Taian Housing Provident Fund Policy Description:

Loan guarantees are divided into four types: real estate mortgage, rights pledge, natural person guarantee, and guarantee company guarantee.

A real estate mortgage

If an existing house or a purchased second-hand house is used as a mortgage, the full value of the property must be used as loan mortgage, and the loan amount shall not exceed 60% of the appraised value of the mortgaged property. .

Second rights pledge

The pledgor and the pledgee must sign a written pledge contract and go through the pledge freezing procedures. The pledge rate is determined within 50-90 according to the nature of the securities. The types of securities pledged are recognized by the Provident Fund Management Center.

Three natural person guarantees

The guarantor must pay the housing provident fund on time and in full for more than 12 months at the Provident Fund Management Center, have fixed financial resources, and have sufficient repayment ability for 3 consecutive months Those who have not paid housing provident fund for more than 3 months cannot provide provident fund loan guarantee. At least one guarantor must be an active employee of an administrative institution with full financial allocation or other unit recognized by the Provident Fund Management Center.

1. City center (including Taishan District and Daiyue District): The borrower’s loan amount is within 150,000 yuan (inclusive) and requires a guarantor to provide loan guarantee; 150,000 yuan (inclusive) - 30 A loan of 10,000 yuan (inclusive) requires 2 guarantors; a loan of 300,000 yuan (inclusive) to 400,000 yuan (inclusive) requires 3 guarantors.

⒉All branches (excluding Taishan District and Daiyue District): Each management department (branch center) of the borrower needs a guarantor to provide loan guarantee if the loan amount is within 100,000 yuan (inclusive); 100,000 yuan (exclusive) to 200,000 yuan (inclusive) requires 2 guarantors; 200,000 yuan (exclusive) to 300,000 yuan (inclusive) requires 3 guarantors; and 300,000 yuan or more requires 4 guarantors.

Four Guarantee Companies

If the guarantee company guarantee method is used, the guarantee company recognized by the management center shall handle the entire guarantee procedures. At present, the guarantee companies that have signed cooperation agreements with the center include "Shandong UnionPay, Shandong Shengding, and Taian Huatai" guarantee companies.

Personal opinion: It is more convenient to ask a guarantee company for a guarantee. Buying a house when you marry your spouse counts as the first house, and buying a house with your father counts as the second interest rate.

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