Yes, this situation belongs to the accumulation fund in different places, and the loan in different places should be handled according to the following procedures:
The loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for the loan at one time.
The employee himself or his/her client applies to the deposit city provident fund center, and the deposit city provident fund center verifies that the deposit employee personal housing provident fund loan or the deposit employee housing loan has been settled according to the employee's application, and issues the deposit employee housing provident fund loan in different places.
After accepting the employee's application for loan from different places, the loan city provident fund center shall submit the authenticity and completeness of the deposit and use certificate information to the employee's housing provident fund. Verify the correct nuclear examination and approval procedures, and feedback the results to the Municipal Finance Center to identify employees' off-site loans, and establish a detailed ledger of employees' off-site loans.
During the loan repayment period, if the individual account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other designated loan employee provident fund account balance for repayment.
2.20 19 what is the interest rate of Shaoguan loan?
Within one year (including one year) 4.35%
Second, medium and long-term loans
One to five years (including five years) 4.75%
More than five years, 4.90%
Three, personal housing provident fund loans
Less than five years (including five years) 2.75%
More than five years, 3.25%
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3. Shaoguan, Guangdong: The minimum down payment ratio for purchasing a house with provident fund loans is 20%.
On July 22nd, Shaoguan City Housing Provident Fund Management Center of Guangdong Province informed that for those who meet the conditions of housing provident fund loans, there is no restriction on the place where buyers pay the provident fund and the area of the purchased property, and the minimum down payment ratio is 20%.
According to the requirements, the loan target is the housing provident fund depositor who has paid the housing provident fund in full for 6 months and purchased the house in the administrative area of Shaoguan City.
At present, the maximum loan amount of Shaoguan provident fund loan is 300,000 yuan for a single person and 500,000 yuan for two or more people (inclusive). The specific loan amount is determined according to the borrower's purchase situation, repayment ability, balance of provident fund account and credit status.
On June 20th this year, the Office of Shaoguan Municipal People's Government issued the Notice on Several Opinions on Promoting the Stable and Healthy Development of the Real Estate Market. The notice mentioned that financial institutions should implement the "Resolution on Self-discipline Mechanism of Market Interest Rate Pricing in Guangdong Province" on adjusting the minimum down payment ratio of commercial personal housing loans in Shaoguan, and adjust the minimum down payment ratio to 20% for households purchasing commercial personal housing loans for the first time. At the same time, reasonably determine the interest rate of individual housing loans, effectively reduce the burden of individual housing consumption, and meet the reasonable housing needs of local property buyers.
For talents such as "Danxia Cai Ying" and "high-level talents" who use housing provident fund loans to buy houses in Shaoguan City, within the maximum amount of talent loans, the multiple of the amount of housing provident fund loans and the balance of the provident fund account shall be executed at 25 times.
In addition, by June 5438+February 3 1 2022, if Guangdong-Hong Kong-Macao Greater Bay Area registered population and non-Guangdong-Hong Kong-Macao Greater Bay Area registered population signed commercial housing sales contracts with real estate development enterprises in the main urban area of Shaoguan City (Zhenjiang District and Wujiang District) to purchase new commercial housing and underground parking spaces, the beneficiary financial department has paid 70% of the deed tax to Guangdong-Hong Kong-Macao Greater Bay Area registered buyers, while non-Guangdong-Hong Kong-Macao Greater Bay Area registered buyers have paid the deed tax. If the same purchaser purchases multiple sets of new commercial housing, the subsidy will be cashed in sets.
At the same time, relax the conditions for admission to the nearest school. By June 5438+February 3, 20221,residents who have purchased newly-built commercial housing and second-hand housing in the main urban area of Shaoguan City (Zhenjiang District and Wujiang District) can apply to the education department where the property is located for the degree of public school in the compulsory education stage in the autumn of that year with the commercial housing sales contract and file search certificate.
4. Can I pay 20% of the mortgage?
The mortgage of 200,000 yuan will be paid off in 20 years, calculated at the current benchmark interest rate of 6.60%:
Total repayment: 360,706.6 yuan
Interest paid: 160706.6 yuan.
Average monthly repayment: 1502.94 yuan.