1, loan object
Employees with full capacity for civil conduct who have normally paid the housing provident fund in other housing provident funds in the provincial center or the administrative area of Hunan Province (excluding Changsha Center).
2. Conditions for applying for a loan
(1) The housing accumulation fund shall meet the following conditions: ① The housing accumulation fund has been paid regularly 12 months or more; (2) The housing provident fund account is in a normal state and has been paid 2 months before applying for a loan (overdue is not counted); (3) After the housing provident fund loan is settled, it needs to be deposited normally for more than 6 months before applying for the next housing provident fund loan; (4) If the borrower and spouse have normal or sealed accounts of housing provident fund in multiple centers, they should merge or cancel their accounts before applying for loans.
(2) The property applying for loan shall meet the following requirements: ① Within the administrative area of Changsha; ② The housing for which the borrower applies for a loan is the first or second family housing (excluding the cancelled property). And this set of housing that applied for bank housing loan to provident fund loan did not apply for house purchase extraction (including the house purchase extraction of the borrower and spouse in the provincial center or other provident fund centers); ③ If the property for which the loan is applied is a second house, the area of the first suite of the borrower's family should be less than 144 square meters; (4) The real estate mortgaged by the bank housing loan to the provident fund loan should have clear property rights, complete value, no debt disputes and division of creditor's rights. , and the right of residence has not been set.
(3) The borrower's original mortgage loan repayment is in good condition, and the original loan bank has no objection to full repayment in advance.
(4) The borrower and spouse have no outstanding housing provident fund loans or the agreed withdrawal of housing provident fund has not been terminated.
(5) The borrower and spouse have good personal credit records.
(6) The borrower and spouse have stable economic income and the ability to repay the loan principal and interest.
(7) The number of housing provident fund loans for borrowers and spouses (including the number of housing provident fund loans for provincial centers and other centers) cannot exceed 2 times. Among them, if the marriage relationship has applied for housing provident fund loans, both husband and wife shall count the number of loans separately.
Two, commercial loans to provident fund loans need materials are:
1 Original and photocopy of the borrower's ID card and household registration book (if married, spouse's ID card, household registration book and marriage certificate are also required).
2. Loan contract signed when handling the original commercial loan, proof of down payment for house purchase, and house purchase contract.
3. The original and photocopy of the real estate license and state-owned land use certificate of the house purchased by the original commercial loan.
4, housing provident fund deposit certificate.
5. A notarized certificate issued by someone agreeing to mortgage.
6. The repayment record of the original commercial loan issued by the original commercial loan bank and the proof of the original commercial loan balance and remaining term as of the application date of transferring the provident fund loan.
7. A copy of the mortgage certificate of the house purchased by the original commercial loan provided by the original commercial loan bank and stamped with the official seal of the bank.
8. A bank account used to repay commercial loans.
9. If the borrower raises funds to settle the original commercial loan before applying for the provident fund loan, it is also required to provide the settlement certificate of the original commercial loan.
3. What is the loan amount?
1, loanable amount of housing provident fund loan
(1) The maximum loan amount of housing provident fund loans shall not exceed 600,000 yuan.
(2) The formula for calculating the maximum loan amount of the borrower is:
Loan amount = (balance of borrower's provident fund account+balance of spouse's provident fund account) ×N multiple.
Note: n multiple is determined according to the personal loan interest rate of housing provident fund in the provincial center in the previous year.
If the spouse's provident fund account is normally deposited for more than 6 months, the loan amount can be calculated together. If the spouse's provident fund account is sealed or deactivated in the past 6 months, the balance of the account is not included in the loan amount calculation, and the deposit base is not included in the family's monthly income.
According to the calculation, if the maximum loan amount of the borrower is less than 200,000 yuan, the maximum loan amount shall be approved by 200,000 yuan.
2. Credit lines of commercial banks
The maximum loan amount of a commercial bank shall be determined by the bank for examination and approval.
3, the highest loan ratio of portfolio loans (provident fund and commercial banks):
Commercial-to-public portfolio loans shall not exceed 70% of the total transaction price of the house (the total purchase price of a fully decorated first-hand house refers to the sum of the rough price and the refined decoration price), 70% of the appraised price of the mortgaged house and the remaining principal of the original bank loan.
Legal basis: Article 7 of the Measures for the Administration of Individual Housing Loans of Changsha Housing Provident Fund stipulates that employees (except flexible employees) who have paid in other provident fund centers that cooperate with Changsha Provident Fund Center for off-site loans are supported to apply for off-site loans from Changsha Provident Fund Center, and the cities in the middle reaches of the Yangtze River and cities in Hunan Province are notified of off-site loans.
Eleventh family housing demolition in principle to Changsha city housing registration information query results, cancellation of housing and homestead, collective land housing. The housing displayed by the personal credit information system of the People's Bank of China and the housing recorded by the provident fund information system of our city should be included in the number of family housing units in addition to the relevant information provided by employees to prove that the housing has been cancelled.
Article 35 of the Law of People's Republic of China (PRC) Commercial Bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 When a commercial bank lends money, the borrower shall provide guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.