Employees with full capacity for civil conduct who have paid the housing provident fund 12 months continuously may apply for housing provident fund loans when purchasing, constructing, renovating or overhauling their own ordinary houses. If the housing provident fund is deposited in different places and the deposit is less than 12 months at the current deposit place, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place. Legal basis: Article 1 of the Detailed Rules for the Implementation of Xi Housing Provident Fund Loans is to standardize the business management of individual housing provident fund loans (hereinafter referred to as provident fund loans) and promote the healthy and orderly development of provident fund loans. According to the "Regulations" and "Xi Housing Provident Fund Management Regulations", combined with the actual management of housing provident fund in this Municipality, these rules are formulated. Article 2 Personal housing provident fund loans refer to policy housing loans issued to employees who normally pay housing provident fund for the purchase, construction, renovation and overhaul of their own ordinary houses. The self-occupied ordinary housing purchased by employees includes ordinary commodity housing, affordable housing and fund-raising housing. Article 4 Commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as entrusted banks) shall be designated by the Xi Housing Provident Fund Management Committee in accordance with relevant regulations. As a creditor of provident fund loans, the center entrusts commercial banks as lenders to issue housing loans to borrowers. Fifth provident fund loans to implement the principle of loan guarantee.
I work in a state-owned enterprise in Xi 'an with a salary of 5000 yuan. Now I need a loan to buy a house. What should I do with it?
Hello, as long as you have a stable job and good credit information, you can handle banking business. Bank loans need to prepare materials:
Valid identity documents;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank.
Requirements for bank loans:
(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Other conditions required by the lending bank.
These procedures are usually divided into three steps:
(1) Basic information submitted by the customer, including work unit and contact telephone number.
(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.
(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.
The above answers are provided by Ronglian Ye Wei. Please refer to them.
I come from Xi 'an. How to operate the housing provident fund loan and how much can I borrow?
To apply for individual housing provident fund loans in China Bank, Shaanxi Province, the materials to be provided when applying for loans:
1, loan application form;
2. Household registration book, ID card or other valid proof of residence;
3, purchase contract or letter of intent and other related documents;
4, the unit housing fund management institutions agreed to loan letter;
5. For customers who buy new commercial housing, please provide a copy of the commercial housing sales license of the sales unit; For the purchase of public houses, please provide a copy of the approval document of the higher-level housing reform management institution for the "house selling plan";
6. If there is mortgage or pledge, the guarantor agrees to the written certificate of guarantee and the guarantor's credit certificate;
7. In case of guarantee, the guarantor agrees to the written guarantee certificate and the guarantor's credit certificate;
8. The original and photocopy of the receipt that has paid more than 30% of the house purchase advance payment;
9. Other materials required by China Bank.
If the purchased house is affordable housing or commercial housing, the maximum amount of a single loan is 300,000 yuan, which does not exceed 80% of the purchase price. Please consult the provident fund loan business outlets or the local provident fund management center in detail when handling.
The above contents are for your reference. Please refer to the actual business regulations.
Knowledge of house purchase: the loan object and conditions of Shaanxi provident fund loan, the maximum loan amount does not exceed 650 thousand.
First, the object and conditions of provident fund loans in Shaanxi Province
The loan object is the depositor who has paid the housing accumulation fund in full and continuously for more than 0/2 months (inclusive) and has full capacity for civil conduct. Purchase, construction, renovation, overhaul of owner-occupied housing, meet the following conditions, you can apply for personal housing provident fund loans.
(1) Having a legal and valid identity certificate;
(two) have a stable income and good credit, and have the ability to repay the principal and interest of the loan;
(three) the guarantee approved by the provincial guarantee center (mortgage stage guarantee). The commercial loan part of the portfolio loan is guaranteed according to the guarantee method recognized by the bank;
(four) to provide valid contracts or agreements for the purchase, construction, renovation and overhaul of self-occupied housing, and to pay a down payment of not less than the proportion stipulated in the loan, or to have self-raised funds for the construction, renovation and overhaul of housing;
(5) The borrower and his spouse have no outstanding housing provident fund loans (limited to two loans);
(six) other conditions stipulated by laws, regulations and normative documents.
II. Loan Amount, Term and Interest Rate
(1) Loan amount
1. If the loan applicant continuously pays the housing provident fund in full monthly, the maximum loan amount shall not exceed 500,000 yuan; If the loan applicant and spouse continuously pay the housing provident fund in full monthly, the maximum loan amount shall not exceed 650,000 yuan.
2. When the spouse's income of the loan applicant is approved, if the provident fund has been paid, the total monthly salary shall be calculated according to the deposit base of the provident fund; If the provident fund is not paid, the total monthly salary shall be calculated according to the actual income (proof of income and bank account that can prove effective income are required).
3. Down payment ratio
(1) If the housing provident fund loan is used for the first time to purchase self-occupied ordinary housing, the down payment ratio shall be no less than 25% for the building area below 144 (inclusive) and no less than 30% for the building area above 144; Workers who have used the housing provident fund loan 1 time and have settled the loan, in order to improve their living conditions, buy a second set of self-occupied ordinary commodity housing. The down payment ratio shall not be less than 50%, and the down payment ratio above 144 shall not be less than 55%. The down payment ratio of finely decorated houses and houses with prices significantly higher than the local market average is not less than 40%.
(2) For housing loans for construction, renovation and overhaul, the loan amount shall not exceed 60% of the total cost of construction, renovation and overhaul.
(3) The down payment ratio of portfolio loans should meet the requirements of both commercial loans and provident fund loans, which is not less than 30% at present.
(2) loan term
1. The maximum term of the housing loan is 30 years, and the maturity date of the loan shall not exceed 5 years after the borrower's statutory retirement. The age of the loan applicant when applying for a loan shall not exceed his legal retirement age (in principle, women shall be 55 years old and men shall be 60 years old. Special circumstances, need to provide relevant documents). Female cadres at the county level and female professional and technical personnel with senior titles who have reached the age of 60 to retire or delay their retirement need to provide relevant unit documents or instructions stamped with the official seal of the unit.
2 renovation, overhaul housing loan period shall not exceed 20 years (within the legal service life of the house).
3. The sum of the second-hand housing loan period and the housing completion period shall not exceed 30 years.
(3) Loan interest rate
1. The loan interest rate is subject to the interest rate standard published by the People's Bank of China. The current loan interest rate is 2.75% for loans less than 5 years (including 5 years) and 3.25% for loans over 5 years. For the second set of housing provident fund loans, the loan interest rate rises 10% on the basis of the standard interest rate. The interest rate of commercial loans in portfolio loans shall be subject to the provisions of commercial banks.
2. If the loan term is more than one year, if the interest rate of the People's Bank of China is adjusted during the repayment period, the new interest rate standard will be implemented from next year 1 and the monthly repayment amount will be recalculated.
3. If the loan term is one year, the interest rate agreed in the loan contract shall be implemented. During the loan period, if the interest rate of the People's Bank of China is adjusted, the loan interest rate will remain unchanged.
Third, the information needed to apply for a loan.
When applying for housing provident fund loans, the following information shall be provided:
(a) the valid identity certificate of the loan applicant, and the married employee shall provide the valid identity certificate of the spouse.
(three) proof of down payment for the purchase of houses, and proof of self-financing for the construction, renovation and overhaul of self-occupied houses.
(four) a legal and effective contract or agreement for the purchase, construction, renovation and overhaul of houses.
(5) If the loan applicant and spouse's housing provident fund have not been paid by the center, they shall provide the payment certificate issued by the housing provident fund management center at the place of deposit and the details of the payment in the last 12 months (if the spouse's work unit has not paid the provident fund and the income participates in repayment, they shall provide the income certificate issued by the unit and the qualified salary flow in the last 6 months).
(6) Seal of the loan applicant and spouse (1.6x 1.6cm square seal).
(seven) the credit report of the loan applicant and his spouse.
(8) Purchase of second-hand houses must also provide: 1. Xi. Supervision Agreement on Settlement Funds for Transaction of Safe Stock House; 2. "Xi Stock House Transaction Settlement Fund Supervision Down Payment Entry Voucher"; 3. Proof of the property right of the house purchased; 4. The housing price inquiry table provided free of charge by the provincial center or the official housing value appraisal report issued by the real estate appraisal agency recognized by the provincial center.
(9) Portfolio loans must also provide income certificates and bank flow recognized by commercial banks.
(ten) other information stipulated by laws, regulations and normative documents.
Fourth, loan repayment.
If the loan term is one year, the principal and interest will be repaid in one lump sum at maturity; If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly. Repayment methods include:
(1) Equal principal and interest repayment method, that is, equal repayment of loan principal and interest every month during the loan period.
(2) The repayment method in average capital, also known as the repayment method with interest, refers to the equal repayment of the loan principal every month, and the loan interest decreases with the principal month by month.
(3) After the housing loan is issued for 6 months, the borrower can repay part or all of the loan in advance at any time, and the prepayment limit is 3 times. When the borrower repays part of the loan in advance, he can choose "recalculate the monthly repayment amount of the same period" or "automatically shorten the repayment period of the same monthly repayment amount". There is no penalty for prepayment.
(4) The repayment methods of portfolio loans, provident fund loans and commercial loans are the same. Six months after the loan is issued, the combined loan can be repaid in advance in part or in whole. In case of partial repayment in advance, the provident fund loan part and the commercial loan part shall be repaid separately according to the loan proportion.
The calculation table of monthly repayment of principal and interest for individual housing loans is attached.
Verb (abbreviation of verb) the procedure and time limit for handling loans.
(1) Consult and prepare the application materials. The applicant entrusts a bank in the provincial center (the address and telephone number of the entrusting bank can be viewed on the website of the provincial center), and prepares relevant application materials as required.
(2) The loan applicant submits the loan application materials to the handling bank, which will be completed within 7 working days after the bank accepts the audit.
(three) the central audit is completed within 8 working days.
(four) the audit of the guarantee company is completed within 3 working days.
(5) The loan link is completed within 3 working days.
Note: Under special circumstances, the processing time limit may be appropriately extended.
Matters needing attention about intransitive verbs
(1) In order to ensure that loan applicants can obtain loans and use loan funds as soon as possible and shorten the examination time, applicants should carefully read relevant policies and regulations to ensure that the application materials are true, complete and reliable.
(2) When applying for the loan amount and term, we should consider our repayment ability on the premise of complying with the loan policy, and require that the monthly repayment amount should not exceed 50% of the family's monthly income, and the living expenses after repaying the loan principal and interest and family debts should not be less than 1500 yuan, so as to ensure that the daily life of the family will not be affected after repayment.
(III) For the second-hand housing loans that are not handled in the Supervision Agreement on Settlement Funds of Stocking Houses in Xi City, the entrusted bank will transfer the loans to the account designated by the guarantor after receiving the guarantee settlement notice issued by the guarantor, and the guarantor will pay the house payment according to the relevant agreement, and the loans shall not be transferred to the third-party account.
(4) the housing of the staff and workers' organizations of this unit, and the housing built by employees from funds, etc. , the unit can directly contact the financial department of the provincial center, and we will provide on-site service together with the undertaking bank.
(five) the specific provisions of individual housing loans, can refer to the provincial center website provident fund loan business column "housing provident fund individual housing loans implementation details".
Article source: Leju buys a house
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