First, Zhengzhou housing provident fund loan prepayment process guide
(1) Handler:
1. Before repaying the loan in advance, to inquire about the remaining loan amount, call the hotline of the provident fund management center and enter part of the prepayment amount according to the voice prompt. Then, the user brings his ID card to the local provident fund management center to apply for the prepayment amount.
2. The user chooses to fill in the application form according to the repayment amount. For all repayments, fill in the Application Form for Advance Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, and for partial repayments, fill in the Application Form for Advance Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, and then the staff will sign and seal it and provide relevant materials.
3. Next, the applicant's application will be transferred to the corresponding entrusting bank for approval.
4. After the approval of the bank, it is followed by the approval of the housing provident fund management center.
After receiving the notice of successful approval, the applicant can go to the bank to repay the repayment amount and interest.
6. After the prepayment is successful, the user needs to submit the prepayment form to the local housing provident fund management center for the record.
(2) Application conditions:
1. The loan has been successfully extended for more than half a year;
2. The applicant is not overdue in the current state;
3. The applicant shall sign the "Application Form for Early Repayment" for confirmation, and the acceptance outlets shall add comments and seal;
4. If the applicant fails to repay in advance due to insufficient balance in the repayment account, it needs to apply again.
(3) Application time: Apply within the fixed repayment date and two days before and after (five-day period).
Second, what is the standard for employees to buy personal housing provident fund loans?
The loanable amount of individual housing provident fund loans for employees to purchase ordinary self-occupied housing shall meet the following quota standards at the same time:
1, which is not higher than the loan amount calculated according to the individual housing provident fund deposit.
The calculation formula is: account balance ×8+ monthly deposit × months from retirement age.
2, not higher than the maximum amount of personal housing provident fund loans.
1 person applies for individual housing provident fund loan with a maximum amount of 600,000 yuan.
Two or more people buy the same set of self-occupied housing and apply for individual housing provident fund loans. The loan amount is the sum of each applicant's loan amount, with a maximum of 6,543,800 yuan.
3. When an employee applies for a loan, the monthly repayment amount of the loan shall not exceed 50% of the family income. Monthly repayment amount is only calculated as the monthly repayment amount of provident fund loans. (The income is based on the deposit base or the salary registered in our center's collection system, and no proof of income is required. )
4. Not higher than the loan amount determined by referring to the differentiated housing credit policy.
(1) If the family has no house and no housing loan (including commercial housing loan and provident fund loan, the same below) in this city, the minimum down payment ratio for purchasing ordinary commodity housing will continue to be implemented when applying for provident fund loan, and the loan interest rate is the benchmark interest rate of provident fund loan.
(2) If there is no house in this city under the family name, but there is a record of settled housing loans, the down payment ratio for purchasing ordinary commodity housing when applying for provident fund loans shall be no less than 40%, and the loan interest rate shall be the benchmark interest rate for provident fund loans.
(3) If the family owns 1 apartment in this city and has no housing loan record, or owns 1 apartment and the loan has been paid off, the down payment ratio for purchasing ordinary commercial housing when applying for provident fund loan shall be no less than 50%, and the loan interest rate shall be 1 and 1 times the benchmark interest rate of provident fund loan.
(4) If the family has 1 outstanding housing loans, the down payment ratio of house purchase shall not be less than 70% when applying for provident fund loans, and the loan interest rate shall be 1 and 1 times the benchmark interest rate of provident fund loans.
(five) families apply for provident fund loans to buy non-ordinary housing, and the down payment ratio of housing purchase is not less than 70%. If the family has no housing in this city and there is no outstanding housing loan record, the loan interest rate is the benchmark interest rate for provident fund loans. If the family has an outstanding record of 1 house or 1 housing loan in this city, the loan interest rate is 1 and 1 of the benchmark interest rate of provident fund loan.
(6) The above-mentioned ordinary commercial housing refers to the commercial housing with a construction area of less than 144 square meters (inclusive), and the non-ordinary commercial housing refers to the commercial housing with a construction area of more than 144 square meters. Low-density commercial housing loans are not allowed.
(seven) for the purchase of third and above housing families, continue to suspend the issuance of provident fund loans.