The provident fund loan is very simple. You can get it in 20 working days by going directly to the provident fund management office of CCB. Required information: house purchase contract, all invoices for down payment, original and photocopy of ID card, household registration book (printed for backup, both husband and wife need to buy a house), and personal seal (both husband and wife need to use block letters). It may be necessary for the unit to issue a certificate of income. Prepare a guarantee fee of about 3000-4000 yuan. Detailed account of my provident fund (printed by the provident fund office of CCB). There are no other details, just prepare the above information and go to the provident fund management office.

Two, Shenyang provident fund loan conditions and requirements

Compared with commercial loans, provident fund loans have a price advantage in repaying loan principal and interest. Therefore, employees in Shenyang will choose provident fund loans when buying a house. However, provident fund loans need to meet certain conditions, and not everyone can apply. Let's take a look at the loan conditions of Shenyang Provident Fund. 1. The borrower and the applicant have legal and valid identity documents; 2. The borrower and the applicant have full capacity for civil conduct; 3. The applicant or * * * and the applicant have the ability to repay the loan principal and interest; 4. The borrower and * * * the same applicant are the property owners who purchase self-occupied houses and have relevant supporting documents, and pay the down payment for the house purchase according to the specified proportion; 5. The borrower or * * * and the applicant jointly pay the housing provident fund in full and continuously according to the regulations; 6. The borrower and * * * the same applicant have no record of withdrawing provident fund in cash within 6 months (excluding entrusted loan repayment); 7. The borrower and the applicant agree to provide the loan guarantee method approved by the Center; 8. The borrower and the applicant have no outstanding debts, and their personal credit status meets the requirements; 9. The development enterprise of the real estate purchased by the borrower has signed a guarantee agreement with the center; 10. The borrower and the applicant meet other conditions stipulated by the state and the housing provident fund management committee. Tip: What are the loan conditions of Shenyang Provident Fund? The borrower and the * * * applicant have no record of withdrawing the provident fund in cash within 6 months (excluding entrusted repayment); Property owners who have full civil capacity to purchase self-occupied housing and have relevant supporting documents and pay the down payment according to the prescribed proportion may apply for Shenyang provident fund loans.

3. Can Shenyang Provident Fund pay the down payment?

can

The condition for Shenyang provident fund to make a down payment is that buyers of policy housing such as affordable housing and price-limited housing can withdraw the provident fund as a down payment as long as they are employees who pay the provident fund.

1. The annual interest rate of provident fund loans 1-5 is 4.59%, and it is 5.04% in 6-30 years. The maximum amount of provident fund loans was adjusted from July this year 1 from 400,000 to 600,000. The longest loan period is 30 years.

Second, the housing provident fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

4. How does Shenyang use provident fund loans to buy a house?

In the current six months, Shen has a maximum loan of 300,000 yuan. If it is not enough, you can choose a portfolio loan, and the minimum down payment for a new house is 20%.

★ Loan application conditions

1. On-the-job employees who work in Shenyang and pay housing provident fund in the center.

2. Before applying for a loan, the applicant or * * * and the applicant's unit work as employees for one month according to regulations.

3. The applicant and * * * have no bad credit records for 3 consecutive times or accumulated 6 times.

4. An example of buying a house.

5. The purchased property is not the third or above house of the applicant's family.

6 and the ability to repay loans.

7. The applicant agrees to provide the loan guarantee method approved by the Center.

8. The applicant and the applicant (including spouse) have no outstanding loans or other debts.

9. The development enterprise of the shopping industry of the applicant has signed a guarantee agreement with the center.