Loan conditions for purchasing second-hand commercial housing (deposit employees in different places)
(1) The applicant for housing provident fund loan must be a citizen of People's Republic of China (PRC), and the applicant and the owner of the mortgaged house must be natural persons with full civil capacity at least 18 years old;
(2) Before applying for a housing provident fund loan, the applicant for a loan from another place must pay the housing provident fund in full and continuously for more than 6 months, and continue to pay it normally;
(3) The applicant and his/her spouse are in good credit status and have no bad credit records in the credit information system of the People's Bank of China (individual housing loans, provident fund loans or commercial loans, consumer loans, car loans and other business loans are overdue for more than 6 times or 3 times in a row, or credit cards are overdue for more than 6 times or 3 times in a row);
(4) Having the ability to repay the principal and interest of the loan (the monthly repayment amount of all debts of the applicant's family, after deducting the monthly deposit amount of the applicant's and spouse's housing provident fund, shall not exceed 50% of the applicant's monthly income);
(five) the applicant or the applicant's spouse's domicile or place of work (housing provident fund deposit) is in Huizhou (including counties);
(six) to apply for housing provident fund loans, the need to buy housing for living, can apply;
(seven) the applicant and spouse have no outstanding housing provident fund loans, and there are no other debts that may affect the repayment ability;
(8) The time limit for purchasing re-traded housing (second-hand housing) and applying for housing provident fund loans is: within 90 days from the date when the receipt for accepting the application for real estate registration is issued, or within 90 days from the date when the real estate registration agency issues a new house ownership certificate;
(nine) the purchase of re-traded housing (second-hand housing) shall be submitted to the real estate appraisal agency approved by the housing provident fund center. The house value is based on the lower of the house appraisal value, Guangdong VAT invoice and real estate sales contract, and the total loan (including portfolio loan) does not exceed 60% of the house value.
(10) If the housing provident fund loan is used to purchase a second house, and the purchase area is less than 144 square meters (inclusive), the loan interest rate is 1. 1 times the loan interest rate for the first use of housing provident fund in the same period, and the loan interest rate for the first use of housing provident fund in the same period is 1.65438+.
(11) An applicant who purchases a third or above house by taking the family as a unit (including the applicant, spouse and minor children) shall not apply for a housing provident fund loan (if the housing used for applying for a housing provident fund loan has other family property owners, the number of housing units owned by other family members shall also be calculated together);
(twelve) to agree on mortgage, pledge and other forms of guarantee in the way recognized by the municipal housing provident fund center and the entrusted bank;
(13) The maximum personal loan for purchasing the first suite is 400,000 yuan, and the maximum loan for both husband and wife is 600,000 yuan; The maximum loan amount for purchasing a second suite is 300,000 yuan for an individual and 500,000 yuan for both husband and wife. The loan amount is determined according to the deposit balance in the applicant's housing provident fund account and the continuous monthly normal deposit time. The calculation formula is: 1, and the housing provident fund is normally paid every month for 6 months: loan amount = individual housing provident fund account balance × 8; 2. Continuous and regular deposit of housing provident fund 12 months: loan amount = balance of individual housing provident fund account ×15; 3. Regular deposit of housing provident fund for 36 consecutive months: loan amount = balance of individual housing provident fund account × 20; The balance of the above individual housing provident fund account does not include the amount paid in the recent 12 months and the amount transferred from other cities to our city in the recent 12 months; If both husband and wife apply for a loan, the loan amount of both husband and wife shall be calculated separately and then added.
Two. Information and explanation required for purchasing second-hand commercial housing with loans from different places.
serial number
Data name
data type
explain
1
"Huizhou Housing Provident Fund Loan Application Form"
Original 1 copy
If both husband and wife need to apply for housing provident fund loans, they need to provide 1 copy.
2
Power of attorney for inquiry of credit information system
Original 1 copy
The property rights of the applicant, spouse and mortgaged house shall be filled in separately, with signatures (including previous names) and handprints.
three
identity card
There is no need to collect copies, and the bank is entrusted to check and scan the original information during the interview.
The information of the three certificates should be consistent.
four
residence booklet
Copy 1 copy
The ownership of the applicant, spouse and mortgaged house is 1 copy.
five
Marriage certificate, divorce certificate or people's court verdict, proof of widowhood
Copy 1 copy
Unmarried, divorced or widowed people need to sign the declaration of marital status formulated by our center and fill it in during the interview; Widowed, resident population registration card, if the marital status is "widowed", provide a statement of marital status formulated by our center. If the marital status of the resident population registration card is not "widowed", relevant certification materials shall be provided.
six
The applicant's payment account and the seller's collection account.
Copy 1 copy
The account must provide a first-class savings card in my name (see the website of the center for the specific bank name and acceptance scope), and the bank card should be copied on both sides.
seven
Real estate sales contract
1 original and one copy each.
eight
Guangdong VAT ordinary invoice
Copy 1 copy
nine
Receipt of Acceptance of Real Estate Application Registration or the new Certificate of Real Estate Ownership of the Buyer.
Copy 1 copy
The limitation of application is within 90 days from the date of issuance of documents.
10
Original property certificate or title certificate of the seller.
Copy 1 copy
1 1
"Certificate of Deposit and Use of Housing Provident Fund for Employees with Loans from Different Places"
Original 1 copy
Issued by the housing provident fund center of the place where the borrower (* * * and the borrower) deposit.
Deposit employees in Guangdong-Hong Kong-Macao Greater Bay Area do not need to provide it.
12
Housing accumulation fund deposit process
Original 1 copy
Require the borrower (* * * with the borrower) to provide the details of the housing provident fund deposit in the past 36 months (if the deposit is less than 36 months, it shall be provided according to the actual number of months of deposit), and affix the official seal of the housing provident fund center or bank at the deposit place.
13
Proof information of repayment ability
income statement
Original 1 copy
Note: Only those whose income exceeds the paid salary base of housing provident fund or who have not paid housing provident fund need to be provided.
Salary/Wage Report
Original 1 copy
Provide daily bank statements with consistent income in the past six months.
tax clearance certificate
Copy 1 copy
If the income exceeds the tax threshold, you need to provide a list of personal income tax for nearly 6 months.
Remarks: 1. Tel: City Housing Provident Fund Management Center12329; Zhong Kai Management Department: 3165678; Huiyang Management Department 3393102; Huidong Management Department 8582782; Boluo Management Department 6733696; Longmen Management Department 7883839; Daya Bay Management Department 5560798
2. Huizhou Housing Provident Fund Loan Application Form, Credit Information System Inquiry Authorization and Income Certificate can be downloaded from the website of Huizhou Housing Provident Fund Management Center.
Uniform resource locator (URL)
Three, Huizhou housing provident fund loans to buy second-hand housing flow chart
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