1. The applicant and his unit have established a normal housing provident fund deposit relationship with the municipal housing provident fund management center or its subordinate management departments and sub-centers.
And timely and fully pay the housing provident fund 12 months or more;
2. Have a stable occupation and income, good credit, and the ability to repay the principal and interest on schedule;
3, with the city's urban permanent residence or valid residence status;
4. There is a formal purchase contract, and the borrower must be the property owner (or spouse) agreed in the purchase contract. In order to fully reflect the policy, sociality and mutual assistance of housing provident fund, parents or children who buy new houses can also apply for housing provident fund loans, and relevant supporting materials that can prove the relationship between father and son (mother and child) need to be provided;
5. There is a receipt or invoice for the down payment of the house, and the down payment of the house is not less than 30% of the total house price, and the last payment time is not more than 12 months from the loan application date;
6. Adequate mortgage and guarantee;
7. The applicant and spouse have no loans in the city center, nor have they provided guarantees for others' loans, and they have been entrusted by the loan applicant to check their personal credit records and have no bad records.
2. Under what circumstances will the loan not be accepted?
1. The borrower (including spouse) has made a loan in the provident fund management center or acted as a guarantor for others;
2. The borrower has paid the housing provident fund for less than one year;
3, has reached the statutory retirement age;
4, in the provident fund center loans, and apply for loans again within five years;
5. There is no formal purchase procedure, or the purchase time is more than one year;
6, authorized by the loan applicant, query the personal credit management system, there are bad records;
7, the unit unpaid housing provident fund for more than 6 months.
3. What guarantee methods can provident fund loan borrowers choose?
There are two ways to guarantee housing provident fund loans: one is housing mortgage loan, and the other is housing provident fund credit loan.
4. How many repayment methods are there for provident fund loans?
There are two ways at present. One way is for employees to use their personal passbook number as the repayment account number of provident fund when applying for loans, and the bank will uniformly withhold it when employees pay their wages every month. Second, employees who fail to withhold their wages by passbook can deposit cash into the loan account designated by the borrower at the local bank outlet before the 20th of each month.
Verb (abbreviation of verb) If the loan cannot be repaid in time, how will the loan be repaid?
If the borrower fails to repay the principal and interest of the loan within the time limit, the entrusted bank shall promptly collect it.
If the repayment method of matching principal and interest is overdue 1 month but less than 3 months, the entrusted bank shall find out the reason within one week and notify the borrower by phone or in writing to collect it;
Accumulated overdue for more than 3 months and less than 6 months, by the city center in conjunction with the entrusted bank joint collection, collection is still unable to automatically return all overdue principal and interest, by
The borrower's unit withholds the borrower's salary or the downtown directly deducts the loan principal and interest from the borrower's and his spouse's housing provident fund account until the borrower repays the loan principal and interest on schedule or fully pays off the loan principal and interest;
If the loan is overdue for more than 3 months in a row or accumulated for more than 6 months and the loan term is 1 year, the loan principal and interest owed cannot be repaid at maturity, and the loan cannot be repaid after collection. For the guarantee provided by the guarantee company, the loan will be deducted from the deposit account. For the guarantor, according to the relevant provisions of the signed contract, the bank is entrusted to file a lawsuit, and the litigation expenses are paid in advance by the city center and borne by the borrower.
Precautions:
For some people with low housing provident fund deposit ratio or relatively short working years, they can also make provident fund loans to increase the loan amount through the following two channels:
1. You can add * * * borrowers to increase the borrower's provident fund application amount;
2. Young workers who are new to work can provide proof of the relationship between parents and children, and parents can apply for housing provident fund loans;
(The above answers were published on 20 13-09- 18. Please refer to the current actual purchase policy. )
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