The monthly repayment of the provident fund requires the lender to go to the provident fund hall with the purchase contract, ID card, loan contract and full purchase invoice.
It is necessary to sign a provident fund withdrawal agreement, and withdraw it monthly from the next month after handling it.
In the case of withdrawal, the loan amount of the current month must be deposited first, and then the provident fund account will transfer the balance of the provident fund to the loan account. If the balance of the provident fund account is insufficient, all of it will be transferred, and the part that is less than the repayment amount next month will be saved by itself.
2. What are the loan conditions and process of Jinan housing provident fund in 2023?
The housing provident fund management center stipulates that individuals or families need to provide relevant conditions to apply for housing provident fund loans when purchasing housing and using housing provident fund loans. What are the loan conditions of Jinan housing provident fund? What is the process? For applicants who have paid the housing provident fund 12 months in full and have the ability to repay the principal and interest, the down payment ratio is 20%-30% ... If you want to know more about the loan conditions and loan process of Jinan housing provident fund, please take a look with me.
The loan condition of Jinan housing provident fund is 1, and the applicant has paid the housing provident fund in full 12 months or more; 2. The applicant has full capacity for civil conduct; 3. Jinan permanent residence and valid residence status; 4. Have a stable income and good credit; 5. Have the ability to repay the principal and interest; 6. The purchased house is a legal property within the scope of Jinan; 7. The down payment ratio of house purchase shall not be less than 20%-30%; 8. The down payment ratio for purchasing the second suite shall not be less than 60%; 9. The purchase agrees to the guarantee method recognized by the housing provident fund management center; 10, the applicant has no housing provident fund loan balance; 1 1. It is forbidden for borrowers to buy third homes and use housing provident fund loans. Jinan housing provident fund loan materials 1. First-hand housing housing provident fund loan materials 1, Jinan housing provident fund management center individual housing loan application approval form; 2, the borrower and the borrower housing provident fund deposit details; 3. Resident ID card, household registration book, repayment commitment letter, mortgage consent commitment letter and guarantee letter of the borrower and the * * * borrower and guarantor; 4. Proof of marital status; 5. Commercial housing purchase contract; 6. Effective proof that the borrower has paid the house purchase price of not less than the specified proportion; 7. Personal credit certificates provided by the borrower, the borrower and the guarantor; 8. Proof of family property inquiry issued by the real estate management department; 9. Other materials required by the provident fund center from the borrower. 2. Application materials for second-hand housing provident fund loans 1. In addition to the above materials, the following materials are required: 1 Transaction property appraisal report issued by a real estate appraisal company recognized by the provident fund center; 2. The seller's ID card, and the property right certificate of the property that has not been transferred; 3 Jinan Stock House Sales Agreement; 4. Agreement on Custody of Trading Funds of Jinan Stock House; 5. Agreement on Custody of Trading Funds of Jinan Stock House; Bank account down payment certificate. Three, commercial loans housing provident fund loan application materials 1, a copy of the approval issued by the National Development and Reform Commission; 2, the real estate management department issued a copy of the "employee fund-raising housing review certificate". 3, approved by the management center, the management center and fund-raising housing units signed a "guarantee contract" or "agreement". Four. Affordable housing provident fund loan application materials 1, demolition and resettlement agreement; 2, commercial housing housing provident fund loans related materials; 3. Provide other properties as collateral for provident fund loans. 4. The original property value appraisal report issued by the real estate appraisal company recognized by the Provident Fund Center on the mortgaged property is in duplicate. 5. Other information required by the borrower shall be implemented in accordance with the regulations of the management center. Five, housing provident fund loan application materials 1, housing provident fund deposit certificate provided by the city housing provident fund management center at or above the prefecture level. 2. Proof of deposit of housing provident fund in different places and details of deposit in the last year. 3. Other information is the same as the normal housing provident fund loan. Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.
3. What is the loan process of Jinan Provident Fund?
(1) The owner of the mortgaged property who purchases the commercial house with the approval of the Housing Provident Fund Loan Flow Management Center applies to the bank and provides the loan materials; ② The bank accepts and conducts preliminary examination; ③ The management center reviews the loan materials; 4 approval; The center issues a notice of entrusted loan; ⑤ The loan contract is signed and issued; Apply for and provide loan materials for the loan process of purchasing second-hand housing provident fund; ② The bank accepts and conducts preliminary examination; 4 approval; And issue personal housing provident fund loans; ⑤ The bank returns the entrusted loan notice issued by the center; 9 (3) Loan Process of Raising Funds for Building Housing Provident Fund ① Unit ② After the center signed an agreement with the unit, the borrower provided the loan materials to the handling bank for review ⑤ The loan materials passed the review, and the center issued a notice of entrusted loan ⑤ signed a loan contract and issued housing provident fund loans. (4) Loan process for purchasing housing provident fund for shantytown renovation: ① The borrower applies to the bank and provides loan materials; ② The bank accepts and conducts preliminary examination; ③ The management center reviews the loan materials; (4) the loan materials are approved; The center issues a notice of entrusted loan; ⑤ Sign loan contracts and issue housing provident fund loans.
4. What is the loan process of Jinan Provident Fund?
1. Borrower prepares application materials: Please prepare the following paper materials to apply for housing provident fund loan:
(1) The original and photocopy of the resident ID card, household registration book and marital status certificate of the borrower, the repayment person and the guarantor;
(2) * * * has a repayment commitment or guarantee;
(3) Legal commercial housing purchase contract or agreement;
(4) Personal credit certificate
(5) The borrower has delivered valid evidence in a specified proportion;
(six) individual housing provident fund loan approval form
(seven) other materials required by the housing provident fund management center.
2. Apply to the bank and sign in person, and the bank will conduct the preliminary examination:
Applicants are requested to send the fully prepared loan application materials to the entrusted bank for provident fund loans and make a face-to-face signing, and then the bank will conduct a preliminary examination according to regulations.
Description of processing time limit: after the loan applicant submits the loan materials, the preliminary examination time of each handling bank shall not exceed 3 working days.
3. The management center approves and allocates funds.
After receiving the application materials submitted by the bank, the management center will review them. After approval, the center will issue a notice of entrusted loan and transfer the funds to the bank.
Description of processing time limit: the time for the management center to review and allocate entrusted loan funds shall not exceed 4 working days.
Management center loan consultation telephone: 053 1-8 1959399.
4. Entrust the bank to issue loans
Banks and borrowers issue loans after signing loan contracts and mortgage contracts.
Description of processing time limit: after approval by the management center, the time for each handling bank to sign loan contracts and mortgage contracts with customers shall not exceed 3 working days.
Provident fund loans changed from four to four.
According to the relevant person in charge of Jinan Housing Provident Fund Management Center, the provident fund policy introduced this time is formulated according to the national regulatory policies and relevant policies of Jinan, which is of positive significance for cracking down on real estate speculation with provident fund loans.
This policy adjustment mainly focuses on four aspects, and other aspects have not changed.
"Four Great Changes" of the New Deal
Down payment: from 20% to 30%
Amount: If you have outstanding commercial loans, you should "offset" the same amount of provident fund loans. The determination of the balance of commercial loans shall be verified by the lending bank through the credit information system of the People's Bank of China.
Foreigners buying houses: people inside and outside the province apply for provident fund loans when buying houses in Jinan, and the new down payment ratio is not less than 50%.
Repayment: single employees and other personnel, one item with repayment can be added, and the loan amount can be calculated together. Before the loan is paid off, the same payer may not apply for a housing provident fund loan. "Four Invariants" of Provident Fund Loans
Loan life: The longest loan life is still 30 years. The repayment age is 65 for men and 60 for women.
Application conditions: employees who have paid the provident fund in full for more than 6 months can use the provident fund loan. Employees can apply as long as they have no outstanding provident fund loans.
The relevant person in charge of Jinan Housing Provident Fund Management Center said that the interest rate is stipulated by the state, so this adjustment does not involve interest rates.