Because of the different policies in different cities, you can directly contact the personal loan department of local outlets to confirm whether there is provident fund loan business and related business regulations in your area!

1. Provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

2.20 12 Some cities relaxed the conditions of provident fund loans. Among them, the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province will be raised from June 20 12 to June 2012 and will be raised to 300,000 yuan.

3.20 14, 10 The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate fees, canceling individual housing loan insurance from housing provident fund, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 consecutive months can apply for provident fund loans (currently 12 months).

17, 1 May 8, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that from September 15,1day, the down payment ratio for canceling the provident fund loan to buy a second house will be 20%.

Chinese name provident fund loan mbth provident fund loan conditions 6 loan processes 6 main processes approval procedures 7 procedures loan procedures 6 procedures advantages 3 advantages.

4. Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan paid by local housing provident fund management centers using the housing provident fund paid by employees who apply for provident fund loans and entrusting commercial banks to the depositors of housing provident fund who purchase, build, renovate or overhaul their own houses and the retired employees who pay the housing provident fund during their employment. According to the regulations, employees who have paid the housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha exceeding 12 months) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

What are the housing provident fund loan policies in Changsha?

In order to further prevent capital risks and guide the reasonable housing consumption of paid employees, Changsha Housing Provident Fund Management Center issued and officially implemented the new housing provident fund policy, giving priority to the people who just need it and ensuring the reasonable self-occupation demand of paid employees. Let's look at Changsha's housing provident fund loan policy.

First, Changsha housing provident fund loan policy

From February 20 1 9/day, when employees apply for housing provident fund loans, the normal deposit time limit of housing provident fund is changed from more than 6 months to more than 12 months. "The provident fund management center will strictly review the personal credit information of loan applicants and their spouses. If there are credit information records that are overdue for more than 6 consecutive periods, accumulated overdue for more than 24 periods (except for student loans) or other serious cases of dishonesty, Changsha Housing Provident Fund Management Center will not issue individual housing provident fund loans.

There have also been some changes in the policy of withdrawing housing provident fund. For example, employees' family members need to buy houses, build, rebuild and overhaul houses and repay the principal and interest of the above-mentioned housing loans when making deposits in non-registered places. The application for the withdrawal of housing provident fund will not be supported, and the withdrawal of major diseases for medical treatment outside the administrative area of Changsha and the withdrawal of major disasters outside the administrative area of Changsha will be suspended.

Two, Changsha housing provident fund loan amount

The amount of the provident fund loan is calculated with reference to the n multiple of the sum of the balance of the housing provident fund accounts of both husband and wife of the borrower, and the n multiple fluctuates between 12-20 multiple. If the personal loan rate is less than 75%, the loanable amount is 20 times of the balance of both husband and wife's accounts; If the personal loan rate is higher than 95%, the loanable amount is 12 times of the balance between husband and wife.

Conclusion: The new policy of Changsha housing provident fund loan is introduced, which mainly implements classified management and directional allocation to prevent funds from being used for other purposes, ensure the real use of loans, and ensure the safety of funds to a great extent. For more information, please keep an eye on Qijia. Com information platform.

Provident fund loans are not allowed to be repaid in several installments. What is the limit?

Provident fund loans are generally limited to two times.

Provident fund loans can be used to buy the first and second suites, while the third suite cannot use provident fund loans, which means that each family can only apply for loans twice.

Provident fund loans can only be loaned once at the same time, and the next loan can only be made after repayment.

Legal basis:

Article 26 of the Regulations on Housing Provident Fund

Workers who pay housing provident fund may apply for housing provident fund loans to the housing provident fund management center when purchasing, constructing, renovating or overhauling their own houses.

The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities.

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.

Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan that is paid by local housing provident fund management centers using the housing provident fund paid by employees who apply for provident fund loans, and entrusted by commercial banks to the housing provident fund depositors who purchase, build, renovate or overhaul their own houses and the retired employees who paid the housing provident fund during their employment. According to the regulations, employees who have paid the housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha exceeding 12 months) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

The loan conditions are: employees in the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, house property certificate, land use certificate, deposit certificate of provident fund, etc.

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. Persons participating in the housing provident fund system must also meet the following conditions before they can apply for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it indicates that his income is unstable and he is prone to risks after issuing loans.

3. If one spouse has applied for a housing provident fund loan, neither spouse may apply for a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.

Can housing provident fund loans only be used once?

You can borrow again after the loan is paid off.

Materials required for housing provident fund loans:

1. Household registration book of the borrower and his spouse;

2. Resident identity cards of borrowers and their spouses;

3. Proof of the marital status of the borrower;

4. Proof of down payment for house purchase;

5. The credit status report of the borrower and his spouse printed by the bank;

6. Housing sales contracts or agreements that meet the legal requirements.

Housing provident fund handling conditions:

1. Individuals and their units must pay the housing accumulation fund continuously for one year;

2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Housing accumulation fund handling process:

1. The lender prepares relevant materials, fills in the loan application at the bank and submits the materials;

2 loan banks should confirm and review the information after receiving the application;

3. After approval, the lending bank contacts the lender and signs relevant contracts;

4. When the bank lends money, the lender shall perform the repayment responsibility.