Zhengzhou Housing Provident Fund Center Tel 037 1- 12329
I. Service hours
Automatic voice service: automatically controlled by the system and provided 24 hours a day. Customers can query provident fund information through self-service selection and voice prompts.
If you need to consult, you can leave a voice message and the staff will provide a return visit service during working hours.
Labor service: It consists of general seats and expert seats, at 9: 00 am-12: 00 am-17: 00 am on normal working days every month.
Second, apply for provident fund materials
Materials needed for new housing provident fund loans
Original and photocopy of the resident identity card and household registration book of the borrower and lender (* * * with the borrower and guarantor), and the repayment commitment letter of * * *.
Proof of marital status
Married to provide a copy of the "marriage certificate", other circumstances by the unit or the police station issued a certificate.
Legal commercial housing purchase contract or agreement
Personal credit certificate provided by the borrower and the borrower's unit.
Valid proof that the borrower has paid not less than 30% of the house purchase price.
Effective guarantee certificate
The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.
Materials needed for second-hand housing provident fund loans
Copy of the seller's resident identity card and household registration book.
Original and photocopy of real estate license
An assessment report issued by an assessment institution recognized by the provident fund management center.
Tripartite agreement between intermediary agencies recognized by provident fund management center and buyers and sellers.
The real estate transaction department at or above the district level shall carry out mortgage registration.
Third, warm tips
65438+ 0 to 28 normal working days per month, and the last working day of each month is for system maintenance, and no manual service is provided.
For other aspects of provident fund business, please click the link at the end of the article.
The above sources of information:
Zhengzhou housing fund management center
Is it reliable for Zhengzhou intermediary to handle business transfer?
dangerous
This really needs attention. Be careful. It is not recommended to find an intermediary to provide housing provident fund. In addition to charging a lot of money, it may also be suspected of breaking the law. The advantage of transferring commercial loans to provident fund loans is that the interest rate will be relatively low, which can save a lot of interest for users. However, there are also some shortcomings, mainly: 1. If the dealer repays the loan in advance after the transfer, there is no need to transfer the loan, which is not worthwhile; 2. The number of general provident fund loans is limited, and the interest rate of the first set is low, so it may be easy to run out of loan opportunities when the business is transferred to public. If it is converted into a provident fund loan during the repayment of commercial loans, it can save a lot of interest for users. Taking the five-year period as an example, the interest rate of provident fund loans is 3.25%. If it is a commercial loan, it is basically between 5% and 6% according to the LPR bonus model. Therefore, it can be clearly seen that the interest rate of provident fund loans is low. If the user's loan period is long and the amount is high, the cost savings of provident fund loans will be more.
First of all, there are many kinds of personal loans, which are only classified according to whether there is collateral or not, and are divided into mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of the two kinds of loans: 1, unsecured credit loan, which we call credit loan for short, is a pure credit loan issued by banks to individual customers based solely on the nature of the company, punch card wages, social security accumulation fund, etc. Of course, there will also be a concept of consumer loans. 2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage. Let's see how to operate a mortgage:
Valuation, according to the cost of the house, is evaluated by the appraisal agency, including the amount, interest rate, years, etc. You can probably calculate what you can borrow. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Lending and loan processing are over.
I still have two years to retire. Can I use the housing provident fund loan?
You can't use housing provident fund loans after two years of retirement, because the loan period of housing provident fund can cover five years after the borrower's statutory retirement age, and the mortgage is usually 10, 20 or 30 years, so people who are about to retire can't use housing provident fund loans.
Taking Zhengzhou Housing Provident Fund as an example, according to Item 3 of Article 4 of Notes on Housing Provident Fund Loans issued by Zhengzhou Housing Provident Fund Center:
1, with a maximum loan term of 30 years;
2. When buying a second-hand house that has not been built for more than 20 years, the longest loan period is 20 years, and when buying a second-hand house that has been built for more than 20 years. Maximum loan term 15 years;
3. The loan term can cover 5 years after the statutory retirement age of the borrower.
Extended data:
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.