal and interest of the loan on time;

(five) to provide a guarantee approved by the municipal housing provident fund management center;

(six) meet other conditions stipulated by the municipal housing provident fund management center.

What are the conditions for Changzhou housing provident fund loan?

Legal analysis: 1. When the borrower applies for a loan, the housing provident fund will be remitted normally. From the date of application, it is estimated that the cumulative continuous payment of housing provident fund by individuals is 6 months.

2. I can provide valid proof materials such as purchasing commercial housing, second-hand housing, affordable housing or building or overhauling self-occupied housing.

3 have a stable income, good credit, and the ability to repay the principal and interest of the loan on time.

4. Handle the guarantee according to the guarantee method approved by the Center.

5. The applicant has no or only one record of off-site loan of housing provident fund and has paid it off.

6. Meet other conditions stipulated by the Center.

Legal basis: 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.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Changzhou provident fund renovation loan is so much.