Of course.

1, housing provident fund loans are granted to employees who have paid the housing provident fund in full for more than six months and have full civil capacity.

2. Citizens with valid identification.

3, the purchase of commercial housing, second-hand housing, housing units, etc. A down payment certificate should be issued and a house purchase contract should be signed; The down payment ratio for the purchase of houses below 90 square meters is not less than 20%, and the down payment ratio for houses above 90 square meters is not less than 30%.

4, with a stable economic income and the ability to repay the loan principal and interest on schedule. The loan period shall not exceed the statutory retirement age.

5. If the house property right certificate has been obtained, the house property right certificate and deed tax payment certificate shall be issued within one year from the date of applying for the loan.

6. The Lender agrees to use the assets specified in the Civil Law as mortgage or pledge.

7. Lenders who take the form of guarantee shall have more than two natural persons with stable income and good reputation who pay the housing provident fund normally according to the regulations to bear joint and several liability for guarantee. If the husband and wife normally deposit the housing provident fund, they shall provide a natural person with stable income as a guarantee; Those who have provided housing provident fund loan guarantees for others must apply for loans by way of real estate mortgage.

Loan materials

1, personal housing provident fund loan application form;

2. Valid identification certificates such as ID card and military officer's card, and valid residence certificates such as residence booklet and temporary residence permit;

3. Proof of marital status;

4. According to different loan situations, the following corresponding materials are required to provide the loan process.

1, employees provide important documents.

2, management center audit

Step 3 sign a contract

4. Apply for loan guarantee mortgage

5. The entrusted bank issues loans.

Before the reform of new policy loan fees (implementation): the fees related to provident fund loans mainly focus on evaluation fees and guarantee service fees. It is understood that these intermediate costs generally account for 3‰~ 4‰ of the total provident fund loans, and the highest can reach 8‰. At present, many expenses such as loan insurance, notarization and evaluation have been cancelled in the process of applying for provident fund loans.

Changes in loan amount and interest rate (implemented) Before the reform, the maximum loan amount of Zhoukou housing provident fund was 400,000 yuan. At present, the loan amount of housing provident fund has increased from 400,000 yuan to 450,000 yuan.

Loan amount:

1. The loan amount of housing provident fund is increased from 400,000 yuan to 450,000 yuan.

2. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan may not be less than 20%;

3. If the construction area of Xing Tao is more than 90 square meters, the down payment ratio of the loan may not be less than 30%;

4. Employees who own 1 apartment and have settled the corresponding housing loans and apply for housing provident fund loans again to improve their living conditions will be regarded as the first suite, and the policy of floating the original loan interest rate by 10% will be cancelled;

Loan interest rate:

Repayment method of equal principal and interest repayment: add up the total principal and interest of the mortgage loan, and then share it equally every month during the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.

Average capital repayment method: the lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.

2. What are the requirements for housing provident fund loans in Henan Province? Is there a time limit for the payment of housing provident fund?

loan limit

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants.

Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price;

Housing provident fund loan amount formula:

Sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (longest loanable term).

If the deposit ratio between husband and wife is inconsistent, the actual deposit ratio shall be determined according to the higher ratio.

Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse.

When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).

Edit this paragraph

Letter of credit clause

Most of them have customized the relevant housing provident fund loan conditions, and the requirements of each city are roughly the same. Take Chengdu as an example:

1, employees with permanent residence or valid residence identification within the administrative area of Chengdu;

2. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan;

3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;

4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;

5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor;

6, other conditions stipulated by the provident fund center.

Provident Fund loan process

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(six) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

3. What are the conditions for housing provident fund loans in Henan Province? Payment of housing accumulation fund ...

Housing provident fund must be an individual to buy a house. You can't use your dad's provident fund to repay the loan on the house you borrowed, unless the house is your dad's property right, and you can use your dad's name to withdraw the provident fund. The balance of the extractable housing provident fund account that meets the following conditions (1) purchasing, building, renovating or overhauling self-owned housing; (2) retirement; (three) completely lost the ability to work, mostly lost the ability to work or severely disabled, and terminated the labor relationship with the unit; (four) to settle in foreign countries, Hong Kong, Macao and Taiwan; (five) to repay the principal and interest of housing loans; (six) the economic rental housing rent that is included in the minimum living guarantee for urban residents in this Municipality and pays rent or government rent subsidies; (7) Employees who receive unemployment insurance benefits and are transferred to centralized sealed households for two years have not been re-employed, whose registered permanent residence has moved out of this city, and whose non-registered permanent residence has left this city, and who have died or been declared dead during their employment, and who have been sentenced to punishment during their employment and terminated their labor relations with their units.