Employees who have paid the housing provident fund in Yueyang City and have full capacity for civil conduct, their spouses and minor children, and who buy or build self-occupied houses in Yueyang City and Hunan Province can apply for loans from Yueyang Housing Provident Fund Management Center.
The applicant doesn't work in Yueyang City, but pays the housing accumulation fund normally in the workplace, and buys and builds the first set of ordinary self-occupied housing and improved housing in Yueyang City. Under the condition of meeting the loan policy of Yueyang Housing Provident Fund Management Center, you can apply to Yueyang Housing Provident Fund Management Center for the deposit of provident fund loans in different places with the relevant materials such as the deposit certificate issued by the housing provident fund management department of the deposit place.
Two, the basic conditions for applying for housing provident fund loans
1. Both the loan applicant and the employer have normally paid the housing provident fund for 6 months or more.
2. In the past year, the first owner-occupied house was legally purchased in this city and other places, and 20% of the house price has been paid, 30% of the house price has been paid for the purchase of a second suite or a second set of provident fund loans, and 30% of the house price has been paid for the purchase of affordable housing.
3. Have a stable economic income and the ability to repay loans on time. (The sum of the monthly loan repayment amount applied by the borrower and other household debt expenditures shall not exceed 50% of the monthly income of the borrower and spouse. Other household debts include commercial bank loans, credit card overdrafts and private loans handled by borrowers and their spouses, and debts that provide guarantees for others are regarded as guarantors. )
4. Good credit record.
According to the personal credit report provided by the credit information system of the People's Bank of China, if the borrower's or spouse's credit records have bad records for 6 consecutive times or accumulated 10 times, they cannot apply for loans.
5. Take the self-occupied house purchased this time as collateral. In addition to affordable housing, the nature of land is to allocate land and cannot apply for loans.
Third, the process of applying for housing provident fund loans
1, preliminary investigation and preliminary examination. Including credit investigation, provident fund remittance investigation and house purchase investigation.
Both husband and wife bring all materials to the housing provident fund management center to sign the letter of credit authorization, and submit copies of relevant loan materials for pre-examination.
After the first trial is passed, after receiving the phone call from the housing provident fund, both husband and wife bring the original documents needed for the loan for loan approval.
2. Loan approval. Including determining the loan amount and term, signing a loan contract, and handling real estate mortgage at the real estate registration center.
3. Loan issuance. After receiving the phone call from the staff, the loan applicant brings the original ID card and the debit bank passbook or card to the housing provident fund management center to handle the loan issuance procedures, and signs the IOU at the loan issuing bank.
4. Loan repayment method. Repayment of equal principal and interest shall be adopted, and the loan shall be deducted from the bank account on the corresponding date every month. The loan can be fully settled or partially repaid in advance without paying any liquidated damages or other related expenses.
Four. Regular interest rate of loan amount
1. Buy and build the first set of self-occupied housing in the urban area of this city, and the loan amount shall not exceed 80% of the purchase price; The maximum loan amount of two suites or two sets of provident fund loans shall not exceed 70% of the purchase price; The amount of affordable housing does not exceed 70% of the purchase price, and the maximum loan amount is 600,000 yuan. In other counties (cities) under the jurisdiction of this Municipality, the purchase and construction of owner-occupied housing shall not exceed 500,000 yuan. The total amount of loans and withdrawals cannot exceed the total purchase price.
2. The loan term shall not exceed the national statutory retirement age, and the longest shall not exceed 30 years.
3. The loan interest rate shall be subject to the provisions of the People's Bank of China, and the loan interest rate of the second-home or second-home provident fund will rise by 10%.
Verb (abbreviation for verb) Information needed for loan.
1. The applicant fills in the Approval Form for Housing Provident Fund Mortgage Loan in Yueyang City in duplicate.
2. Fill in the Family Income Certificate or the on-the-job and work certificate provided by the applicant's unit.
3. If the applicant's spouse works in other places, it shall provide proof of the deposit of provident fund in other places and the loan. (Note: The provident fund account must be frozen in Hunan Province)
4, the applicant and his spouse's identity card and residence booklet, with four originals and copies.
5. Certificate of the applicant's marital status (marriage certificate and divorce certificate) issued by the civil affairs department, original and three copies.
6. When buying a new house, provide the purchase contract, the invoice (receipt) that has paid 20% or 30% of the purchase price, the registration certificate of the pre-purchased house, the real estate registration certificate or the house ownership certificate, and the real estate registration certificate, one original and one copy each.
When buying a second-hand house, provide the purchase contract (agreement), tax invoice after transfer, real estate invoice, house ownership certificate or real estate registration certificate, one original and one copy each.
7. The bank of the applicant and his/her spouse shall issue a salary passbook and salary records of the last 12 months, with one original and one copy.
8. Proof of Property Right Information Inquiry issued by the applicant's husband and wife and minor children for the first suite (the place where the provident fund is deposited and the place where the house is purchased must be provided).
Six, off-site housing provident fund deposit in this city for housing loans matters needing attention.
1, which mainly supports employees to buy the first set of ordinary self-occupied housing and improved housing. Those who buy the third and above houses are not allowed to go through the formalities of housing provident fund loans in different places. Housing provident fund deposit, the number of housing units and the number of loans are calculated together.
2. In addition to the information required for the loan in item 5 above, it is also necessary to provide:
(1) On-the-job and on-the-job certificate issued by the personnel department of the loan applicant's work unit, and stamped with the seal of the personnel department;
(2) Certificates issued by the real estate authorities at the place where the loan applicant's provident fund is deposited and the place where the house is purchased that the applicant's family (including himself, spouse and minor children) owns the number of housing units;
(3) The provident fund management center at the place of deposit shall issue the Employee Housing Provident Fund Deposit and Loan Certificate, the Employee Housing Provident Fund Basic Information Form, the Provident Fund Deposit Details in the Last Six Months (the above information shall be stamped with the official seal approved by the loan management center), and the certificate that the personal housing provident fund account of the loan applicant and spouse has been frozen by the deposit management center;
④ The borrower shall also provide at least one contact person to Yueyang Housing Provident Fund Management Center. This contact person should be the immediate family member of the borrower, have the household registration in Yueyang City, work or live in Yueyang City, and provide the contact person's ID card, household registration book, lineal relatives certificate issued by the public security organ, contact address and contact information.
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