Detailed explanation of Changsha provident fund loan in different places and related problems
1. Which cities in Changsha can get loans? Is the interest on off-site loans the same?
Up to now, the cities that have mutual loan agreements with Changsha provident fund management base are Wuhan, Guangzhou, Shenzhen, Hefei, Nanchang and Guizhou. Except Guizhou, all the above six cities require Changsha as their domicile, and the loan policies are the same.
2. Can future generations get their parents' provident fund by buying a house with a commercial loan?
Mom and dad and their offspring's provident fund can't borrow from each other, nor can they borrow from each other.
3. How can the foreign provident fund be transferred to Changsha?
As long as the original company's provident fund account has been sealed and the new company has opened an account, it can request to handle it. First of all: bring your ID card to the new unit's provident fund base to open an acceptance letter, then log in to the housing provident fund official website to download four application forms, all of which require the official seal of the unit, and then bring the acceptance letter, application form and ID card to the housing provident fund handling department where the original unit paid the fees to go through the formalities.
4. A house in my name,136m2. Without a loan, can I buy another house with a provident fund loan? What's the down payment and interest rate?
Buying a house again belongs to the second suite, and the down payment of provident fund loan is 20%, and the interest rate is 10%. However, if the existing residential area under the family name (husband and wife) exceeds 144 square meters, you cannot ask for provident fund loans.
5. How long can I release the provident fund loan after the face-to-face signing, and where can I check the progress?
You can pay attention to the official account of WeChat WeChat "Changsha Provident Fund", and you can check the loan information only after clicking on my provident fund binding.
6. How can I get the provident fund when I leave my job?
The hukou is not local to Changsha, but may be a local rural hukou in Changsha. After the unit seals the provident fund account, it can receive it; If the hukou is a local urban hukou in Changsha, it is required that no new unit will pay Changsha's provident fund for you after two years of resignation. Resignation materials: with the confirmation of resignation and the official seal of the company, get the application for approval of provident fund, ID card and provident fund card (if there is no provident fund card, you can prepare a card from Hunan Construction Bank or Bank of Communications) and get it from the provident fund management department in the five districts of Changsha.
7. Can a couple get a loan if they have bad credit? Can you write your name?
The provident fund is based on the family, and there is a record that a single loan is overdue for 6 consecutive periods (inclusive); Or if the accumulated overdue period exceeds 24 (inclusive), the loan will not be granted.
8. Can prepayment be deducted directly from the provident fund without cash?
At present, the balance of the provident fund account cannot be directly used to offset the prepayment, and the prepayment can only be made after 12 months, and the extra amount is 12 months.
9. How to calculate the interest of the remaining outstanding loans when some loans are repaid in advance?
The demand for prepayment is 12 months. In the future, it can be divided into partial repayment and full settlement. In principle, the partial repayment shall not exceed 4 times, and the repayment amount for each time shall not be less than 50,000 yuan, not less than 20% of the remaining loan amount. If it is an urban loan, go directly to the handling department of Kaifu District to request it; If it is a county loan, go to the county loan handling department to apply. Both methods require a request from 1 to 14 every month. After partial prepayment, the remaining loan principal is calculated from zero according to the loan life.
10, registered in Changsha, bought the first suite with a commercial loan in Changsha, and now works in Shenzhen to pay the provident fund. Can I transfer to the Shenzhen provident fund loan?
Changsha household registration, the provident fund paid in Shenzhen can buy a house in Changsha, but it is temporarily not supported to use the provident fund in different places to convert commercial loans into provident fund loans.