Matters needing attention in filling in the personal application form of the provident fund loan certificate form are as follows: 1. Application conditions 1. Applicants must purchase self-occupied housing in our city and be the owner or owner of the purchased housing. 2, the applicant must be normal and full deposit housing provident fund for more than six months. 3. The applicant and spouse have no outstanding housing provident fund loans. (including the deposit place of housing provident fund) 4. Provide the guarantee procedures approved by the municipal housing provident fund management center. 5. Meet other conditions for housing provident fund loans. 2. Application materials 1, Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans issued by the Provident Fund Center of the deposit place; 2. The deposit details or list of employee housing provident fund in the last 12 months issued by the deposit provident fund center; 3, deposit, household registration, housing management departments issued by the family members of workers (including minor children) property rounds. III. Handling Process 1, Consultation Form. Loan applicants can consult and obtain the deposit certificate of housing provident fund at our housing provident fund business outlets, or download it from our housing provident fund website. 2. Issue certificates. The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit. 3. Verify the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center shall verify the deposit of housing provident fund in different places by telephone, fax and online inquiry. 4. Open an account. Loan applicants and other employees who need to participate in the quota calculation shall go to the business outlets of the housing provident fund management center of our city to handle the account opening procedures for the deposit households of employees with loans from different places with the proof of housing provident fund deposit. 5. Apply for a loan. The specific procedures are the same as the normal application procedures for housing provident fund loans. (During the teller's internal operation, the occupation of employees who have paid housing provident fund in different places should be entered into the column of the applicant's occupation in the borrower's data table in the system. ) 4. The maximum loan amount, loan interest rate and term can reach 654.38+0 million, and the loan interest rate is subject to the regulations of the People's Bank of China. If the legal interest rate is adjusted during the loan period, it will not be adjusted if the loan term is within one year (inclusive); If it is more than one year, the new interest rate regulations will be implemented according to the corresponding interest rate grades from 1 of the following year. Loan Term The loan term shall not exceed 30 years, and in principle shall not exceed the remaining years from the statutory retirement age. However, employees whose remaining years from the statutory retirement age are less than 65,438+00 years may be extended to five years after the statutory retirement age upon their own application.
How to handle Xi housing provident fund loan in different places?
It is a good idea to buy a house with a provident fund loan, but can I apply for a house in a different place? The policy requirements of provident fund loans in various places are relatively loose, and it is also possible to buy a house with provident fund loans in different places. Here, we will introduce the situation of Xi housing provident fund loans in different places.
Xi. Instructions for handling loans in different places.
First, the object of housing provident fund loans in different places in the province
Buying self-occupied ordinary housing in Xi urban area and depositing employees in Shaanxi non-Xi housing provident fund management center meet the application conditions of housing provident fund loans in our city.
Xi Housing Provident Fund Management Center deposits employees to buy houses in other cities in Shaanxi Province and apply for loans in the place where they buy houses, which shall be implemented in accordance with the policy of housing provident fund loans in different places.
Second, the application conditions
The borrower shall meet the following conditions when applying for a loan:
(a) paid workers in Shaanxi province, in the administrative area of xi to buy self-occupied ordinary housing, with local accounts, working in different places in the province can apply for housing provident fund loans in different places; Non-local hukou, you must provide relevant proof that you or your spouse are working or studying in the local area;
(2) The borrower has continuously paid the housing provident fund in full for more than 6 months (inclusive) at the place where the housing provident fund was paid, and the account status is normal;
(3) The paid employees have stable economic income and good credit, and have the ability to repay the principal and interest of loans and full capacity for civil conduct;
(4) The borrower's credit report has no record of loan default for three consecutive months or accumulated six months in the past five years, and the borrower and spouse have no outstanding housing provident fund loans (including the place where the housing provident fund is paid);
(5) Agree to the relevant loan regulations of Xi Housing Provident Fund Management Center.
Three. Materials required for application
(1) Materials to be provided by employees from other places to purchase houses with loans from other places in Xi:
1. Application form for off-site loan of housing provident fund authorized by the housing provident fund management center of the deposit place;
2, deposit housing provident fund management center issued the "employee housing provident fund deposit and loan certificate";
3. Resident identity cards of borrowers and their spouses;
4. The household registration book of the borrower and his spouse;
5. Proof of the marital status of the borrower;
6, the borrower and his spouse's income certificate;
7. The credit status report of the borrower and his spouse printed by the bank;
8. Proof of down payment for house purchase;
9, in accordance with the law of housing sales contracts or agreements;
10, other materials required by Xi Housing Provident Fund Management Center.
(two) the materials that need to be provided when the local deposit workers purchase houses in other cities and apply for loans from different places to open the "Employee Housing Provident Fund Deposit and Loan Certificate (Purchase Houses in Different Places)":
1. Fill in the application form for housing provident fund loans in different places;
2. The original ID card and marriage certificate of both husband and wife;
3. Commercial housing sales contract or down payment order.
Four, the province off-site loan processing flow
(1) loan application. The borrower shall submit the loan application materials to the entrusted bank of the Xi Housing Provident Fund Management Center where the house is purchased according to the requirements of Item 3 of the Instruction.
(2) Acceptance and approval of loans. After receiving the loan information, the center will make a decision on whether to grant the loan within 15 working days, and notify the borrower and the housing provident fund management center of the deposit place; If the loan is granted, the entrusted bank shall notify the borrower to handle the relevant formalities.
(3) borrowing. After the loan contract and the house mortgage contract come into effect, the loan bank will transfer the loan funds into the account opened by the selling unit (person) according to the time specified in the loan contract.
Mutual recognition and transfer in different places, promote the loan business in different places, that is, employees can apply for housing provident fund personal housing loans to the housing provident fund management center where their household registration is located with the deposit certificate issued by the housing provident fund management center in their place of employment.
It should be reminded that the policies of provident fund loans vary from place to place. If you want to know about the provident fund loan policy outside Xi, I suggest you consult the local housing provident fund management center.
What materials need to be submitted for off-site provident fund loans?
1. First, you need to prepare an application form for housing provident fund loans in different places, which can be downloaded from official website Provident Fund Center.
2. Secondly, it is necessary to apply for the certificate of deposit and use of the housing provident fund for loaned employees and the details of the deposit in the past 6 months in the city where the provident fund is deposited. You can do it at the local provident fund center.
3. Then prepare the original and copy of the ID card and household registration book of yourself and your spouse. No marriage certificate, no spouse information.
4. Prepare my proof of marital status (marriage certificate, divorce certificate, etc.). ) and prepare an unmarried statement for unmarried people.
5. Proof of the number of housing units must be issued in both the city where the provident fund is paid and the city where the loan is made. If it is not, it can be issued in the Housing Authority.
6. Then, prepare the purchase contract and its photocopy, and the original and photocopy of the down payment receipt of not less than 20% of the total house price.
7. Finally, the bank needs some information, including bank flow, personal credit certificate, income certificate and so on. There may be other requirements in some places, and you can consult the loan city provident fund center.
If you and your spouse have the following situations, the provident fund loan may shut you out:
1. There are provident fund loans or commercial loans being repaid.
_ _ There is no doubt about this. The primary demand for provident fund loans is to ensure that they are just needed. For those who still buy a second home, provident fund loans are unpopular. Some cities only review provident fund loans, but popular cities will basically review both provident fund loans and commercial loans. If any loan is not paid off, buyers will not be able to apply for provident fund loans.
2. Personal credit is flawed.
_ _ This is what I mentioned above. For friends who have already bought a house, this will basically be verified before buying a house, but for many white people who just need to buy a house for the first time, they often forget to check their credit information before signing a contract and paying a deposit. If this situation leads to breach of contract, the responsibility lies with the buyers and the deposit cannot be recovered.
3. Payment of housing accumulation fund.
_ _ For popular cities, the payment of provident fund is also very fatal. Some cities have paid the provident fund for five consecutive years, while others have paid the provident fund for two or three consecutive years. If you plan to change jobs, the social security provident fund in the middle must be well connected.
4. Overdue repayment
_ _ Although the cost of provident fund loans is low, repayment on time cannot be sloppy. For those who can't repay on time, they can apply for provident fund loans normally after eliminating the impact.
5, there have been illegal withdrawal of provident fund behavior.
_ _ Forgery of information to extract provident fund will be punished if it is screened out. For example, the new regulations issued by Shanghai in February 10:
_ _ ① The frequency of withdrawing provident fund in the name of buying a house is obviously abnormal;
_ _ ② The value of the house is close to the balance of the provident fund account or the withdrawal amount, and the unit price is obviously low;
_ _ (3) The area of the house exceeds the regulations and the use deviates;
_ _ ④ The transaction of the target house is abnormal;
_ _ (5) Forging application materials;
_ _ ⑥ Other circumstances.
_ _ If violations are found, a fine of 10%-50% of the proceeds will be imposed. This violation will also be recorded in the credit report. It will take several years to eliminate the influence. Although other cities are not so strict, they are not allowed to falsify materials or withdraw the provident fund for reasons.
_ _ In addition, the use of provident fund loans needs to pay attention to the area problem. For example, in Beijing, even if the loan for the first suite has been settled, the loan amount for buying the second suite is limited to 800,000, instead of 6.5438+0.2 million for the first suite.
This is the end of the application form and the introduction of the loan information of off-site provident fund. I wonder if you found the information you need from it?