At present, many domestic banks can apply for provident fund loans You can apply for a loan as long as you meet the conditions. Different banks have different standards, and many cities have other regulations on provident fund loans. It is best to go directly to the outlets for consultation. The following are some common bank provident fund loans, subject to bank rules.
1, Postal Savings Bank-Provident Fund Credit Loan
Amount: 300,000 yuan, 500,000 yuan.
Interest spread
Repayment method: interest before principal/interest before principal.
Unit requirements: excellent occupations such as administrative institutions, civil servants, banks, hospitals, schools, state-owned enterprises and central enterprises can apply for the exam.
2. Bank of Zhengzhou-Provident Fund Credit Loan
Ok:10-300,000.
Interest spread
Repayment method: interest first, then principal.
Unit requirements: excellent occupations such as bus, railway, school, hospital, and financial punching can be applied.
3. Ping An Bank-Provident Fund Credit Loan
Quota: 500,000 yuan
Interest spread
Repayment method: equal principal and interest
Unit requirements: excellent occupations can enjoy the interest rate reduction plan, both individuals and private enterprises can.
4. China CITIC Bank-Provident Fund Credit Loan
Ok:10-300,000.
Interest spread
Repayment method: interest first, then principal.
Unit requirements: civil servants and institutions.
5. ICBC-Provident Fund Credit Loan
Amount: up to 500,000 yuan.
Interest: 2% 77
Repayment method: equal principal and interest
Unit requirements: civil servants, institutions, provident fund for one year, clerk 300 thousand, department head 400 thousand, department head 500 thousand.
The above are the loan products of common banks. As long as the qualifications are good, it is easier to apply successfully. You'd better start preparing six months to one year in advance, keep the continuity of the provident fund and have a good credit report.
Where can I apply for a housing provident fund loan?
Legal analysis: the location of housing provident fund management is in the local provident fund management office, which can handle municipal provident fund, provincial provident fund and directly affiliated unit provident fund. The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. Usually it will be handled at the provident fund management center. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund. Urban individual industrial and commercial households and freelancers can apply for housing provident fund deposit (note: not all housing provident fund management centers in community cities allow urban individual industrial and commercial households and freelancers to deposit housing provident fund, please consult local housing provident fund management agencies for details). The process of provident fund management is: 1, loan consultation. 2. Submit an application. 3. sign the contract. 4. Transaction transfer.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Where can I apply for a provident fund loan? What are the conditions for provident fund to apply for a loan to buy a house?
To apply for a provident fund loan, just go to your provident fund management center at that time. Of course, if you want to use provident fund loans, you need to meet certain conditions. Moreover, buyers must pay the housing provident fund normally for six consecutive months before they can apply for provident fund loans. So, where can I apply for a provident fund loan? What are the conditions for provident fund to apply for a loan to buy a house?
To apply for a provident fund loan, just go to your provident fund management center at that time. Of course, if you want to use provident fund loans, you need to meet certain conditions. Moreover, buyers must pay the housing provident fund normally for six consecutive months before they can apply for provident fund loans. So, where can I apply for a provident fund loan? What are the conditions for provident fund to apply for a loan to buy a house?
Where can I apply for a provident fund loan?
As long as the provident fund loan is found in the provident fund management center, there is no need to find the sales office. The conditions for provident fund loans are as follows:
1. The buyer and the seller sign the loan application in the guarantee company;
2. The buyer and the seller are present in person for preliminary examination and evaluation;
3. Both parties go through the transfer formalities, and the buyer signs a loan contract at the housing provident fund management center;
4, see the new title certificate provident fund management transfer to the guarantee company account;
5. The guarantee company lends money to the owner to the designated account;
6. The buyer shall go through the mortgage formalities with the guarantee company and obtain the property right certificate;
What are the conditions for provident fund to apply for a loan to buy a house?
First of all, the housing purchased by the applicant must be self-occupied, have a permanent residence or valid identity document in the city where the application is made, and have paid the housing provident fund regularly for six months before applying for a loan.
Secondly, the applicant must have a stable source of income, no bad credit record, a down payment of 30% for the first suite, a down payment of 20% for a house of 90 square meters or less, the ability to repay the loan according to regulations, and a certificate of housing registration information issued by the Housing Security Bureau of the place where the provident fund was paid and the place where the house was purchased.
Finally, the guarantor recognized by the customer provides phased guarantee before the house mortgage takes effect, and the purchased house is used as mortgage. Of course, the buyers who apply for housing provident fund loans are temporarily limited to parents and adult immediate children.
Provident fund loan is the most suitable loan method, and it is also the preferred purchase method for many buyers. Provident fund loans require buyers to have a good credit record, and only with good credit can they apply for loans smoothly. Of course, everyone must repay the loan on time, otherwise the bank has the right to repossess the property.
Where should I apply for provident fund loans?
You can apply for individual housing provident fund loans to all branches of the provident fund center.
The borrower shall collect and truthfully fill in the Application Form for Housing Provident Fund Loan from all branches of the Provident Fund Center, and submit relevant materials to the Provident Fund Center for review. The branches of the provident fund center put forward suggestions on the loan amount and duration through the examination of the authenticity and repayment ability of the borrower's house purchase. After passing the preliminary examination and being signed by the person in charge of the branch, they will be reported to the municipal provident fund center for approval.
After examination, the municipal provident fund center makes a decision on whether to grant or not to grant loans, and sends the loan materials back to all branches; After the loan is issued, the branches of the provident fund center will transfer the loan materials to the entrusted bank, and the entrusted bank will notify the borrower and the mortgage guarantor.
And signed the "housing provident fund loan contract" to handle the mortgage guarantee procedures; For those who do not meet the loan conditions, each branch shall notify the loan applicant and explain the reasons; The entrusted bank issues loans to borrowers.
Extended data:
The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. Use my housing provident fund to apply for housing provident fund loans, and I will normally pay back the housing provident fund when applying for loans.
The maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.