Housing provident fund personal housing loan is a housing consumption loan funded by housing provident fund and distributed to employees who pay housing provident fund for the purchase of self-occupied housing. Workers in this city who normally pay housing provident fund can purchase their own houses with ownership in the cities and towns of this city, and can apply for personal housing provident fund loans from the housing provident fund management center as collateral.
2. How to handle the personal loan of housing provident fund?
(1) loan consultation
Consultation place: loan business handling office of the municipal housing provident fund management center and individual housing provident fund loan undertaking bank;
Consultation content: loan conditions.
(2) Accepting applications
Accepting unit: housing provident fund loan business handling office;
Information provided by the borrower: household registration book, ID card, house purchase contract, pre-sale permit or real estate license of commercial housing, payment voucher of more than 30%, marriage certificate, commitment letter of property owner, and recent photo of husband and wife;
Step by step: the borrower fills in the application form, and the center checks whether the application form is complete.
(3) Approving loans
Examination and approval steps: After receiving the borrower's information in the preliminary examination of the application manager, the Center will organize the entrusted bank and the guarantee company to jointly conduct inspection, and the inspectors will put forward inspection opinions. The central loan review team examines and approves the loan amount and loan term, and the manager prepares and informs the borrower to sign relevant contracts (loan, mortgage, pledge and guarantee) and handle the housing mortgage;
Audit contents: identity check, authenticity of materials, loan amount, interest rate and term, authenticity, legality and validity of house sales contract, credit standing of seller, value and use of house.
(4) loan guarantee
Guarantor: the municipal housing property right guarantee company;
Steps: agree to guarantee → sign a guarantee contract → sign a guarantee contract with the bank → collect the guarantee service fee → issue a guarantee contract.
(5) granting loans
The entrusted bank assists the borrower to handle the real estate mortgage, and the center sets the date according to the Certificate of Other Rights, and issues the loan after checking with the contract and entrustment agreement. The entrusted bank shall notify the borrower to receive the loan receipt, repayment plan and repayment passbook.
3. Which houses can apply for individual housing provident fund loans?
(1) Purchase commercial houses developed by real estate enterprises;
(2) the purchase of public housing that has obtained housing property rights and can be sold according to regulations;
(3) buying a second-hand house;
4, personal housing provident fund loan period.
The loan period of individual housing provident fund is determined according to the actual situation of the borrower, and the loan period is equal to the loan period plus the borrower's age and does not exceed the borrower's statutory retirement age; Generally, the longest period shall not exceed 15 years.
Those who are close to retirement age, healthy and have a stable source of income can be extended by 5 years according to the national statutory retirement age, that is, 65 years for male employees and 55 years for female employees (60 years for national civil servants);
5. What is a personal housing portfolio loan?
When the amount of housing provident fund loans applied by individuals is not enough to pay for the funds needed for buying houses, the insufficient part will apply to the bank for commercial housing loans, referred to as individual housing portfolio loans.
6, provident fund loan object and conditions
(1) has a permanent residence in Weifang;
(2) The borrower and the employer have continuously paid the housing accumulation fund 1 year or more; And before applying for provident fund loans, units and individuals do not owe housing provident fund; Units that have not implemented the housing provident fund system shall register the housing provident fund, and their units and individuals shall pay the housing provident fund continuously for more than 2 years according to the current wage base, and pay it continuously within the loan period;
(3) It has a stable income source, can repay the loan principal and interest on schedule, and has a good reputation;
(4) There is a legal and effective procurement contract or agreement;
(5) Having collateral or pledge recognized by the Housing Provident Fund Management Center (hereinafter referred to as the Center);
(6) If an owner-occupied house applies for a second provident fund loan, the first provident fund loan must be paid off.
7. How to determine the loan amount?
Determine the loan amount by combining the following three conditions:
(1) 70% of the self-occupied house price purchased, and the old house cannot exceed 50% of the appraised house price;
(2) The accumulated contributions of both husband and wife to retirement are 2 times calculated according to the current level of housing provident fund contributions, but not more than 3 times for a single borrower (individual provident fund loan amount of employees = monthly contributions × 12× retirement years × 2);
(3) For loans with a term of less than 5 years, the monthly repayment amount shall not exceed 50% of the total monthly income of both husband and wife (excluding loans with a term of 1 year), and for loans with a term of more than 6 years, the monthly repayment amount shall not exceed 40% of the total monthly income of both husband and wife.
8. Repayment method of housing provident fund loan
(1) Matching principal and interest repayment method: the borrower pays the same amount every month.
Repay the loan principal and interest.
Loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment period
(1+ monthly interest rate) repayment period-1
(2) average capital repayment method: the borrower repays the principal in equal amount every month, and the loan interest decreases with the principal month by month.
Monthly repayment amount =
Credit principal amount
+(loan principal-accumulated repayment principal) × monthly interest rate
Number of repayment periods
9. Calculation of guarantee fee for housing provident fund loans To apply for provident fund loans, you need a guarantee company, with the guarantee rate of 10 years or less (including 10 years) and the annual interest rate of1.5 ‰; The annual interest rate of 10 is 2‰. Guarantee fee = loan term × loan amount × applicable interest rate
10, provident fund is handled in loans overdue.
Loans overdue shall be handled according to the provisions of the People's Bank of China on overdue penalty interest.
Current overdue penalty interest = monthly repayment amount ×0.02 1%× overdue days.