As long as the borrower settles the last provident fund loan and the provident fund is paid again for one year, the loan cannot be made. Theoretically, there are at most four provident fund loans. As long as it is a city that is not limited to purchase, if it is limited to purchase, it will be said separately. No matter how many houses you owned before, as long as there is no purchase restriction in your city, the payment method is provident fund loan. The conditions of provident fund loans are as follows:
First, the provident fund loan conditions:
1, local provident fund account
2. You can apply for a loan after one year of continuous deposit.
3, as long as the city is not limited to purchase.
4. If you haven't used provident fund loans, you can count the first home loan.
Second, the provident fund loan amount:
The account balance is multiplied by 25 times. The maximum number of individuals is 400,000, and the maximum number of couples is 800,000 (different places).
Three. Information required by the buyer of provident fund loan:
1, household registration book (original inspection, copy)
2, ID card (original inspection, copy)
3, marriage certificate (original inspection, copy)
4. Income certificate (stamped with the official seal of the work unit, original)
5. The bank flow (stamped with the working banking business seal and received the original) was written in such detail that I wrote it in detail.
2. What is the application process of Chengdu provident fund loan?
Comprehensive guidance on the handling process of public loans.
Fangtianxia 20 15/09/ 1000:00
Unless otherwise specified, the areas involved in this page refer to the building area.
Buy a house and join a tour group, save money and don't step on the pit, only buy the right one and not the expensive one.
With the introduction of the new provident fund policy, it is wise and economical to buy a house with provident fund loans. What are the conditions for buying a house with a provident fund loan? Chengdu second-hand housing Xiaobian will explain the operation process and application conditions of buying a house with provident fund loans. Let's have a look.
On August 3rd1,the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Ministry of Finance issued the Notice on Adjusting the Down Payment Ratio of Individual Housing Loans from Housing Provident Fund, stipulating that "for families who have paid off their corresponding housing loans, the down payment ratio will be reduced from 30% to 20% in order to improve their living conditions.
Second-hand house company
The buyer and the seller submit application materials in the window of the entrusted bank in the loan service hall → entrust the bank to accept and issue an evaluation report → the borrower signs a loan contract in the bank → the buyer and the seller go through the formalities of property rights transfer → the borrower obtains new property rights and goes through the formalities of mortgage registration → warrants and other materials → authorize the bank to issue loans.
Housing provident fund personal loan application conditions
(a) a natural person, and does not exceed the national housing provident fund management regulations paid housing provident fund;
Employees with registered permanent residence or valid residence identification;
(3) At the time of application, the housing provident fund has been continuously and normally paid into the provident fund for more than 6 months (inclusive), the provident fund has not been withdrawn, and there is no balance of the provident fund loan;
(4) Having a contract or agreement for the purchase of a house, with a down payment of 30%;
(5) Having relatively stable professional and economic income, having corresponding loan repayment ability and good personal credit;
(6) Formulas can be provided;
(seven) other conditions stipulated by the provident fund.
Second-hand housing housing provident fund personal loan application materials
(a) the buyer needs to mention
1, original second-generation ID card or military officer's card and
2. Original and 2 copies of the household registration book (home page and applicant's home page).
3. The original and two copies of the marriage certificate (marriage certificate, divorce certificate, single statement on the spot).
4, in line with the provisions of the housing sales contract or agreement.
5. The original and 3 copies of the down payment receipt and credit card POS or cash receipt.
6. The original and two copies of the borrower's family housing registration record information certificate (employees applying for loans in urban areas can print two copies of the inquiry results of family housing registration records at the consultation counter of the urban management department).
7. Entrusted deduction (repayment) account: the original savings card or passbook of the main lending bank and
8. Proof of income: For customers who have not paid the housing accumulation fund, they must provide 2 originals of proof of income (downloadable from the website), with a copy of 1 copy; Among them, customers with a monthly income of more than 3,500 need to provide annual bank flow 1 copy or 1 copy.
9. Proof of deposit: Employees in the fund must provide the deposit status of the housing provident fund that they have paid regularly in the past six months.
Details and original deposit certificate (deposit inquiry form) and 1 copy, and the housing provident fund account status should be normal.
10, other relevant information required by the provident fund management department.
(2) Information and copies provided by the seller:
1, original and 3 copies of the second-generation ID card or military officer's card.
2. Original and 2 copies of the household registration book (home page and applicant's home page).
3. The original and two copies of the marriage certificate (marriage certificate, divorce certificate, single statement on the spot).
4. 3 originals of the property right certificate of the house for sale and the land certificate of the house for sale.
5. Collection account: the original and two copies of the seller's savings card or passbook.
6. If the address of the house is changed, provide the original and two copies of relevant certification materials.
7. Other relevant information required by the provident fund management department.
Three, Chengdu provident fund loans loanable amount provisions
When buying a house to apply for a loan, most buyers will give priority to provident fund loans, but the amount of provident fund loans is limited. If you apply for provident fund loan in Chengdu, what is the loan amount of provident fund loan in Chengdu? According to the Detailed Rules for the Implementation of Individual Housing Loan of Chengdu Housing Provident Fund, the maximum amount of provident fund loan in Chengdu is 700,000 yuan for two or more employees who meet the loan conditions and 400,000 yuan for a single employee.
Chengdu provident fund loan amount calculation loan amount = (borrower's provident fund deposit balance * * * and applicant's provident fund deposit balance) × deposit time coefficient× 20 times. If the continuous normal deposit time is less than 12 months, the deposit time coefficient is 0.5; If the continuous normal deposit time is 12 months to 24 months, the deposit time coefficient is 0.9; If the continuous normal deposit time exceeds 24 months, the deposit time coefficient is 1. For two or more loan applicants who meet the loan conditions, the deposit time coefficient can be determined according to the party with a long continuous normal deposit time. Loan term: calculated as a whole year, the shortest is 1 year, and the longest is 30 years. The maturity date of the loan shall not exceed 5 years after the statutory retirement time of the loan applicant, that is, men are under 65 years old and women are under 60 years old (female cadres and female professional technicians with senior titles are under 65 years old). Two or more loan applicants who meet the loan conditions may determine the loan term according to a longer term. To apply for a second-hand housing loan, the loan term plus the building age of the purchased house shall not exceed 30 years. The construction life of the purchased house shall be based on the service life confirmed in the housing information summary table issued by the local housing management department or the evaluation report issued by the evaluation agency. Down payment ratio and interest rate of Chengdu provident fund loan (1) If the first home provident fund loan policy is implemented, the down payment ratio shall not be less than 30%; If the second-home provident fund loan policy is implemented, the down payment ratio shall not be less than 40%. (2) If the purchased re-traded house is over 10, the minimum down payment ratio will be correspondingly increased by 10%. (three) the implementation of the first home provident fund loan policy, the loan interest rate is the statutory provident fund loan interest rate for the same period; (4) If the second set of housing provident fund loan policy is implemented, the loan interest rate is 1. 1 times of the first set of housing provident fund loan interest rate in the same period. The monthly repayment amount of the loan applicant to repay the housing loan shall not be higher than 50% of the monthly income.
4. What are the requirements of Chengdu provident fund loans for housing years?
The requirements of Chengdu housing provident fund loan for housing years can be summarized as follows: housing years plus loan years is less than or equal to 30 years.
If the building is over 30 years old, you can no longer apply for housing provident fund loans.