The Beijing News (Reporter Xu Qian) On March 4, Nanchang Housing Provident Fund Management Center of Jiangxi Province issued the Notice on Optimizing the Use Policy of Housing Provident Fund (hereinafter referred to as the Notice), which increased the maximum amount of housing provident fund loans and the withdrawal amount of renting houses.
The Notice raised the maximum amount of existing housing provident fund loans in Nanchang (600,000 yuan for employees in urban areas, 500,000 yuan for employees in single deposit, 500,000 yuan for employees in Nanchang County, 400,000 yuan for employees in Jinxian County and Anyi County, and 300,000 yuan for employees in single deposit) to 800,000 yuan for employees in double deposit and 700,000 yuan for employees in single deposit. This notice shall be implemented as of March 7, 2022.
In addition, the Notice stipulates that the current rent withdrawal quota in Nanchang (monthly 1.200 yuan in urban areas, monthly 1.000 yuan in Nanchang County, Jinxian County and Anyi County) will be raised to monthly 1.500 yuan, and single employees will be halved. The implementation time is from March 7, 2022 (inclusive), and the employees who have handled the annual rent withdrawal business in 2022 can make up the difference.
Is there a package loan company in Nanchang?
There is a packaging loan company in Nanchang. Nanchang New District Dingcheng Co., Ltd. was established on 2011.1.1.065438. The legal representative is Tu Qixiang, with a registered capital of 1000000.00 yuan, and his domicile is atNo. 1298, Wenhua Road, Xinjian District, Nanchang City, Jiangxi Province.
Conditions and requirements of Nanchang provident fund loan
Conditions and requirements are as follows:
1. Have permanent residence or valid residence status in this city;
2 have a relatively stable income, good credit, and the ability to repay the principal and interest of the loan;
3. The borrower and * * * the same borrower have continuously paid the housing provident fund in full for more than 6 months (including 6 months) in accordance with the provisions of the Measures for the Administration of Housing Provident Fund Deposit in Nanchang City when applying for the provident fund loan, and the housing provident fund in their accounts has not been withdrawn for this application;
4 provident fund loans to buy self-occupied housing in this city, there must be a legitimate purchase contract or agreement;
5. There is a certain proportion of down payment for house purchase that meets the requirements;
6. Provide guarantees that meet the legal requirements.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
How about a loan from Nanchang Changyao Company?
Nanchang Changyao Company has a good loan. Nanchang Changyao Company's loan Internet information service, business agency service, bill information consulting service, enterprise credit repair service, enterprise credit investigation and evaluation, enterprise credit management consulting service, enterprise credit rating service, socio-economic consulting service, enterprise management consulting, data processing and storage support service.
Objects and conditions for Nanchang to apply for provident fund loans
Objects and conditions for Nanchang to apply for provident fund loans
1. Employees who have paid the provident fund for more than half a year (including half a year) jointly by themselves or * * with the borrower in accordance with the Measures for the Administration of Housing Provident Fund Deposit in Nanchang City may apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses in this city are insufficient.
2. Conditions for handling loans:
1 The borrower has a permanent or valid residence status in this city. If the borrower holds a valid residence status, he must provide the household registration certificate of the original residence;
(1) It has relatively stable income, good credit and the ability to repay the loan principal and interest;
(2) The borrower or * * * together with the borrower has paid the housing provident fund in full for more than half a year (including half a year) in accordance with the Measures for the Administration of Housing Provident Fund Deposit in Nanchang City when applying for the provident fund loan, and the housing provident fund in my account has not been withdrawn for this application for provident fund loan project;
(3) provident fund loans to buy owner-occupied housing, there must be a legal purchase contract or agreement; The construction, renovation and overhaul of owner-occupied housing must have the approval documents of relevant planning and land management departments;
(four) a certain proportion of the down payment or its own funds are used for the purchase, construction, renovation and overhaul of houses that meet the requirements;
⑤ Agree to guarantee according to the guarantee method approved by the management center.
What is the interest rate of the first second-hand housing loan in Nanchang?
For the first home loan in Nanchang, the benchmark interest rate is 1. 1 times, and the benchmark interest rate for commercial mortgage is (1), and the interest rate is 4.35% within one year; (2) The loan term is one to five years and the interest rate is 4.75%; (3) If the loan term exceeds five years, the interest rate is 4.90%. 2. The benchmark interest rate of provident fund mortgage: (1) The interest rate of the loan within 5 years is 2.75%; (2) The loan is over 5 years, and the interest rate is 3.25%; When a general user applies for a loan, the loan bank will set the appropriate mortgage interest rate according to the user's qualifications, credit and other factors. Second-hand housing loans should pay attention to: buying a house must look at the age of the house. Don't buy an old house. Such a house cannot be loaned. The bank has strict regulations on the age of second-hand houses. If you are too old, the loan application is likely to be rejected by the bank. Be careful not to be too biased. Buyers generally try not to choose a house that is too biased. The location and area of houses purchased by property buyers will also affect the approval of bank loans to a certain extent.