Application conditions for provident fund loans:

Conditions for applying for individual housing provident fund loans

1. Have a household registration in People's Republic of China (PRC) and a valid identity card (compatriots from Hong Kong, Macao and Taiwan and foreigners with permanent residency in China should hold their mainland travel permits, passports or permanent residence identity cards when applying for loans).

2. When applying for a loan, the applicant's deposit shall meet the following conditions:

(1) The registered employees in this city have continuously paid the housing accumulation fund in full 1 year or more (inclusive);

(2) Employees who are not registered in this Municipality have continuously paid the housing provident fund in full for more than 2 years (inclusive);

(3) Voluntary depositors also need to pay for more than half a year (including half a year);

(4) Non-local registered employees with Guangzhou talent green card apply for provident fund loans and enjoy the treatment of local registered employees;

3. There is a purchase contract or agreement confirmed by the real estate registration department where the house is located, and mortgage or guarantee procedures can be handled;

4. The down payment for house purchase has been paid as required;

5. Have full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the loan principal and interest;

6, housing provident fund deposit priority for repayment of personal housing provident fund loans.

Application materials for provident fund loans:

1. Valid identification

2. Household registration

3. Marriage certificate

4. Bank deposits

5. Real estate registration certificate

6. Housing sales contract

7. Personal information inquiry authorization

8. Commitment letter

9. Power of attorney for personal information inquiry and submission in the basic database of financial credit information

10. The first invoice (provided by the first-hand house)

1 1. Housing appraisal report (property certificate provided for existing houses)

Frequently asked questions on provident fund loan application:

1. Will housing provident fund loans be charged?

Housing provident fund management center for individuals to handle housing provident fund loan procedures, free of charge.

2. What about housing in loans overdue after the repayment of provident fund loans?

Provident fund loan repayment business refers to the business that employees (borrowers and spouses) who normally deposit housing provident fund in this city and have applied for individual housing provident fund loans entrust the municipal housing provident fund management center to withdraw the balance in their housing provident fund accounts on a monthly basis to repay the total principal and interest of their individual housing provident fund loans.

If the balance of the account is less than the principal and interest due this month, the total principal and interest of the personal housing provident fund loan due this month should be deposited into the repayment card of the original designated bank in time to ensure the normal repayment every month.

3. Is there a requirement to deposit provident fund for provident fund loans? Can employees who have paid provident fund in other cities or registered employees in other cities apply for provident fund loans when buying houses in our city?

Provident fund loans have no restrictions on the place of deposit. You can apply for provident fund loans in both cases you just mentioned. Employees who have paid provident fund in other cities can apply for provident fund loans as long as they meet the conditions of provident fund loans in our city and issue certificates of payment and use of housing provident fund for employees who have borrowed from other places in the provident fund management center of the city where the provident fund is paid.

In addition, employees who meet the conditions of provident fund loans in our city and buy houses in our city can apply for provident fund loans, regardless of their foreign household registration or household registration in this city.

4. Is there a difference in the amount and interest rate between the first application and the second application for provident fund loans?

Of course there is a difference. The maximum loan amount for the first home is: 250,000 yuan for one employee and 500,000 yuan for two or more employees. The maximum amount of the second home loan is: 200,000 for one employee and 400,000 for two or more employees.

The loan interest rates of the first suite and the second suite are also different, and the loan interest rate of the first suite is subject to the benchmark interest rate announced by the People's Bank of China. The interest rate of the second home loan is 1. 1 times that of the first home loan in the same period.

Verb (abbreviation of verb) How to deduct money when the deduction date agreed in the loan contract falls on weekends or legal holidays?

If the deduction date of provident fund loan happens to be a weekend or a legal holiday, the deduction date will be postponed to the next working day for deduction.

Housing accumulation fund is becoming more and more familiar to us. Although the housing accumulation fund has strong welfare, it can relieve the pressure of employees to buy houses, but it is the last word that money should be put in their own pockets. Therefore, proper financial management, so that your savings can also bring you some benefits, so that you can minimize the economic pressure when buying a house.

How to handle provident fund loans

Although housing prices are getting higher and higher, it can't stop people's enthusiasm for buying a house. After all, with a house, I have peace of mind. Who doesn't want to have their own house if they have the ability? Although the pressure of buying a house is great, if you can use provident fund loans, the pressure will be much smaller. Many people know that provident fund loans can be used to buy a house, but they don't know much about the process and conditions of provident fund loans. Then I'll tell you in detail today.

How to handle the provident fund loan?

There are many details and conditions that need to be paid attention to when handling provident fund loans. Once you don't meet the requirements, it means that the bank will refuse to give you a provident fund loan. Therefore, before applying for provident fund loans, you should judge whether you meet the conditions of provident fund loans.

-Conditions to be met for provident fund loans

1, there is a provident fund account, and the housing provident fund has been continuously paid for a certain number of years. Every city has different regulations. Specifically, go to the local provident fund management center to find out. For example, Shanghai requires the provident fund to be paid continuously for more than 5 years before it can buy a house and apply for a provident fund loan.

2. There is a labor contract signed with the company. Some cities even require companies to sign labor contracts for three years or more.

3. The lender applying for provident fund has not retired, nor has it exceeded the retirement age. This is mainly to ensure that the applicant has a certain repayment ability. After all, provident fund loans are also loans, and whether the applicant has the ability to repay is always the decisive factor in considering whether he can lend.

4. Lenders applying for provident fund should agree to handle mortgage registration and insurance, and should be able to provide the guarantee method recognized by your provident fund management center. This requires you to know for yourself what kind of guarantee method is recognized by the local provident fund management center. After all, this is a big deal, and it is inevitable to run more times.

5. Relevant supporting documents of the house purchase contract, such as the house purchase contract and the house property certificate, shall be provided. , but also need to pay the provident fund documents. In short, all kinds of documents and materials are indispensable, and there must be some.

If you meet all these conditions, you can enter the process of provident fund loans. As long as you know every step of the process, you can handle it quickly, unlike some people who have not handled it many times.

-Procedures for handling provident fund loans

The specific process is as follows: go to the provident fund management center to submit materials → the provident fund management center accepts → the provident fund management center approves the loan → it is approved, and the mortgage registration formalities → the provident fund management center examines the loan → it is approved, and the loan is issued.

Then, let's explain some details that need to be paid attention to in the refinancing process.

1, materials required for provident fund loans

(1) The original and photocopy of the ID cards of the husband and wife of the provident fund loan applicant (multiple copies are required for each place and 3 copies are required for some places).

(2) It is also necessary to provide the original and photocopy of the bank credit certificate of both husband and wife of the provident fund loan applicant.

(3) The original and photocopy of the household registration book. The account book here should include the first page of the account book, the first page of the account book and the personal pages of both husband and wife. Both the original and the copy are needed.

4 proof of marital status. Get a marriage certificate when you get married, a divorce certificate when you get divorced, and a single certificate when you are single.

5 proof of purchase, original and photocopy of purchase invoice and other relevant documents.

6. Monthly income certificate. You can print the daily account of the bank.

⑦ Education. Some provident fund loans also need to provide the highest academic qualifications, such as undergraduate diplomas and degree certificates, and junior college diplomas. But some cities don't need to provide this, depending on the location of the provident fund management center.

⑧ Other materials required by the provident fund management center. The demand for provident fund loans in different places may be different. You can call the local provident fund management center to ask what materials you need.

2. Under these circumstances, the application for provident fund loan may not be approved.

One of the husband and wife has used the provident fund loan, and the loan amount and interest have not been repaid. In this case, two people cannot apply for provident fund loans again.

② I applied for a portfolio loan when I bought a house, and later I wanted to turn it into a provident fund loan. In this case, this is unacceptable. Because portfolio loans cannot be converted into provident fund loans.

③ The provident fund loan applicant has problems with credit reporting, and has overdue repayment records or other bad records.

If you don't have the above problems, then don't worry too much. As long as the information is complete and there is no credit problem, generally speaking, it is not too difficult for you to apply for a provident fund loan.

How to borrow housing provident fund

When we are looking for a job, we all ask the unit to pay us five insurances and one gold, one of which refers to the provident fund. As we all know, the provident fund is for us to buy a house in the future. When the economic situation is not very affluent, most people will use loans. Compared with commercial loans, provident fund loans are much cheaper, which can greatly alleviate people's repayment pressure. So how to loan housing provident fund? Next, let's take a look at how the provident fund is loaned.

Housing provident fund loan process:

loan application

If a lender wants a provident fund loan, the first step is to go to the bank to submit a written application and fill out an application for housing provident fund loan. If the loan application materials are complete, the bank will transfer the applicant's loan application to the provident fund management center. Among them, the materials needed for the loan include the purchase contract, the down payment receipt of the purchase, and the household registration book. If the lender is married, the original and photocopy of the marriage certificate, the identity cards of both husband and wife, etc. It is also necessary.

preliminary examination/check

After receiving the loan application, the housing provident fund management center will conduct a preliminary examination of the submitted application materials, including the applicant's loan amount, loan term and loan qualification. If the applicant meets the loan conditions in all aspects, the housing provident fund management center will issue a notice of mortgage review and evaluation.

estimate

The Lender carries the Notice of Collateral Examination and Evaluation to the designated evaluation institution to evaluate the purchased house.

audit

The loan applicant presents the appraisal report issued by the appraisal agency and the preliminary examination materials of the provident fund center to the management center for review, and the provident fund management center will review the materials of the lender within 10 working days and make a decision on whether to approve the loan. After the approval, the management center will issue the Notice of Investigation on Entrusted Loans of Housing Provident Fund Management Center.

guarantee

After the re-inspection is successful, the lender shall choose a guarantee method acceptable to him to handle the guarantee formalities.

sign a contract

After the applicant pays the required items with the Personal Housing Provident Fund Loan Acceptance Form of the guarantee company, the lender and the bank can sign a contract, and the bank will sign a guarantee contract and a loan contract with all loan applicants and guarantors respectively.

:: Issuance of loans

After the loan formalities are completed, the bank will directly transfer the loan to the seller's designated account in the bank.

This is probably the loan process of housing provident fund. After the loan is approved, the lender needs to repay the loan on time every month according to the repayment method agreed in the loan contract. If repayment is to be made in advance, it must be completed one year later, and the lender needs to apply to the bank for settlement 10 working days in advance.

Conditions to be met for provident fund loans:

The first restriction of provident fund loan is that the lender needs to continuously deposit the provident fund for more than 6 months, and the provident fund is in a normal deposit state when applying for a loan. If the provident fund has been broken in the process of payment, 1 year can be repaid no more than three times. After successful payment, you can apply again.

Lenders and family members have no outstanding provident fund loans and discount loans. If a family member has applied for a provident fund loan, neither husband nor wife can apply for a provident fund loan again without paying off the provident fund loan. Because the provident fund is the state's financial support for the basic housing needs of workers' families.

Another limitation of provident fund loans is that it does not affect the lender's repayment ability of provident fund loans. Lenders cannot have other large outstanding debts, so applying for provident fund loans also needs to ensure the lender's repayment ability. Therefore, the general lender who applies for provident fund loans must have a stable job, a stable source of income and a certain repayment ability, otherwise the housing provident fund cannot operate safely.

In addition, provident fund loans have a loan term limit, and the longest loan leave cannot exceed 30 years. If it is a portfolio loan, the loan term of commercial loan and provident fund loan should be the same.

Repayment method of provident fund loan:

1. Equal repayment of principal and interest

Matching principal and interest means that the monthly repayment of principal and interest by the lender is certain, but the monthly repayment of principal will increase month by month, while the corresponding loan interest will decrease.

2. Equal principal repayment

Average capital means that the monthly repayment of the principal by the lender is fixed, while the monthly principal and interest are reduced.

Generally speaking, when making a housing provident fund loan, it is necessary to examine the applicant to see whether the applicant's loan qualification, loan amount and loan term meet the loan conditions. If you meet the requirements, you can get a loan. Compared with commercial loans, provident fund loans not only shorten the loan period, but also ease the repayment pressure, which is a very practical loan method. The above is my answer to how to borrow housing provident fund, hoping to help you.

So much for the introduction of how to borrow money from the housing public welfare fund.