Xi 'an: What should the housing provident fund loan bank do?

The 15 banks are: Industrial and Commercial Bank, China Construction Bank, Agricultural Bank, Bank of China, Bank of Communications, Commercial Bank, China CITIC Bank, Shanghai Pudong Development Bank, Industrial Bank, Minsheng Bank, China Everbright Bank, Huaxia Bank, China Merchants Bank, Zheshang Bank and Bank of Beijing. What about Xi's housing provident fund loan? With such questions, Dabao and Bauer came to Xi 'an Sub-branch of China Minsheng Bank today, and asked Mr. Liu Shi from the personal loan management department of the retail bank to give a detailed introduction to provident fund loans and other issues. Liu Shi, the personal loan management department of retail bank of Xi 'an Sub-branch of Minsheng Bank, learned that the Xi 'an Sub-branch of the above-mentioned 15 bank has housing provident fund counters, which are only handled by branch outlets, but the branch outlets of the bank do not provide this service. 1. Object and conditions of housing provident fund loan: 1, with permanent residence or valid residence status in Xi; 2. Have a stable professional and economic income and be able to repay the loan principal and interest on time; 3 units and individuals can pay the housing provident fund in full and on time (generally, it is required to pay the housing provident fund for more than one year or the unit has established the housing provident fund system for more than two years); 4, the purchase of all property occupied housing and has paid a down payment of not less than the prescribed proportion; 5. Agree to use the purchased real estate or securities recognized by the entrusted bank as loan collateral or a unit with sufficient compensatory capacity as guarantor; 6, with real estate mortgage, should comply with the relevant provisions of the real estate mortgage management. Two. Handling process of housing accumulation fund. Materials to be submitted for housing accumulation fund. Loan amount and term: ordinary commodity housing and affordable housing: the loan amount with a construction area of more than 90 square meters shall not exceed 70% of the total contract price of the purchased housing; The loan amount with a construction area of 90 square meters or less shall not exceed 80% of the total contract price of the purchased house. Raising funds to build houses (housing reform houses): the loan amount with a building area of more than 90 square meters in Xing Tao shall not exceed 90% of the total contract price of the houses purchased; The loan amount with a construction area of 90 square meters or less in Xing Tao shall not exceed 90% of the total contract price of the purchased house.