On October 9th, 2065438+0414/KLOC-0, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund, which adjusted the conditions for handling loans, loan amount, fees for related projects and provisions on mutual recognition in different places. Huai' an will continue to pay attention to the latest news of Huai' an Provident Fund New Deal, and everyone can continue to pay attention.
New Deal on Changes in Loan Conditions (Implemented)
Before the current period: Before applying for provident fund loan, the borrower should continuously and normally deposit the housing provident fund 12 months in Huai 'an, where he works.
At present, the borrower has normally paid the housing provident fund for more than six months (inclusive) before applying for the provident fund loan.
Mutual recognition in different places: employees can apply for individual housing loans from the housing provident fund management center where they are registered with their domicile on the basis of the deposit certificate issued by the housing provident fund management center in their place of employment.
The content of the new policy has been formally implemented in Huai 'an. Details are as follows:
1, with permanent residence or valid residence status in this city;
2, with the purchase, construction, renovation, overhaul of owner-occupied housing certification materials;
3 have a stable economic income and the ability to repay the principal and interest of the loan on time, and have good personal credit;
4, with the purchase, construction, renovation, overhaul occupied housing to pay a certain proportion of its own funds;
5. Provide the guarantee recognized by the provident fund center;
6. Other conditions stipulated by laws and regulations.
Huaian Commercial Personal Housing Loan to Provident Fund Loan Business Guide
Loan materials
Commercial housing loan:
1. Resident identity cards of the borrower and his spouse;
2. The household registration book and marriage certificate of the borrower and his spouse;
3. Commercial housing sales contract;
4. Uniform invoices for the sale of real estate;
5, commercial housing sales contract filing certificate (pre-purchase commercial housing notice registration certificate);
6. Deed tax payment certificate.
Affordable housing loans:
1. Resident identity cards of the borrower and his spouse;
2. The household registration book and marriage certificate of the borrower and his spouse;
3, the purchase of affordable housing approval documents;
4, affordable housing purchase contract;
5. Down payment voucher or purchase invoice.
Second-hand housing loan:
1. Resident identity cards of the borrower and his spouse;
2. The household registration book and marriage certificate of the borrower and his spouse;
3. Housing sales contract;
4. Deed tax payment certificate;
5. Real estate license.
Loans for housing construction and repair:
1. Resident identity cards of the borrower and his spouse;
2. The household registration book and marriage certificate of the borrower and his spouse;
3, the construction project planning permit;
4. State-owned land use certificate;
5. Real estate license.
Loan process
1, loan application. The borrower submits the loan application to the provident fund center with the original and photocopy of the relevant loan certification materials.
2. Loan approval. The provident fund center shall make a decision on whether to approve the loan within 15 working days from the date of accepting the application, and notify the borrower; If a loan is granted, the undertaking bank shall be entrusted to handle the loan formalities.
3. sign the contract. The borrower signs a loan contract, guarantee contract and loan receipt with the undertaking bank, and goes through the formalities of comprehensive loan insurance or loan guarantee.
4. Mortgage registration. The borrower holds the loan contract, mortgage contract, resident ID card, household registration book and marriage certificate (unmarried or single certificate) to the real estate management department for mortgage registration. The mortgage registration fee and other related expenses shall be borne by the borrower.
5. Loan issuance. The undertaking bank transfers the borrower's loan funds in the way agreed in the loan contract.
Provisions on loan fees under the new policy (implemented)
Before the reform: the fees related to provident fund loans are mainly concentrated in 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.
Loan amount and interest rate
New Deal loan amount change (implemented)
Before the reform: if both borrowers and their spouses pay housing provident fund, the maximum loan amount is 500,000 yuan; If only one of the borrower and his spouse (including single or unmarried) pays the housing provident fund, the maximum loan amount is 300,000 yuan.
At present: if I use the housing provident fund to apply for provident fund loans, the maximum loan amount is 600,000 yuan; At the same time, if the spouse housing provident fund is used to apply for provident fund loans, the maximum loan amount is 800,000 yuan.
Loan amount:
The loan amount of housing provident fund is calculated and determined according to the borrower's housing provident fund deposit amount, housing price payable and actual loan repayment ability, according to the following limit standards:
1. The loan amount shall not exceed 15 times of the balance stored in the housing provident fund account when applying for the loan.
2. The loan amount shall not exceed 70% of the house price payable for the purchase, construction, renovation and overhaul of owner-occupied housing.
3, the loan amount shall not exceed the maximum amount stipulated by the municipal housing provident fund management committee. If both the borrower and his spouse have paid the housing provident fund, the maximum loan amount is 800,000 yuan; If only one of the borrower and his spouse (including single or unmarried) pays the housing provident fund, the maximum loan amount is 500,000 yuan.
Loan interest rate:
1. The loan interest rate of housing provident fund shall be implemented according to the interest rate standard stipulated by the Ministry of Housing and Urban-Rural Development and the People's Bank of China, and it is divided into five years (including less than five years) and more than five years. The specific interest rate standard is announced by the provident fund center in real time.
2. If the loan term is within one year (including one year), the contract interest rate shall be implemented. In case of loan interest rate adjustment, interest will not be calculated by stages.
3. If the loan term is more than one year and the loan interest rate is adjusted, the new interest rate regulation will be implemented from 65438+ 10/0/of the following year according to the interest rate grade of the corresponding term.
Loan repayment
Repayment method
The borrower shall choose one of the following repayment methods to repay the loan principal and interest according to the loan term and repayment ability. Once the repayment method is determined, it shall not be changed.
1. One-time repayment of principal and interest at maturity. If the loan term is less than one year (including one year), the borrower will repay the principal and interest at maturity, and the interest will be paid off together with the principal.
2. Equal repayment of principal and interest every month. If the loan term is more than one year, the borrower will repay the loan principal and interest in equal amount every month.
3. Monthly average capital repayment method. If the loan term is more than one year, the borrower will repay the loan principal in equal amount every month, and the loan interest will decrease with the principal month by month.
Repayment method
The borrower can repay the loan principal and interest on schedule through the following repayment methods:
1, entrusted deduction. The borrower opens a personal settlement account in the undertaking bank as a repayment account, and authorizes the undertaking bank to deduct the loan principal and interest from the repayment account on the monthly repayment date.
2. Counter repayment. The borrower shall repay the loan principal and interest at the handling outlet designated by the undertaking bank on any working day before the monthly repayment date, or directly repay the loan principal and interest by withdrawing the amount in the housing provident fund account from the provident fund center before the monthly repayment date.
3. Entrusted extraction. The borrower entrusts the provident fund center to transfer the housing provident fund directly from his or her spouse's housing provident fund account on a regular basis to repay the loan principal and interest.