loan
Loan terms:
(1) The borrower's unit must continuously pay the housing accumulation fund for employees 12 months or more;
(2) The borrower must purchase a self-occupied house with a purchase contract, and the signing time is within two years; The down payment for house purchase is more than 30% of the total house price, and the down payment for second-hand house is more than 40% of the total house price.
Provide information:
(1) 1 3 copies of the borrower's ID card and the spouse's ID card (copies of the front and back of the new ID card are required);
(2) If the date of birth of the marriage certificate is inconsistent with the ID number of the household registration book (household registration certificate) of the borrower and spouse, the marriage certificate issued by the unit or the Civil Affairs Bureau shall be provided. (1 original and 3 copies);
(3) If the borrower is unmarried, provide the unmarried certificate (1 original and 2 copies);
If the borrower is divorced/widowed, provide single certificate and divorce certificate (or divorce agreement) (1 original, 3 copies);
(4) Commercial housing purchase contract (1 original, 2 copies) and purchase advance payment receipt (1 original, 3 copies).
Information to be provided for the purchase of second-hand housing loans:
(1) Borrower's and spouse's ID cards (1 original and 3 copies respectively) shall be provided with the front and back copies of the new generation ID cards;
(2) If the date of birth of the marriage certificate is inconsistent with the ID number of the household registration book (household registration certificate) of the borrower and spouse, the marriage certificate issued by the unit or the Civil Affairs Bureau shall be provided. (1 original and 3 copies);
(3) If the borrower is unmarried, provide the unmarried certificate (1 original and 2 copies);
(4) If the borrower is divorced/widowed, provide single certificate and divorce certificate (1 original and 3 copies);
(5) House Purchase and Sale Agreement (1 original and 2 copies);
(6) Purchase prepayment receipt (1 original, 3 copies);
(7) Property Ownership Certificate (1 original, 3 copies);
(8) Deed tax invoice (1 original, 3 copies);
(9) Application Form for Housing Ownership Registration (5 copies) (3 copies).
Approval and processing procedures:
(1) The borrower takes the house purchase contract, down payment receipt and housing provident fund deposit certificate to the business hall of the handling bank to accept and receive the application for housing provident fund loan approval information;
(2) After the preliminary examination, the handling bank will send the borrower's application materials to the guarantee company to investigate the authenticity and risk of the house purchase, and the guarantee company will report it to the provident fund management center for approval after investigation;
(3) After the payment is approved, the handling bank informs the borrower to sign a loan contract with the bank and handle the guarantee and real estate mortgage procedures with the guarantee company;
(4) After all formalities are completed, the handling bank will issue loans to the borrower.
repay
If the loan term is 1 year, it will be repaid in one lump sum at maturity; If the loan term exceeds 1 year, the repayment method of equal principal and interest on a monthly basis shall be adopted. The lender shall ensure that the amount deposited in the repayment passbook in the first month is greater than the monthly repayment amount.
Knowledge of provident fund loan
● Conditions for handling housing provident fund loans:
1. Before the loan, the borrower's unit must continuously pay the housing accumulation fund for the employees 12 months or more;
2. The borrower must purchase owner-occupied housing; There is a house purchase contract, and the signing time is within two years; The down payment for house purchase is more than 20% of the total house price, and the down payment for second-hand house is more than 30% of the total house price.
● Loan amount and term interest rate of housing provident fund:
The maximum loan amount is 250,000 yuan and the longest loan period is 25 years. The loan interest rate is subject to the provident fund loan interest rate announced by the People's Bank of China. If the statutory interest rate is adjusted and the loan term is less than 1 year, the loan interest rate will not be adjusted; If the loan term exceeds 1 year, the new interest rate regulations shall be implemented according to the corresponding grades from 1 of the following year. At present, the annual interest rate for five years or less is 3.33%; For more than five years, the annual interest rate is 3.87%.
● Information required for purchasing commercial housing:
1, 1 3 originals and copies of the ID cards of the borrower and spouse (copies of the front and back of the new generation ID cards are required);
2. If the marriage certificate and household registration book (household registration certificate) of the borrower and spouse are inconsistent with the ID card, provide the marriage certificate issued by the unit or the Civil Affairs Bureau. (1 original and 3 copies);
3. If the borrower is unmarried, provide the unmarried certificate (1 original and 2 copies);
4. If the borrower is divorced/widowed, provide single certificate and divorce certificate (or divorce agreement) (1 original, 3 copies);
5. Commercial housing purchase contract (1 original, 2 copies);
6. Purchase advance payment receipt (1 original and 3 copies).
● Information required for purchasing second-hand housing loans:
1. ID card of borrower and spouse (1 original and 3 copies). Require a copy of the front and back of the new generation ID card;
2. If the marriage certificate and household registration book (household registration certificate) of the borrower and spouse are inconsistent with the ID card, provide the marriage certificate issued by the unit or the Civil Affairs Bureau. (1 original and 3 copies);
3. If the borrower is unmarried, provide proof of unmarried (1 original and 2 copies);
4. If the borrower is divorced/widowed, provide single certificate and divorce certificate (1 original and 3 copies);
5. House Purchase and Sales Agreement (1 original and 2 copies);
6. Purchase advance payment receipt (1 original and 3 copies);
7. Property ownership certificate (1 original and 3 copies);
8. Deed tax invoice (1 original, 3 copies);
9, housing ownership registration application form (5 copies) (3 copies).
● Loan approval and processing procedures:
1. The borrower goes to the business hall of the handling bank to accept the application for housing provident fund loan with the purchase contract, down payment receipt and housing provident fund deposit certificate.
2. After the preliminary examination, the handling bank will send the borrower's application materials to the guarantee company to investigate the authenticity and risk of the house purchase, and the guarantee company will report it to the provident fund management center for approval after investigation.
3. After the payment is approved, the handling bank will notify the borrower to sign a loan contract with the bank, and handle the guarantee and real estate mortgage formalities with the guarantee company.
4. After all formalities are completed, the handling bank will issue the loan to the borrower.
● Loan guarantee method:
A legally established house property right guarantee company provides loan guarantee for the borrower, and the borrower provides mortgage with his or a third party's legal house and pays the guarantee service fee.
● Loan repayment method:
If the loan term is 1 year, it will be repaid in one lump sum at maturity; If the loan term exceeds 1 year, the repayment method of equal principal and interest on a monthly basis shall be adopted. The lender shall ensure that the amount deposited in the repayment passbook in the first month is greater than the monthly repayment amount.
● Payment items and standards of loans:
1, guarantee service fee = loan amount × years × rate (1- 1.5 ‰, 00 years, 1-20 years, 2 1 0 ‰, 0.35‰ over 0 years, calculated by sections.
2. Mortgage registration fee = former 230 yuan (charged by real estate exchange);
3. Housing appraisal fee = housing appraisal price ×5‰ (charged according to real estate appraisal).