1. Both husband and wife have paid the housing provident fund to Wuxi Provident Fund Center on time, in full and continuously six months before applying for the loan, and have not owed the housing provident fund two years before applying for the loan;
2. The purchased house is a self-occupied ordinary house;
3. The owner of the purchased owner-occupied house or the owner of * * (the purchase contract is signed and sealed by the buyer);
4, a stable source of economic income and the ability to repay the principal and interest on time;
5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge;
6. Both husband and wife of the loan applicant shall not have outstanding provident fund loans.
7. The borrower's family used the housing provident fund loan for the first time to purchase owner-occupied housing.
If the deposit balance of the provident fund is sufficient, the loan amount: 10 times of the deposit balance of the provident fund (based on the data of 12 the night before applying for the provident fund loan). If the borrower's spouse meets the conditions of provident fund loan, the balance of housing provident fund deposit shall be calculated together; If the spouse is a serviceman (the serviceman certificate issued by the political department of the army, the military affairs department or the organization and personnel department), the loan amount is 20 times of the balance of the borrower's housing provident fund deposit; You can apply for a loan of 800,000 yuan according to the loan policy.
If the balance of the provident fund deposit is insufficient, the borrower's family will use the housing provident fund loan for the first time, and the purchased self-occupied housing will be the first housing (subject to the Housing Ownership Registration Information issued by the center after the unified file search), and the construction area of Xing Tao is below 90 square meters (inclusive). If the deposit balance is insufficient, the maximum loan amount can reach 500,000 yuan per borrower; The maximum amount of the borrower and spouse is 800,000 yuan.
Note: The housing allowance for new employees of Wuxi Provident Fund can be combined with the balance paid in the provident fund account.
1. What information does Wuxi provident fund loan need?
Both the husband and wife of the loan applicant and the owner of the house purchased must go through the relevant formalities of provident fund loan on the spot and provide the following information (original) according to the purchase situation.
1. Buy local commercial housing and affordable housing:
(1) ID card and household registration book of the loan applicant, husband and wife and the owner of the house purchased (the loan applicant or the owner of the house purchased is single, only personal materials are required);
(2) Marriage certificates of both the husband and wife of the loan applicant and the owner of the house purchased (if single due to divorce or widowhood, valid certificates of divorce or widowhood shall be submitted respectively);
(3) the purchase contract filed by the real estate registration center;
(4) Purchase invoices.
2. Buy local stock houses (second-hand houses):
(1) ID card and household registration book of the loan applicant, husband and wife and the owner of the house purchased (the loan applicant or the owner of the house purchased is single, only personal materials are required);
(2) Marriage certificates of both the husband and wife of the loan applicant and the owner of the house purchased (if single due to divorce or widowhood, valid certificates of divorce or widowhood shall be submitted respectively);
(3) The sales contract of stock houses filed by the real estate registration center;
(4) The seller's real estate license, house ownership certificate, state-owned land use certificate or house ownership certificate;
(5) proof of paid house payment;
(6) Property mortgage assessment report issued by an assessment agency recognized by the guarantee company.
Second, matters needing attention
1. If the purchase area is less than 90 square meters (inclusive) and the purchased house is the first suite, it is required to submit the Property Ownership Registration Information issued by the center after unified file search (Jiangyin Sub-center and Yixing Sub-center are issued by the local housing management department);
2. If the spouse of the loan applicant is an active serviceman, the military political department, military affairs department or organization and personnel department shall issue the certificate of active serviceman;
3.2065438+From April 22, 2005, if the loan conditions are met, the benchmark interest rate will be implemented for the second provident fund loan, and the second loan application can only be processed the next month after the first loan is paid off;
4. If the employee's family has applied for provident fund loans twice or more, the center will no longer issue provident fund loans;
5. Other materials required by the center shall be provided in case of other circumstances of the employee's family.
Wuxi provident fund loan process
Wuxi housing provident fund loan conditions
(1) A natural person with full capacity for civil conduct;
(2) Having a permanent residence or valid residence status in Wuxi;
(3) Having a stable occupation and income, good credit and the ability to repay the loan principal and interest on schedule;
(4) The applicant and his unit have established a normal housing provident fund deposit relationship with the provident fund center, and have continuously paid the housing provident fund in full for more than 12 months. When applying for a loan, they are in a normal deposit state, and the balance of the provident fund account is not less than the deposit amount of 12 months;
(5) The applicant purchases, builds, rebuilds or overhauls ordinary self-occupied housing (including commercial housing, affordable housing, self-built housing and second-hand housing) within the administrative area of Wuxi, and the applicant is the buyer agreed in the housing contract or the property owner registered with the housing ownership certificate;
(six) to apply for existing and second-hand housing loans, the housing ownership certificate and deed tax bill shall not exceed one year from the date of issuance, and the commercial housing purchase contract shall not exceed two years from the date of signing;
(seven) the purchase of self-occupied housing has been paid not less than the proportion of self-raised funds stipulated in relevant state documents as the down payment for the purchase;
Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; Xing Tao construction area of more than 90 square meters, the loan down payment ratio shall not be less than 30%; For the purchase of a second house, the down payment ratio shall not be less than 50%; Stop issuing housing provident fund loans from the purchase of the third set;
(eight) to provide the guarantee method recognized by the provident fund center;
(nine) the applicant, spouse and guarantor authorize the provident fund center to inquire about the personal credit status in the basic database of personal credit information of the People's Bank of China;
(ten) other conditions required by the provident fund center.
Amount, Term and Interest Rate of Wuxi Provident Fund Loan
Article 16 the loan amount. Provident fund loans are policy loans, which are calculated and determined according to the loan amount applied by the borrower and the following limit standards. If the applied loan amount does not exceed the following limits, the applied loan amount shall be the loan amount; If the application amount exceeds the following limits, the loan amount shall be the amount calculated by meeting the following limit conditions:
1, the maximum amount approved by the Municipal Housing Provident Fund Management Committee. The maximum loan amount is 300,000 yuan if both husband and wife of the loan applicant pay the provident fund, and 200,000 yuan if they pay the provident fund unilaterally;
2. Calculate the loanable amount according to the monthly deposit of the housing provident fund of the borrower and spouse during the loan period and the storage balance of the housing provident fund account at the time of loan: the loan amount of the provident fund = (monthly deposit of the housing provident fund of the borrower and spouse ×1February× loanable period × 1.5 storage balance of the housing provident fund account of the borrower and spouse ×15)/2;
3. The total loan amount shall not exceed 70% of the total price of the purchased house or the assessed value of the mortgaged property or 90% of the pledged property;
4. The monthly repayment amount of the loan shall not exceed 50% of the monthly salary of both husband and wife;
5. For corporate business, it shall not exceed the loan balance of commercial housing;
6. The amount borrowed from others shall not exceed the balance of creditor's rights specified in the loan agreement and notarized iou provided by the creditor.
Article 17 Term of loan. Meet the following conditions:
1, which shall not exceed the 25-year period approved by the Municipal Housing Provident Fund Management Committee at the longest;
2. The loan term plus the borrower's age shall not exceed the statutory retirement age stipulated by the state in principle. Considering the repayment ability of the loan applicant and the loan guarantee method comprehensively, the loan term can be appropriately extended for five years on the basis of the statutory retirement age. The guarantor's guarantee period shall be implemented with reference to the borrower's loan period, and the cancellation time of the individual housing provident fund account of the borrower and the guarantor shall be postponed together; If the guarantee period exceeds the loanable period, the loanable period shall prevail; If the guarantee period is less than the loanable period, the guarantee period shall prevail;
3. Guaranteed by a third party with sufficient compensatory capacity, with the longest loan period not exceeding 65,438+00 years, and the third party guarantee period not exceeding the statutory retirement age stipulated by the state;
4. If the house property is mortgaged, the loan period shall not exceed the remaining years of land use;
5. The longest loan term guaranteed by a professional guarantee company shall not exceed 10 years.
Article 18 loan interest rate. The national preferential interest rate for provident fund loans shall be implemented according to the regulations of the People's Bank of China, and the interest rate for the second set of housing provident fund loans shall not be lower than 1. 1 times the interest rate for the first set of housing provident fund loans in the same period. For loans that have been issued for more than one year, the legal interest rate will be adjusted in that year, and the interest rate of the corresponding grade will be adjusted in June of the following year at 5438+ 10/kloc-0. If the Borrower fails to repay the principal and interest of the current loan within the time limit stipulated in this Contract, the penalty interest shall be charged according to the relevant regulations of the People's Bank of China.
The above is the amount, term and interest rate of Wuxi housing provident fund loan. I hope it will help you understand the basic situation of Wuxi provident fund loans.
Basic process of Wuxi provident fund loan
According to the management measures of Wuxi provident fund loan, the basic process of Wuxi provident fund loan is mainly the following aspects:
1, loan application.
Applicants who meet the loan conditions apply for loans to the provident fund center, receive and fill out the "Approval Form for Individual Housing Provident Fund Loan Application", and provide loan application materials.
2. Loan approval.
The provident fund management department conducts pre-loan review on the qualifications and credit standing of the loan applicant, the authenticity and legality of the house purchase, and the security of the loan. , invite loan applicants and their spouses to interview, confirm that they meet the loan conditions, sign the Interview Sheet for Personal Housing Provident Fund Loan, the Letter of Authorization for Personal Credit Information Inquiry of Housing Provident Fund Loan, and the Letter of Authorization for Entrusted Payment of Personal Housing Provident Fund Loan, issue an acceptance form and report it to the Provident Fund Center for approval. The provident fund center shall make a decision on whether to approve the loan within 15 working days from the date of acceptance, and notify the applicant. If the loan is granted, the provident fund deposit accounts of the borrower, spouse and guarantor shall be frozen, and a notice of entrusted loan shall be issued.
3. Contract signing.
The entrusted bank organizes loan applicants, spouses, mortgagees and guarantors to sign loan (guarantee, mortgage) contracts and entrusted deduction agreements. The loan applicant and other persons involved in the case shall sign the Wuxi Individual Housing Provident Fund Loan Contract in person at the entrusted bank with the resident ID card in time, and handle the guarantee and other related procedures. After receiving the notice, the loan applicant fails to go through the loan formalities for more than 30 days, which is regarded as giving up the loan automatically.
4. Mortgage guarantee.
The entrusted bank shall designate a special person to assist the mortgagor to go through the formalities of real estate mortgage registration with the real estate administrative department. After completion, the house ownership certificate shall be properly kept by the entrusted bank, and then the loan shall be issued.
5. Pledge guarantee.
The entrusted bank shall designate a special person to assist the pledgee to handle the pledge formalities at the deposit bank or the subscription bank. After the pledge right is confirmed, the pledged property and the pledge right confirmation letter shall be properly kept by the entrusted bank, and then the loan shall be issued.
6. Guarantee company guarantees.
The guarantee company shall issue a guarantee certificate and go through the registration formalities in the entrusted bank.
7. Transfer of funds.
The transfer of loan funds should be entrusted to pay, and should be agreed in the loan contract. According to the loan contract, the lender will transfer the loan to the account opened by the selling unit (or the undertaking unit of construction, renovation and overhaul) or the payee through the entrusted bank. If you buy a second-hand house, you should provide the original house sales contract and deed tax bill, and then transfer them to the account opened by the seller in the bank through the entrusted bank.
2. What are the loan conditions of Wuxi housing provident fund? How to deal with it?
Buying a house with provident fund is a means used by many people today. Then, what conditions do citizens who pay the provident fund need to have before they can apply for provident fund loans? Today, Bian Xiao has compiled the conditions for handling provident fund loans for your reference. 1. The borrower must open an individual housing provident fund account for 365 days, counting forward from the date of applying for an individual housing provident fund loan (hereinafter referred to as the loan), and pay the housing provident fund in full and continuously on time 1 year or more. 2. Bad loan records or bad credit records. 3. Not the third suite. After obtaining the qualification, how to handle it? 1. Acceptance: the borrower fills in the loan application form and authorizes the inquiry of the credit information system. After checking that there are no bad loans and bad credit records, the center shall submit the borrower's and mortgagor's household registration book, original ID card and proof of marital status (if the mortgagor is married, a marriage certificate is required; If the household registration book indicates that you are actually married and single, you need to provide a divorce certificate and a single statement; If the mortgagor is single, he/she shall provide a single statement; if the real estate transaction registration management department in the area where the house is located has special requirements, he/she shall provide relevant materials according to the requirements of the real estate transaction registration management department), and the original and photocopy of the commercial housing sales contract registered by the real estate transaction registration management department shall be returned after examination, and the photocopy shall be retained. The materials required for mortgage registration are provided according to the requirements of the real estate transaction registration management department (keep the original if necessary). 2. Approval: The Center will determine the loan amount after reviewing the loan application materials submitted by the borrower. The Center will sign a loan contract with the borrower after the borrower pays mortgage insurance premium or guarantee fee, agency fee (such as entrusting the institution selected by the Center through bidding to handle mortgage registration, the same below), mortgage pre-registration fee, mortgage registration fee, household registration fee, deed tax, house ownership certificate cost and stamp duty. 3. Mortgage registration: The agency shall go through the pre-mortgage registration formalities at the real estate transaction registration management department with the relevant written documents of mortgage registration, and return the collateral to the material circulation center. 4. Lending: After receiving the mortgage registration materials, the Center entrusts the bank to transfer the loan funds into the bank account designated by the real estate development enterprise.
3. Can Wuxi Provident Fund buy a house loan in different places?
Legal analysis: Wuxi housing provident fund is an application condition that loans are not allowed from different provident fund centers: 1. The loan applicant must meet the following conditions for the deposit of housing provident fund: timely, fully and continuously deposit the housing provident fund into our center six months before the month of loan application, and have not owed the housing provident fund for the first two years since the month of loan application; 2. The housing purchased by the loan applicant is self-occupied ordinary housing; 3. The loan applicant is the owner of the purchased owner-occupied house or the owner of the house (the purchase contract is signed and sealed by the buyer) and has the ability to repay the principal and interest on time; 5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge; 6. The husband of the loan applicant.
Legal basis: Regulations on the Management of Housing Provident Fund
The sixteenth amount is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of employees; Conditional cities, the specific deposit ratio shall be formulated by the Housing Provident Fund Management Committee, which shall be audited by the people's government at the same level and approved by the provincial people's government.
4. What are the conditions for Wuxi provident fund loan to buy a house?
Legal subjectivity: provident fund loan conditions: 1, with permanent residence or valid residence status in the city where the provident fund loan is applied; 2. Have a relatively stable income, good credit and the ability to repay the principal and interest of the loan; 3. The borrower and * * * the same borrower have continuously paid the housing provident fund in full for more than 6 months (including 6 months) when applying for the provident fund loan, and the housing provident fund in their account has not been used this time; 4, provident fund loans in the city to apply for provident fund loans to buy self-occupied housing, there must be a legal purchase contract or agreement; 5. There is a certain proportion of down payment for house purchase that meets the requirements; 6. Provide guarantees that meet the legal requirements. If the payment of housing provident fund is interrupted halfway, resulting in the failure to pay the housing provident fund in full for six consecutive months, even if it is completed, you cannot apply for a provident fund loan. The solution now is to continue to pay the housing provident fund in full and then apply for it for six months in a row.
Objectivity of law: Article 5 of the Regulations on the Management of Housing Provident Fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.