What are the conditions for eligible individual housing provident fund loans? The main contents are as follows: 1. The borrower has full capacity for civil conduct; 2. Have the official residence or valid residence status in this city; 3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan; 4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year; 5, can provide a valid contract or agreement for the purchase of owner-occupied housing; 6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house; 7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds; 8. The borrower agrees to handle housing mortgage loan and insurance; 9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials; 10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month. Conditions of provident fund loan: 1. Having legal and valid identity documents; 2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good; 3. Have a stable income and the ability to repay loans; 4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department; 5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid; 6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses; 7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments; 8 overhaul housing, approved by the planning and management department; 9. Being able to provide effective guarantee recognized by the management center; 10. Other conditions stipulated by relevant laws, regulations and policies. Provident fund loan process: 1. The borrower applies for a loan at the acceptance outlet; 2. Accept the outlets to inquire about the property status under the family name; 3. Accept the acceptance of outlets; 3. sign a contract; 4. examination and approval; 5. The real estate trading center shall handle the mortgage registration procedures; 6. Bank loans. The information required to apply for housing provident fund loans is as follows: 1. "Approval Form for Housing Provident Fund Loan Application" in triplicate (to be filled in at the local housing provident fund management center); 2. The original and three copies of the household registration book, resident identity card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department; 3. Legal and valid original purchase contract. 3 copies of business license of housing development unit, pre-sale permit of commercial housing (auction house), sales permit of commercial housing, completion acceptance certificate and big house certificate; 4. Where mortgage or pledge guarantee is involved, the original and photocopy of the ownership certificate of the mortgage or pledge right shall be provided, and the original of the written certificate that the person with the disposition right agrees to mortgage (pledge) shall be provided; 5. Where the guarantee is involved, the guarantor shall issue 3 originals of written commitment to provide the guarantee and 3 copies of supporting materials (including business license, financial statements of the last three years, qualification certificate, credit certificate, etc.). The guarantor has the ability to guarantee; 6. Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment orders, etc.). The borrower has paid more than the specified proportion of the house purchase price. Basic loan conditions: (1) To apply for housing provident fund loans, the following basic conditions should be met at the same time: 1. The housing provident fund shall be paid in full and normally according to the regulations, and it has been paid continuously for more than 1 year when applying for a loan. 2, the purchase of housing for the city's self-occupied ordinary housing, the purchase contract and related certification materials in line with the law. 3. If the commercial house is purchased, the sales building has been approved by the center, and after signing the contract (the payment method is agreed as mortgage loan) and paying the down payment, the loan application is filed. 4. If you buy a second-hand house, the real estate agent can apply for a loan after filing in the center, signing a contract (the payment method is agreed as mortgage loan) and paying the down payment, and before handling the transfer formalities of real estate transactions. 5, the purchase of public housing, should be signed in the contract, pay all the house price, can handle the real estate transaction transfer procedures, apply for a loan. 6, demolition and resettlement, should be in the signing of the contract, all the house price has been paid, the real estate transaction transfer procedures, put forward a loan application. (2) The condition of the second housing loan is 1, which meets the basic conditions of the loan, and the customer's family (borrower and spouse) has not used the provident fund loan or the provident fund loan has been paid off. 2. The existing per capita housing construction area of the client's family (borrower, spouse, minor children) is lower than the average level of last year published by the statistics department of this Municipality (note: the per capita housing construction area of Hangzhou in 20 12 years is 34.39 square meters), and it meets the national second-home certification standard. (3) Down payment ratio 1. If commercial housing (including affordable housing) is purchased and the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; Xing Tao construction area of more than 90 square meters, the loan down payment ratio is not less than 30%; At the same time, it is not lower than the minimum down payment ratio agreed in the real estate cooperation agreement. 2, the purchase of second-hand housing, housing construction year after 2000 (inclusive), the loan down payment ratio is not less than 30%; If the building is built before 2000, the down payment ratio of the loan shall not be less than 40%. (If there is still real estate under the name, and the per capita area of real estate is less than 30.85 square meters, and the per capita only includes husband and wife and minor children, you can apply for a second provident fund loan). The down payment ratio of the second housing provident fund loan is not less than 60%. ? Provisions on the loan amount, term and interest rate of Hangzhou Provident Fund: 1. Amount: If the customer meets the loan application conditions, the maximum loan amount is 500,000 yuan. Customers and their spouses meet the loan application conditions, and the maximum loan limit for each household is 800,000. The specific loan amount is comprehensively determined according to the customer's monthly deposit, house price, down payment ratio and personal credit status. ? Note: At present, the monthly deposit amount is 182 yuan but does not exceed 366 yuan, and the maximum loan amount is150,000 yuan; The maximum loan amount from 366 yuan to 879 yuan is 300,000 yuan, and the maximum loan amount from 879 yuan to 500,000 yuan. The maximum application amount for a family is 800,000 yuan. If the borrower's housing provident fund loan amount is insufficient, he may apply for a housing provident fund portfolio loan. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with housing provident fund loans. 2. Term: The longest loan term is 30 years, which shall not exceed the statutory retirement age of the client and his spouse for 5 years (male 65 years old, female 60 years old). Among them, the second-hand housing loan period plus the housing age does not exceed 40 years. 3. Interest rate: the loan interest rate is subject to the housing provident fund loan interest rate stipulated by the People's Bank of China on the day of loan issuance. If the loan term is within 1 year (including 1 year), the contract interest rate shall be implemented, and the legal interest rate shall not be adjusted; If the loan term exceeds 1 year, when the legal interest rate is adjusted, the new interest rate standard will be implemented according to the corresponding interest rate grade from next year. ? Provisions on repayment methods: the repayment methods of housing provident fund loans include equal principal and interest repayment and equal principal repayment. ? Loan guarantee terms: the developer will guarantee the repurchase by stages. ? Repayment method of provident fund loan: The repayment method of housing provident fund loan includes equal principal and interest repayment and equal principal repayment, which is selected by the borrower when applying for a loan. Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate; The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months; The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%; The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan; Sign a house purchase contract or contract with the sales office; Meet other conditions stipulated by the trustor and the trustee. To apply for housing provident fund loans, you need to meet the following conditions: 1, have permanent residence or other valid residence status in this city, and have full capacity for civil conduct; 2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions; 3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time; 4. Pay the housing provident fund in full monthly for 6 months before applying for the loan; 5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management; 6. There are no other large debts that may affect the loan repayment ability; 7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure; 8. Other conditions stipulated by laws and regulations.
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