Shenzhen provident fund loan requirements:
1. The applicant and the applicant who calculated the loanable amount have continuously paid the provident fund in full and on time in this city or other places in the first six months of the month of application, and they are in a normal state of payment at the time of application;
2. There is no provident fund loan in this city or the provident fund loan has been paid off; Good credit status;
3. The down payment for house purchase has been paid as required;
4. Provide guarantee.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
Housing provident fund loan conditions:
Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
One of the husband and wife has applied for a housing provident fund loan, and neither of them can obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
What are the procedures for Shenzhen to apply for provident fund loans?
Shenzhen provident fund loan application process
1. The borrower consults at the housing provident fund center and gets the application form: the buyer and seller of the house and their spouses (unmarried or divorced, certificates should be issued) go to the city housing provident fund center for pre-registration, and get the application form for provident fund loan in the name of the seller with the original real estate license, state-owned land use certificate, household registration book, ID card and marriage certificate.
2. The borrower submits the loan information to the municipal capital center.
3. Acceptance and approval by the Housing Provident Fund Center: The Municipal Housing Provident Fund Center accepts the information of loan applicants, and approves and determines the loan amount and term.
4. Transaction transfer: both buyers and sellers of houses go to the real estate bureau and the land bureau to handle the transfer procedures of "two certificates" transaction.
5. Signing a contract: The borrower takes the transferred "two certificates" and deed tax payment invoice (original and photocopy) to the Municipal Housing Provident Fund Center, and the Municipal Housing Provident Fund Center issues a loan commitment letter to the designated bank to sign loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.
6. Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and obtain the real estate license.
7. Lending: After all the loan procedures are completed, the municipal housing provident fund center will directly transfer the loan funds to the deposit account opened by the seller through the bank.
I hope I can help you.
Conditions and requirements of Shenzhen provident fund loan
Conditions and requirements of Shenzhen provident fund loan
Conditions and requirements of Shenzhen provident fund loans, the proportion of provident fund paid by Shenzhen units for employees and individual employees shall not be less than 5% of the deposit base and shall not be higher than 12% of the deposit base. Conditions and requirements of Shenzhen provident fund loan.
Conditions and Requirements of Shenzhen Provident Fund Loan 1
Basic conditions for applying for housing provident fund loans:
Employees applying for housing provident fund loans shall meet the following conditions:
(1) The housing provident fund shall be paid in full and on time before the month when the loan is applied for, reaching the specified period;
(2) The down payment for house purchase (construction) shall not be lower than the specified proportion;
(3) Provide loan guarantee as required;
(4) It has stable economic income and loan repayment ability, and its personal credit status is good;
(five) employees and their spouses have not applied for housing provident fund loans or have paid off all housing provident fund loans;
(six) other conditions recognized by the provident fund management committee.
Under what circumstances can I apply for a housing provident fund loan?
Workers who have paid the housing provident fund can apply for housing provident fund loans if they purchase, build, renovate or overhaul the owner-occupied housing with ownership and meet the relevant requirements.
Housing provident fund loans should focus on supporting employees to purchase affordable housing, affordable commercial housing and the first set of ordinary commercial housing. Housing provident fund loans must be paid in full and on time in accordance with the Regulations on the Administration of Housing Provident Fund and the Interim Measures for the Administration of Housing Provident Fund in Shenzhen, and meet other loan application conditions.
Conditions and requirements of Shenzhen provident fund loan II
1. Isn't it necessary to pay the housing provident fund when the salary is low?
A: The deposit of housing provident fund is compulsory. If employees receive wages according to the local minimum wage standard, the unit shall pay the housing provident fund for employees according to the regulations, and the housing provident fund paid by individual employees may be exempted.
Editor's analysis: If the employee's salary is the lowest standard of the year (20 1 1 year is 1320 yuan), the employee can be exempted from paying the individual part of the provident fund, but the company still needs to pay a part according to the regulations.
2. Can I pay the housing accumulation fund at the nearest bank outlet?
A: The specialized staff of the unit can choose a bank outlet with a provident fund counter nearby to handle the provident fund business for deposit.
Editor's Analysis At present, the first batch of pilot banks for provident fund collection include: China Bank, China Construction Bank and China Merchants Bank, totaling 45.
45 banks: China Bank's first trial operation outlets of housing provident fund, China Merchants Bank's trial operation outlets of housing provident fund and China Construction Bank's trial operation outlets of housing provident fund.
3. How to determine the salary base? How much do you pay every month?
A: According to Article 16 of the Interim Measures for the Administration of Housing Provident Fund in Shenzhen, the deposit base of housing provident fund is the average monthly salary of employees in the previous year. New employees begin to pay housing provident fund from the second month of their employment, and the base of housing provident fund payment is the employee's salary for the current month. The newly transferred employees shall pay the housing provident fund from the date when the transferred units pay wages, and the deposit base of the housing provident fund is the employee's monthly salary.
Article 19 of the Interim Measures for the Administration of Housing Provident Fund in Shenzhen stipulates that the monthly deposit amount of housing provident fund paid by individual employees is the deposit base of employee housing provident fund multiplied by the deposit ratio. The monthly deposit amount of housing provident fund paid by the unit for employees is the deposit base of employee housing provident fund multiplied by the deposit ratio. The monthly deposit amount of housing provident fund paid by the unit for employees and individual employees shall be consistent.
According to the editing analysis, the provident fund is shared by both units and individuals, and the contribution ratio is the same. The contribution ratio calculated by * * * is between 10%-40%.
4. Can I use the provident fund for serious illness?
A: At present, in the case of serious illness in Shenzhen, it is temporarily impossible to withdraw the housing provident fund.
Editor's analysis Shenzhen housing provident fund is paid by both the unit and the employees, and the provident fund belongs to the employees themselves. Housing provident fund is a long-term housing savings fund that specifically supports employees to solve the problem of self-occupied housing. Special funds are used for special purposes, which need to be used according to law, and shall not be misappropriated without authorization.
5. Can Shenzhen people use provident fund when buying a house in other places?
A: The specific policies and procedures for housing consumption withdrawal will be launched in the first half of next year. Please feel free to pay attention to our website or call our hotline 8636699 for consultation.
6. Why can't our self-employed people pay the provident fund and enjoy welfare?
A: According to the Regulations on the Administration of Housing Provident Fund and the Interim Measures for the Administration of Housing Provident Fund in Shenzhen, the housing provident fund is paid by the unit and its employees. Self-employed individuals do not belong to the main body of housing provident fund deposit and cannot deposit provident fund.
Editor's Analysis Article 3 of the Interim Measures clearly stipulates that the housing accumulation fund refers to the contributions made by state organs, institutions, enterprises, private non-enterprise units, social organizations (collectively referred to as units) and their registered and non-registered employees. This provision clarifies that the main body of housing provident fund deposit is: on-the-job employees. Individual industrial and commercial households, unemployed people, retirees, retired re-employed people and freelancers are not included.
Conditions and requirements of Shenzhen provident fund loan
public accumulation fund
5%— 12%
The contribution ratio of provident fund paid by Shenzhen units for employees and individual employees shall not be less than 5% of the contribution base, and shall not be higher than 12% of the contribution base.
Since July, the unit can adjust the proportion of housing provident fund deposit according to its actual situation.
Deposit base
Since July, 20265438 1 day, all housing provident fund deposit units (hereinafter referred to as units) have adjusted the adjusted housing provident fund deposit base to be the average monthly salary of employees in 2020.
The adjusted deposit base shall not exceed 3 times the average monthly salary of employees in the city in 2020 announced by the statistics department of this Municipality, that is, it shall not exceed 34,860 yuan (the average monthly salary of employees in the city in 2020 is 1 1620 yuan ×3 times).
If the average monthly salary of employees (the average monthly salary under the annual salary system) does not exceed the above limit, the actual average monthly salary shall be used as the deposit base; If it exceeds the above limit, the limit shall be used as the deposit base. The adjusted deposit base shall not be less than 2200 yuan.
Deposit amount and interest rate
Deposit amount:
Deposit amount = monthly deposit salary base × deposit ratio
Deposit interest rate:
According to the benchmark interest rate of one-year time deposit.
Deposit procedure
Unit deposit registration
The newly established unit shall, within 30 days from the date of establishment, go to the housing provident fund business outlets for registration of housing provident fund deposit and special registration.
Handling materials:
1. Shenzhen Housing Provident Fund Unit Deposit Registration and Special Agent Registration Application Form.
2. Online business agreement of Shenzhen housing provident fund in duplicate.
3. Shenzhen housing provident fund entrusted collection agreement in duplicate.
4. The following units shall submit one original and one copy of the corresponding materials according to the following classification, and the copy shall be stamped with the official seal of the unit:
(1) State organ: approval document for the establishment of the unit.
(2) Public institution: a copy of the Certificate of Legal Person of Public Institution issued by the establishment management organ.
(3) Private non-enterprise units: the registration certificate of private non-enterprise units issued by the civil affairs department.
(4) Social organizations: the registration certificate of social organizations as legal persons issued by the civil affairs department.
(5) Others: valid certification documents.
5, the legal representative (or person in charge) copy of identity documents, must be stamped with the official seal of the unit.
6. One original and one copy of the ID card of the special agent.
Processing flow:
Method 1: Online declaration and counter settlement.
1, the unit specifies the associate degree.
2. Registration of the establishment of the online service hall: registering deposits and applying for an appointment.
3, according to the agreed time, with the required application materials to the housing provident fund business bank outlets.
4, online service hall online training and examination
5. Obtain a digital certificate (key)
Method 2: Counter settlement
1, the unit specifies the associate degree.
2, with the required application materials to the housing provident fund business bank outlets.
3, online service hall online training and examination
4. Obtain a digital certificate (key)
Processing time: 3 working days
individual account
After the deposit registration, the unit shall handle the formalities for the establishment of the housing provident fund account for its employees. Each employee can only set up one housing provident fund account. After the personal account is established and the employee's identity information is verified on the Internet, the personal housing provident fund account becomes effective, and the co-branded card business card is automatically launched.
Handling materials:
1, copy of Shenzhen Housing Provident Fund Personal Account Application List.
2. Original ID card of the special agent.
Processing flow:
Method 1: online settlement
1. The applicant logs into the online service hall: personal account setting module.
2, fill in the information, system audit
Method 2: Counter settlement
The applicant holds the required application materials to the housing provident fund business bank outlets.
Mode 3: Online declaration and counter settlement.
1. Applicants log on to the online service hall: personal account establishment-appointment application.
2, according to the appointment time, with the required application materials to the housing provident fund business bank outlets.
Processing time: three working days
What are the requirements for applying for housing provident fund loans?
To apply for individual housing provident fund loans in China Bank, you need to meet the following basic conditions:
1. The applicant and those who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time in this city for six months before the month of application, and the application is in a normal state;
2. The applicant and * * * have no provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city;
3. The sum of the applicant's age when applying for a loan and the loan term shall not exceed 70 years;
4. The applicant and those who participate in the calculation of the loanable amount of provident fund loans have the ability to repay the loan principal and interest, and their credit status is good;
5. The applicant has paid the down payment for the house purchase as required;
6. The applicant agrees to provide a guarantee that meets the requirements of these Provisions;
7. The loan application meets the requirements of national, provincial and municipal real estate market management policies;
8. Meet other conditions stipulated by the provident fund management committee.
Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
What information does Shenzhen second-hand housing provident fund loan need? What are the processes?
Information and process needed for the second-hand housing provident fund loan:
First, the required materials
1, ID cards and household registration books of the applicant and the property owner;
2. Commercial housing sales contract;
3. The original of the purchased second-hand house property certificate and state-owned land use certificate.
4. Proof of income of the applicant and spouse;
5, the real estate price evaluation results
6. The transfer account certificate issued by the seller.
7. Other materials required by the Provident Fund Center.
Second, the provident fund loan steps
1. Applicants for second-hand housing provident fund loans can go to the provident fund management center or the loan undertaking bank to consult related matters and evaluate the loan amount and term.
2. The loan applicant receives the application form, etc. And fill in it carefully and truthfully, and submit relevant application materials. After the approval of the provident fund management center and the loan undertaking bank, the evaluation results will be issued.
3. Price evaluation
The loan applicant shall entrust the real estate price appraisal institution designated by the provident fund management center to evaluate the purchased real estate.
Step 4 pay a down payment
After the evaluation structure comes out, the loan applicant must deposit the self-raised down payment fund exceeding the loanable amount into the designated account, and submit it to the provident fund management center or the loan undertaking bank after obtaining the deposit certificate.
5, provident fund center for loan application review.
Step 6 sign a contract
The loan applicant completes the signing of the loan contract in the designated provident fund service hall.
7. Handle the formalities of second-hand house property right transfer and mortgage registration.
8. The loan undertaking bank lends money to the applicant according to the loan contract and directly transfers it to the account designated by the seller.
What materials do you need to apply for Shenzhen provident fund loan?
1. Original and photocopy of ID card and household registration book of loan applicant, spouse, * * co-borrower and property owner, and account number of provident fund. Minors need to provide one-child certificate or birth certificate.
2. The above personnel must be present and carry their personal seals; Marriage certificate of the loan applicant and the borrower: the original and photocopy of the marriage certificate or divorce certificate, and the unmarried person shall provide the unmarried certificate; Proof of down payment receipt of not less than 20% of the house price.
3. For portfolio loans, the borrower and the borrower's income certificates shall be provided; The original and photocopy of the debit card supporting the universal deposit and withdrawal function; Copy of pre-sale permit of auction house or certificate of existing house production; Original pre-sale contract of auction house or existing home sales contract; A copy of the business license, qualification certificate and ID card of the legal representative of the real estate developer, and the collection account number of the real estate developer or agent.
In addition, go to the following locations: Futian, Baoan and Shenzhen loan acceptance counters in Longgang Management Hall of Provident Fund Center.
The introduction of Shenzhen provident fund loan application and the process of applying for provident fund loan have come to an end. I wonder if you have found the information you need?