With the progress of the times, most owners will use provident fund loans when buying a house. However, the use of provident fund loans is not as simple as everyone thinks, and some conditions must be met. Let's take a look at the loan conditions of Shanghai provident fund first!
1. What are the loan terms of Shanghai Provident Fund?
1. It must be the purchase of self-occupied housing owned by Shanghai towns.
2. In the first 6 months of applying for a loan, the housing provident fund must be paid continuously and normally.
3. At present, the lender's family has no outstanding housing provident fund debt.
4. If you apply for a personal housing loan with pure provident fund, you can go to the business office of Shanghai Housing Property Guarantee Co., Ltd. ... If your provident fund balance is insufficient, you can entrust all business outlets of the bank to apply for a portfolio loan.
Second, what should I pay attention to when buying a house with a provident fund loan?
1. Prepare loan information.
Because the procedures for buying a house with provident fund loans are very complicated, in order to save the time for loan approval, we can prepare the required loan materials in advance. If you don't know what materials you need to prepare for buying a house with a provident fund loan, you can go to the local provident fund management center for consultation in person.
2. Understand the loan requirements
It is understood that not everyone can apply for provident fund loans to buy a house. Only when they have paid the provident fund in full and on time for one year, and the provident fund is still in the state of payment, are such employees eligible to apply. In addition, there are some differences in the loan term, loan amount and commercial loan of the provident fund, so the lender must know clearly in advance.
Editor's summary: The above introduces the conditions of Shanghai provident fund loan and the related contents that should be paid attention to when buying a house with provident fund loan, hoping to give you some little help. If you need to know more about the Shanghai Provident Fund loan, you can continue to pay attention to our website, and there will be more exciting and interesting content in the future!
How to borrow Shanghai provident fund loans?
Because the interest rate of provident fund loans is relatively low, many eligible borrowers will be more inclined to apply for provident fund loans. So how should I apply for a Shanghai provident fund loan? What is its procedure? Next, Bian Xiao will briefly introduce it to you.
1. The borrower applies to the provident fund acceptance outlets and submits relevant application materials; After acceptance by the acceptance outlets, review the materials submitted by the loan applicants, and submit the materials to the provident fund center for approval after approval; After the approval of the provident fund management center, the borrower will be informed of the audit results; The loan applicant signs a loan contract at the provident fund center and goes through the guarantee procedures; After the approval of the provident fund center, the loan will be allocated, and the entrusted bank will lend in full and on time according to the contract.
2. To apply for a Shanghai provident fund loan, you need to meet the relevant conditions. For example, the loan applicant is an employee who normally pays the provident fund, and the provident fund needs to be paid for at least half a year; The loan application must meet the requirements of the national and municipal real estate regulation and control policies; The borrower has a stable and legal source of economic income and the ability to repay the principal and interest; The loan applicant has paid collection funds, etc.
3. Shanghai provident fund loan amount is stipulated. Purchase the first house, the maximum personal loan amount is 500,000 yuan, and the additional loan amount can be increased by paying the supplementary provident fund of 6,543,800 yuan; The maximum family loan amount is 6,543,800 yuan, and those who pay supplementary provident fund can increase by 200,000 yuan. The loan amount of the provident fund is not higher than the multiple of the sum of the borrower and the borrower's account balance, the multiple of the stored balance of the loan amount is 30 times, and the multiple of the supplementary provident fund account balance is 10 times.
Bian Xiao concluded: Bian Xiao will give you a brief introduction on how to borrow the Shanghai Provident Fund loan. I hope that after reading this article, I can provide you with reference and help when applying for Shanghai provident fund loans in the future. If you have any questions about the provident fund loan, you can consult the local housing provident fund staff.
What is the telephone number of Shanghai Provident Fund Center?
The hotline of Shanghai Provident Fund is 12329.
12329 housing provident fund hotline provides manual voice service and self-service voice service. The artificial voice service is available from Monday to Saturday from 9:00- 17:00, and the service contents include business consultation, complaints and suggestions, and loan reservation for affordable housing. Self-service voice service is provided 24 hours a day from Monday to Sunday. The services include personal account information inquiry, loan qualification and quota inquiry, business guide (business handling process) inquiry, outlet inquiry, etc.
Precautions:
Personal provident fund account number and ID number must be entered at the same time when querying provident fund account information. You can directly ask the handling personnel of the provident fund deposit unit (including the original deposit unit) for your account information; You can also bring your ID card to the nearest provident fund management center, business outlets and China Construction Bank outlets with provident fund business. In addition, there is a provident fund account number on the annual balance sheet of individual provident fund.
What are the specific conditions of China Bank's Shanghai housing provident fund loan? Can you introduce me?
China Bank Shanghai Housing Provident Fund Loan Conditions:
1, in line with the conditions stipulated by the state and the city's real estate regulation and control policies;
2. Have full capacity for civil conduct;
3, has paid not less than the prescribed proportion of down payment funds;
4. At present, the housing provident fund has been paid in full and continuously for 6 months, and the agreement to withdraw the housing provident fund has not been terminated;
5. Have a good credit record and willingness to repay;
6. It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;
7 must be the owner of the owner-occupied house with ownership in this city and can provide relevant contracts or certificates, identity certificates and other materials that meet the requirements;
8. Being able to provide the guarantee method recognized by the Municipal Provident Fund Center;
9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee.
The above contents are for your reference. Please refer to the actual business regulations.
How much can Shanghai provident fund loan borrow?
If the provident fund loan business is handled in China Bank Shanghai Branch, the following individual housing provident fund loan policies will be implemented in this city from April 20 18/5, with the loan amount as follows:
1. Purchase the first house: the maximum amount of personal loan is 500,000 yuan, and the maximum amount of family loan is 1 10,000 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 600,000 yuan, and the maximum family loan amount is 654.38+0.2 million yuan.
2. Purchase an improved second set of ordinary commodity housing: refer to the policy of purchasing the first set of housing.
3. Purchase an improved second set of non-ordinary commodity housing: the maximum amount of personal loans is 400,000 yuan, and the maximum amount of family loans is 800,000 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 500,000 yuan, and the maximum family loan amount is 6,543,800 yuan.
* * * When applying for provident fund loan, the loan amount is calculated as follows:
1, which shall not be higher than the loan limit determined by multiple of the balance stored in the borrower's provident fund account;
2, shall not be higher than the loan limit determined by the proportion of the total housing price;
3. It shall not be higher than the loan limit determined according to the repayment ability, and its calculation formula is: the salary base for the borrower to calculate the monthly payment of housing provident fund × the specified ratio × 12 months× the loan period;
4, shall not be higher than the maximum loan amount.
Please consult the provident fund loan business outlets or the local provident fund management center for details.
The above contents are for your reference. Please refer to the actual business regulations.
So much for the introduction of Shanghai provident fund loan consultation.