To apply for individual housing provident fund loans in Shenyang, Liaoning Province, the basic requirements are as follows:
I. Term of the loan:
1. The longest service life of a commercial house is 30 years, the longest service life of a stock house (second-hand house) is 25 years minus the completion years of the house, and the longest service life of a loan is no more than 20 years. Houses with a completed service life of more than 25 years or included in the scope will not accept provident fund loans.
2. Your loan application period cannot exceed the statutory retirement age, that is, 60 years for men and 55 years for women. The legal retirement age is calculated according to the year of birth, not the specific month and date. Men over 45 years of age and women over 40 years of age, apply for provident fund loans for the first time with the family as the unit, and pay the provident fund for more than 3 years continuously, and the loan period can be extended to men over 65 years of age and women over 60 years of age.
II. Calculation of loan amount:
1. One party shall pay the housing accumulation fund with a maximum loan amount of 320,000 yuan, and both parties shall pay the housing accumulation fund with a maximum loan amount of 480,000 yuan.
III. Handling conditions:
1. You or the applicant have continuously paid the housing provident fund in full for more than 6 months according to the regulations, and the account opening date is in line with 180 days.
2. You or the applicant have no outstanding debts and your personal credit status meets the requirements.
3. You or the applicant agree to provide the guarantee method approved by the Center.
4. You or the applicant have no record of withdrawing the provident fund in cash within 12 months.
5. The development enterprise of the purchased building has signed a guarantee agreement with the housing provident fund center.
6. Loans can be issued within 24 months after the commercial housing sales contract is filed (or within 24 months after the pre-sale commercial housing is registered and filed).
7. Borrowers and applicants who apply for provident fund loans are required to pay social insurance normally, and the payment month is the same as that of the provident fund deposit month.
Four. The same city purchase restriction policy. Please consult the provident fund loan business outlets or the local provident fund management center in detail when handling.
The above contents are for your reference. Please refer to the actual business regulations.
How to buy a house? How to apply for a loan?
1. To buy a house loan, you need to go to the bank to apply for a house mortgage loan. First, buyers and sellers need to go to the bank together after signing the house sales contract. The party applying for a loan needs to prepare the household registration certificate and income certificate, and the bank will ask the lender to sign a mortgage loan contract.
2. After the buyer and the seller sign the mortgage loan contract with the bank, they need to go to the Housing Authority to transfer the property rights. After the property rights transfer is completed, the bank will handle the mortgage and issue the loan.
3. When issuing loans, commercial banks should strictly examine the borrower's loan purpose, repayment ability, repayment method, etc ... Commercial banks should implement a system of separating loan review from grading approval.
How to apply for a loan to buy a house, what is the way?
First, how to apply for a loan to buy a house, what is the way? The ways to apply for a loan to buy a house are: (1) The borrower applies for a loan from the loan bank and provides relevant information to the loan bank. (2) After accepting the loan application, the loan bank shall organize personnel to conduct investigation and approval. (3) After investigation and approval, the borrower is required to open a deposit account or bank card in the loan bank, sign a loan contract with the borrower and the mortgagor, and go through mortgage registration and insurance procedures. (4) After completing the above procedures, the loan bank will issue the loan on the same day and transfer the money to the deposit account or bank card opened by the borrower in the loan bank. 5. The borrower shall deposit enough money in his wealth management card account before 20th of each month (quarter) and pay off all principal and interest on the due date. Second, the concept of buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank to pay the purchase price with the building in the house transaction as collateral, and then the buyer pays the principal and interest to the bank in installments, also known as the house mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. 3. What are the conditions and procedures? People are most concerned about the conditions and procedures of mortgage loans. First of all, the materials to be provided for mortgage loan are: 1, the ID card of the applicant and spouse, and the original and photocopy of the household registration book (if the applicant and spouse are not in the same household registration, a marriage certificate should be attached). 2. The original purchase agreement. 3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price. 4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. 5. The developer's collection account number is 1 copy. Buying a house with a loan is the first choice for most buyers at present. Provide relevant materials according to the requirements of banks or lending institutions, sign loan contracts according to their procedures, and then pay back each installment as agreed. It should be noted that many financial institutions can handle real estate loans at present, but they must carefully judge their qualifications to avoid being deceived.
How to apply for a loan to buy a house
Now young people buy a house, basically they choose to borrow money to buy a house, because not everyone has the economic ability to buy a house in full. If you buy a house with a loan, you need to apply to the bank. Let's take a look at how to apply for a loan when buying a house in Bian Xiao.
1, loan application materials
To apply for a loan, you must first prepare relevant materials, including the applicant's ID card, household registration book, marriage certificate, purchase agreement, down payment receipt, family income certificate, personal income tax bill, bank deposit certificate and so on.
Step 2 choose a bank
Now basically all banks have mortgage loan services. Among the four major banks, ICBC's loan application time is a good choice. As a commercial bank, China Everbright Bank has a faster approval time and can also choose. However, it is best to choose a bank designated by the account holder to cooperate, so that even if the loan is not smooth or postponed, there will be no more.
3. Confirm that you can get bank mortgage support.
Property buyers can only apply for loans after confirming that the property they are about to buy can be supported by bank mortgage. Property buyers can first understand the relevant regulations and fill out the loan application form. After submitting it to the bank for approval, they can buy a house, sign a house purchase agreement and pay a down payment.
4. Go through the loan formalities
At this time, you can submit the prepared materials, purchase agreement and down payment certificate to the bank. At this time, property buyers, developers and other parties need to sign a loan contract in the bank to clarify the relevant amount, years and repayment methods of the loan before they can apply for a loan. Once the house is delivered for acceptance, the bank can lend to the selling unit.