Hunan Huaihua 2022 first home loan interest rate is 4.35%.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
Conditions and requirements of Huaihua provident fund loan
Conditions and requirements of Huaihua provident fund loan
Conditions and requirements of Huaihua provident fund loan. If you buy a house within the administrative area of Huaihua City, you can apply for a personal housing loan of housing provident fund to the housing provident fund management department where you buy a house with the housing provident fund deposit certificate and deposit details issued by the employment housing provident fund management center. Conditions and requirements of Huaihua provident fund loan.
Conditions and Requirements of Huaihua Provident Fund Loan 1
Conditions for applying for a loan:
(1) Pay the housing provident fund in full monthly for more than 6 months (including 6 months). For those who have paid the housing provident fund in different places, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place;
(two) the purchase, construction, renovation and overhaul of owner-occupied housing has a certain proportion of down payment, and the down payment ratio shall not be lower than the provisions of the state, province and city;
(3) The credit is good, and the overdue period in the borrower's or spouse's credit report is no more than 3 times in a row and no more than 6 times in total. (Individual student loans and annual credit card fees exceeding the above standards can be determined as appropriate according to the investigation);
(4) having a relatively stable economic income and the ability to repay the loan principal and interest on schedule; The proportion of repayable loan principal and interest to family monthly income shall not exceed 50%. Other loans and debts should also be included in the repayment of loan principal and interest;
(5) There are legal and effective contracts or agreements for the purchase, construction, renovation and overhaul of owner-occupied housing and other supporting documents required by the housing provident fund management department. The time to apply for loans for the purchase of existing housing shall not exceed 2 years from the date of issuance of the property right certificate, and the time to apply for loans for the construction, renovation and overhaul of self-occupied housing shall not exceed 2 years from the date of approval;
(6) the purchase of commercial housing must be mortgaged, and the construction, renovation and overhaul of self-occupied housing can provide facades and houses recognized by the housing provident fund management department as collateral or pledge;
(7) The borrower and spouse have no housing provident fund entrusted loan or the original housing provident fund entrusted loan has been settled;
(eight) without the use of housing provident fund to buy a house and there is no room, you can apply for a loan business after extracting the housing provident fund, but the total amount of extraction and loan shall not exceed the total purchase price or the actual expenditure on the construction, renovation and overhaul of self-occupied housing.
Huaihua provident fund loan conditions and requirements II
Huaihua housing provident fund loan process:
1, pre-loan consultation;
2. Both husband and wife or * * * go to the housing provident fund management department together with the borrower;
3. On-site loan investigation;
4. Loan approval;
5, the borrower or developer to the real estate management department for mortgage procedures;
6. After receiving the mortgage certificate of the borrower, the housing provident fund will issue loans as planned;
7. The borrower repays the loan on a monthly basis one month after the loan is issued.
After the loan contract comes into effect, the borrower shall repay the loan principal and interest in full and on time as agreed in the contract. The borrower can repay the loan principal and interest in the following ways:
(1) Counter repayment method. That is, the borrower repays the loan directly at the business counter designated by the entrusted bank by cash, check, savings card, credit card or savings passbook;
(2) Entrusted deduction method. That is, the borrower and the housing provident fund management department sign an agreement with the bank or the borrower's unit or the financial wage distribution center to entrust the bank or the borrower's unit or the financial wage distribution center to withhold and remit loans from their depositors or wages;
(three) annual or monthly repayment of housing provident fund mortgage loans. That is, the borrower can use the balance of housing provident fund carried forward by himself and his immediate family to offset the principal and interest of the loan that should be repaid in the current year from the second repayment month after handling the loan.
The annual hedging business is handled once every certain number of years. The borrower can handle the current year's hedging business from June 65438+1 October1to March 20 every year. To handle the annual hedging business, one month's deposit of the housing provident fund shall be reserved for himself and his immediate family members; For monthly hedging, one month's repayment of housing provident fund must be reserved.
Huaihua provident fund loan conditions and requirements 3
Housing provident fund loan. The amount is calculated according to the following three aspects:
1. The proportion of loanable amount is determined according to the housing area (rough houses below 144_ account for 80% of the total loanable house price, houses above 144_ account for 70% of the total loanable house price, and villas do not provide provident fund loans).
2. The loan amount applied for should also be calculated according to the monthly contribution of the employee provident fund: the loanable amount of the housing provident fund = {the monthly contribution of the provident fund x 12x the balance of the provident fund account for the years that can be paid }x2, and the loan amount can be combined with the spouse.
3. The borrower has a relatively stable economic income and the ability to repay the loan principal and interest on schedule; The proportion of repayable loan principal and interest to family monthly income shall not exceed 50%. Other loans and debts should also be included in the repayment of loan principal and interest.
Loan application object:
The depositor who normally pays the housing provident fund within the administrative area of Huaihua City and has full capacity for civil conduct shall apply to the housing provident fund management department that paid the housing provident fund for individual housing loans when purchasing, building, renovating or overhauling the owner-occupied housing within the administrative area of Huaihua City; Deposit housing provident fund in different places outside the administrative area of Huaihua City and in Hunan Province,
If you buy a house within the administrative area of Huaihua City, you can apply for a personal housing loan of housing provident fund to the housing provident fund management department where you buy a house with the housing provident fund deposit certificate and deposit details issued by the housing provident fund management center of the place of employment; Household registration workers in this city who have paid housing provident fund outside Hunan Province,
After buying a house in the place where I live, I can apply for a housing provident fund personal housing loan to the housing provident fund management department where I live with the housing provident fund deposit certificate (the account status is sealed), deposit details, housing provident fund loan seal certificate and social security certificate where I have paid the housing provident fund for two consecutive years.
Is there no interest on the first home loan in Huaihua city?
The first home loan in Huaihua city is not interest-free, but has dropped! The interest rate of the first individual housing provident fund loan in Huaihua was lowered by 0. 15 percentage point, and the interest rates for less than 5 years (including 5 years) and more than 5 years were adjusted to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are 3.025% and 3.575% respectively.