Workers in our city who have paid the housing provident fund in full for more than 6 months in a row can apply for personal housing loans from the provident fund if they buy ordinary self-occupied housing in our city.
Loan materials:
(1) 2 copies of the application for approval of personal housing loan for Xuchang Provident Fund;
(2) The original and two copies of the marital status certificate, ID card and household registration book of the borrower and spouse;
(3) Commercial housing sales contract registered by the housing management department 1 copy;
(4) The original query result of the borrower's family property registration information 1 and the copy of 65438;
(5) The original and two copies of the down payment receipt of not less than 30% of the total house price (20% below 90 square meters);
(6) Personal credit report and income certificate of the borrower and spouse;
(7) Other materials required by the Municipal Management Center.
Second, how long can I borrow money to buy a house after paying the housing provident fund?
1. If the unit pays the housing provident fund, it needs to pay it in full for 6 months before it can use the housing provident fund loan to buy a house; 2. If an individual pays the housing provident fund, it will take 1 year to pay it in full before he can use the housing provident fund loan to buy a house. 3. Employees who have continuously paid the housing provident fund in full for more than 6 months (inclusive) may apply for individual housing loans from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.
3. In Xuchang, the company pays 145 provident fund every month, and I pay 145. If you buy a house with a provident fund loan, what is the maximum loan amount? Tell me more about what you know.
How much is the provident fund? You can't buy a house until half a year later. Simply put, the amount you pay multiplied by the number of provident fund points is the amount that can be offset, or the mortgage payment. How much you paid, how much you calculated, and how long you paid. Several aspects
4. How much provident fund do I have to pay to get a loan to buy a house?
First of all, the borrower who applies for a loan needs to establish a housing provident fund account for more than one year, and at the same time needs to pay the housing provident fund in full for more than one year. The normal deposit here refers to: continuous monthly deposit, early deposit and supplementary payment of housing provident fund. Secondly, after the above conditions are met, the borrower's provident fund account must be in the state of deposit when applying for a loan. In addition, for the approved units that are in a deferred payment state, their employees can apply for loans on the condition that they have established a housing provident fund account for 1 year or above and paid the housing provident fund in full for 1 year or above. Although the loan conditions in different parts of the country are not exactly the same, the general loan applicants need to meet the following conditions: (1) If they meet the standards stipulated by the core management of housing provident fund in various provinces and cities, they have continuously paid enough housing provident fund and met the standards, and neither the borrower nor their spouses have any housing provident fund loan debts, nor have they provided loan guarantees or auxiliary loans to other provident fund borrowers, they can apply for housing provident fund loans. (2) The purpose of applying for provident fund loans is to purchase, build, renovate, overhaul and decorate urban self-occupied housing. The owner of the house or the right to use the house purchases public housing; Immediate family members who live together with the owner or user of the house may apply for provident fund loans. (three) the borrower should have a stable income, good personal credit and the ability to repay the loan principal and interest. (four) with the purchase, construction, renovation, overhaul and decoration of owner-occupied housing related procedures and land, construction, planning and other departments of the approval documents and the provisions of the proportion of self financing. (five) to provide a guarantee in accordance with the provisions of the "People's Republic of China (PRC) Guarantee Law" and approved by the management core. (6) Other prescribed conditions. Those who meet these conditions can apply for housing provident fund loans. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.