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. Below, I have sorted out the conditions and restrictions of Ningbo provident fund loans, hoping to help you!
Ningbo restricts provident fund loan conditions
First, the borrower's family (including the borrower, spouse and minor children, the same below) purchases ordinary self-occupied housing for the first time, and personal housing provident fund loans are given priority protection.
Two, the borrower's family to apply for personal housing provident fund loans to buy self-occupied housing, strict control, the loan down payment ratio is adjusted to not less than 50%.
Three, suspend the acceptance of the purchase of third and above housing families personal housing provident fund loan applications.
Four, the second and above housing standards, in accordance with the relevant provisions of the Ministry of Housing and Urban-Rural Development, the People's Bank of China, China Banking Regulatory Commission "on regulating the second set of housing standards in commercial personal housing loans" (Jian [2010] No.83). The number of housing units of the borrower is determined according to the number of complete housing units actually owned by the family members who intend to purchase the house. In any of the following circumstances, the borrower shall implement the second and above differentiated housing credit policies:
(a) the first application for the use of loans (including personal housing provident fund loans and commercial personal housing loans, the same below) to buy self-occupied housing, such as their families have registered in the housing registration information system (including the online filing system of commercial housing sales contracts, the same below) 1 set and above;
(two) have used loans to buy 1 sets and above housing, and apply for loans to buy self-occupied housing;
(3) The entrusted bank or provident fund center is convinced that the borrower's family owns 1 house or above by inquiring about credit records, interviews and other forms of investigation.
Five, the borrower to apply for personal housing provident fund loans, should provide proof of the results of family housing registration records issued by the real estate registration management department where the purchase is located, and add the written credit guarantee content about the borrower's family housing in the interview record.
Six, individual housing provident fund loan interest rates in accordance with the relevant provisions of the Ministry of housing and urban-rural development, the people's Bank of China.
Application conditions:
(a) when applying for a loan, the normal continuous deposit of housing provident fund for more than 6 months (inclusive);
Those who introduce overseas high-level talents to buy second-hand houses will normally pay the housing accumulation fund for more than 3 months (inclusive) when applying for loans and obtain the Residence Permit for Overseas High-level Talents in Zhejiang Province;
(2) When the borrower purchases a second-hand house, the registration date of the real estate ownership certificate shall not exceed 12 months (inclusive);
(3) The borrower, spouse and borrower have stable economic income and the ability to repay the principal and interest of the loan on schedule, have good personal credit and have full capacity for civil conduct;
(4) Down payment or paid funds for house purchase: if you buy the first set of self-occupied houses, or if you already have a house under your name and settle the corresponding housing loans (including provident fund loans and commercial loans), you can buy the second set of improved self-occupied houses at least 40% of the total house purchase price; There is an outstanding commercial housing loan for a house in the name, and the purchase of a second self-occupied house is not less than 60% of the total purchase price, and the loan interest rate is not less than 1. 1 times the loan interest rate of the first housing provident fund for the same period;
(five) the borrower agrees to use the full value of the property purchased by the loan as collateral;
(6) The loan amount complies with the relevant provisions. The actual loan amount of the borrower is determined as follows:
1, and the amount shall not exceed the current maximum loan amount;
2. It shall not exceed the amount calculated by the formula for calculating the loanable amount;
3. It shall not exceed the repayment capacity calculated by 60% of the deposit base;
4. Do not exceed the amount of the remaining house price after deducting the prescribed down payment funds;
5, the expropriated person chooses the housing property rights exchange and resettlement loan, which does not exceed the amount of self-raised funds;
6. Commercial loans shall not exceed the original remaining balance of commercial loans;
7, divorce change loans, shall not exceed the original remaining housing provident fund loan balance.
8. The loan amount for high-level talents can be increased by 50% according to the current maximum loan amount for local families. If the borrower applies for a loan from a house with * * * property rights, and the owner of * * * property rights is a child under the age of 18, the maximum loan amount shall not exceed the share of property rights owned by the borrower. The share of property rights shall be subject to the contents recorded in the real estate registration certificate; * * * If the share of property rights is unclear, the same as * * * *.
(7) Loan term: the longest loan for house purchase shall not exceed 30 years, and the remaining land shall not exceed the service life specified by the state; Within the specified housing loan period, the loan period can be extended to 5 years after the borrower's statutory retirement age; For commercial-to-public loans, the borrower's application for housing provident fund loans shall not exceed the remaining loan life of the original commercial personal loans (take the annual integer, the same below); If the divorce is changed, the borrower's application for housing provident fund loan shall not exceed the remaining life of the original loan.
(eight) the borrower's family housing demolition identification:
1. If the borrower's family (including the borrower, spouse and minor children, the same below) is under any of the following circumstances, the first home loan policy will be implemented:
(1) The inquiry result of the borrower's real estate registration information proves that there is no housing record, no outstanding personal housing loan record in the personal credit report, and no housing in the interview record, so the borrower purchased the first self-occupied housing;
(2) The inquiry result of the borrower's real estate registration information proves that he has a set of housing records, there is no outstanding personal housing loan record in the personal credit report, and there is no other housing in the interview record, so he buys a second set of improved self-occupied housing.
(3) The inquiry results of the borrower's real estate registration information prove that there is no housing record, and the personal credit report has no record of outstanding personal housing loans. The interview records show that there is a set of housing and a second set of improved self-occupied housing is purchased.
2, the borrower's family has one of the following circumstances, the implementation of the second set of housing loan policy:
(1) The inquiry result of the borrower's real estate registration information proves that there is a set of housing records, and the commercial personal housing loan has not been settled for this set of housing, and there are no other houses in the interview records, so the borrower purchases a second set of self-occupied housing;
(2) The inquiry result of the borrower's real estate registration information proves that there is no housing record, there is an outstanding commercial personal housing loan record in the personal credit report, and there is no other housing in the interview record, so buy a second set of self-occupied housing.
(9) Determination of the borrower's loan amount
The calculation basis of the borrower's family housing provident fund loan times is the loan records in the housing provident fund loan business system of the city housing provident fund management center and the off-site housing provident fund management center (including relevant certification materials issued by the center), the housing provident fund loan records in the personal credit report and the housing provident fund loan times in the interview records:
1. The calculation scope of the borrower's family housing provident fund loan includes the borrower and his spouse, as well as the housing provident fund loan records in the name of the borrower and his spouse.
2 housing owners (except the borrower's spouse) do not participate in the calculation of housing provident fund loan amount or repayment ability, and do not calculate the number of housing provident fund loans.
3. If the borrower applies for a divorce change loan, the housing provident fund loan of the house before the divorce shall be determined by both husband and wife as 1 times. If the borrower applies for a divorce change loan this time, the number of loans will not be counted.
(10) Other information about the loan.
1, the query result of real estate registration information proves that
(1) If the mortgaged house in the certificate and the mortgaged house shown in the personal credit report are actually the same house, the loan contract or relevant certificates indicating the address of the house loaned by the loan bank shall be provided.
(2) If there is mortgage information in the certificate, but it is not shown in the personal credit report, another relevant certificate that the loan bank has the name of the borrower of the loan shall be provided.
(3) If it is proved that the mortgaged house is "administrative restriction" and "ground lock", it belongs to the housing provident fund loan and cannot be applied for temporarily before it is lifted.
2. If the name and ID number in the loan information are inconsistent, the name and number on the ID card shall prevail, and the information is complete.
3. Marriage certificate
(1) If the name and ID number on the printed marriage certificate are incorrect, another certificate from the civil affairs department is required.
(2) If the name and ID number in the handwritten marriage certificate are incorrect, the borrower promises or provides proof from the civil affairs department.
(3) If the owner of the loan house is parents (older), and it is inconvenient to reissue the marriage certificate, the borrower's parents can change the marriage certificate in the form of commitment.
4. Divorce agreement or court divorce judgment
(1) If the agreement involves the payment of minor child support, the amount shall be included in the borrower's liabilities.
(2) If the housing involved in the agreement is clearly owned by the borrower, it shall be included in the number of housing units of the borrower's family (the housing has been sold but not counted) and a written commitment from the borrower shall be provided.
5. Second-hand housing loan online signing contract
If there is an error in the online signing contract of second-hand housing loan, the buyer and the seller need to go to the online signing window (or online signing point) of the real estate market transaction management department to sign a supplementary agreement or provide relevant certificates from the real estate market transaction management department.
6. Transfer of loan funds
If the loan funds need to be transferred to a third-party account, or if there is more than one transferor and all of them cannot be signed on site, the original certificate of entrustment shall be provided.
7. Clearly extend the term of housing provident fund loans for retired female cadres.
Female cadres at or above the deputy division level in administrative organs and institutions have senior titles or above the deputy division level. The borrower shall submit the certificate of deferred retirement issued by the organization and personnel department of the unit where he works, and then the loan period from the time when the borrower handles the loan to the actual retirement age can be calculated according to the regulations.
8. To apply for housing provident fund loans in different places, the borrower and his/her spouse, the borrower and his/her spouse are required to provide proof of the deposit and use of housing provident fund for employees with loans in different places, and the borrower's family (including minor children) and the borrower's family (including minor children) are required to provide proof of the inquiry results of the real estate registration information in the deposit place.
(1 1) prohibitive requirements
1. If the personal credit report of the borrower, spouse and * * * borrower or the business system of the provident fund center shows that one of the following circumstances has been verified, the borrower shall be suspended from applying for housing provident fund loans:
(1) The repayment of housing provident fund loan is overdue for more than 3 consecutive periods (inclusive); Or in the last 2 years (excluding) before the loan application date, the repayment of the housing provident fund loan is overdue for more than 6 periods (including);
(2) In the last two years (excluding) before the loan application date, the repayment of commercial personal housing mortgage loan is overdue for more than 3 consecutive periods (including), or for more than 6 periods (including);
(3) The loan application date is guaranteed by others (including the unit), or the personal credit report shows that the credit card and other loans overdue have not been paid off;
(4) In the last three years (excluding) before the date of application, he provided or issued false certification materials for himself or others to apply for housing provident fund loans, was sued for bad credit, and was included in the list of untrustworthy people by using housing provident fund fraudulently;
(5) During the loan approval period, the deposit of housing provident fund shall be stopped or the housing provident fund deposit account shall be frozen or sealed up. The above-mentioned continuous overdue loan repayment refers to the borrower's continuous and uninterrupted failure to repay the loan principal and interest in full every month as agreed in the loan contract, excluding the situation that the borrower has paid off the loan in the month overdue this month.
2, owner-occupied housing in any of the following circumstances, can not apply for housing provident fund loans:
(1) Property with the nature of collective land;
(2) Property with disputed property rights;
(3) Property that cannot be mortgaged according to laws and regulations.
3, the borrower's family in any of the following circumstances, can not apply for housing provident fund loans:
(1) The original housing provident fund loan has not been settled;
(2) buying a third or more family housing;
(3) the third use of housing provident fund loans;
(4) The owner of * * * is not a spouse, parents or children;
(5) The house price of the commercial-to-public loan exceeds the amount of the deed tax payment certificate.
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