For office workers, a very important welfare is five insurances and one gold. Insurance can provide protection for yourself, and the provident fund can borrow money to buy a house. Now the scope of application of provident fund is wider. If there is a decoration demand, it can be extracted and used if it meets the conditions. So how can the provident fund apply for a decoration loan? Let's briefly introduce it today.
First, the provident fund renovation loan conditions
The policies in each region are slightly different. I suggest you check the policies of the local provident fund housing management center first. Generally speaking, you need to meet the following conditions:
1, with a valid ID card or permanent residence, the professional income must be stable and have the ability to repay the loan;
2. The age of the renovation loan is less than 15, and the housing area is more than 70 square meters;
3. There is no outstanding provident fund loan under the personal account. If the provident fund renovation loan is not settled, you cannot apply for a new provident fund loan;
4. After users apply for decoration, they can see whether to sign a contract with the decoration company according to their own needs.
Second, the provident fund renovation loan process
1. Sign a house purchase contract with the house selling unit and prepare materials to apply to the bank;
2, bank audit, send the data to the provident fund management center for approval;
3. Sign the renovation contract and go through the mortgage insurance formalities;
4. If the bank lends money, the borrower can repay it in time.
Note: there must be a continuous provident fund, and the higher the amount, the better. If there are outstanding loans in other banks or platforms, such as mortgages and car loans, it may affect the loan amount or approval efficiency. Individual housing meets the architectural design standards stipulated by the municipal provident fund management center in order to obtain the approval quota.
How to borrow provident fund loans for decoration?
Methods of applying for renovation provident fund loans:
1. Materials to be prepared for decoration provident fund loan application: ID card (if you have a spouse, you need to prepare the other party's ID card, and if you are married, you need a marriage certificate); Proof of income flow; Proof of payment of provident fund; Property ownership certificate/purchase contract, renovation contract, budget and decoration invoice, and receipt of down payment of no less than 20% for the house.
2. According to your own room type, after submitting the application, the bank will review the real estate agency and guarantee company, and will report the applicant's information and other information to the housing provident fund management center for review. The audit time is generally 40 days.
3. If the application is approved, the provident fund management center will notify the applicant and sign a loan contract with him.
Can the housing accumulation fund in Jiangmen, Guangdong be used for decoration?
City housing provident fund management center staff to handle the relevant procedures for the public.
Housing provident fund is a long-term housing deposit paid by the employee's unit and the employee himself. Owned by employees, for employees to buy, build, renovate and overhaul their own houses. Housing provident fund is closely related to the interests of employees, but many citizens still have doubts about the application and use of provident fund.
A few days ago, a reader, Mr. Chen, wrote that he planned to buy a house recently, but he didn't know what conditions were needed to withdraw the housing provident fund, what documents and procedures needed to be prepared to withdraw the housing provident fund, and what problems should be paid attention to in the process of withdrawing the housing provident fund? Our reporter interviewed relevant persons of the municipal provident fund housing management center on related issues.
Who can withdraw the housing provident fund?
According to the person in charge of the municipal provident fund management center, employees can apply for withdrawing the balance from the housing provident fund account after participating in the provident fund: First, they need to use the provident fund to purchase, build, renovate or overhaul the owner-occupied housing with ownership; The second is to repay the principal and interest of the house purchase loan with the provident fund; The third is to rent a house for self-occupation and withdraw the provident fund; Fourth, employees retire (or reach the statutory retirement age); Fifth, employees who completely lose their ability to work and terminate their labor relations with the unit; Sixth, employees should leave the country to settle down; Seven, non city household workers and units to terminate the labor relationship; Eight is the employee whose registered permanent residence moves out of this city and terminates the labor relationship with the unit; 9 people are laid-off workers, male 40 years old (including 40 years old) and female 35 years old (including 35 years old) or above; 10. When an employee dies or is declared dead, his successor or legatee applies for withdrawing the balance stored in the employee housing provident fund account.
Housing accumulation fund withdrawal procedure
According to the relevant regulations of Jiangmen Housing Provident Fund Management Committee, when employees apply for withdrawal of housing provident fund, they need to go to the housing provident fund management center to receive and fill in the Jiangmen Housing Provident Fund Business Approval Form. After the unit to which they belong adds opinions and seals, they can go through the examination and approval procedures with relevant certification materials at the municipal housing provident fund management center, and then withdraw the storage balance from the provident fund bank.
For the employees whose original units are revoked, dissolved or bankrupt, and the housing provident fund is managed by the superior competent department, when employees withdraw the housing provident fund, they should go through the examination and approval procedures at the municipal housing provident fund management center with relevant certification materials, and then withdraw the storage balance from the provident fund bank; If there is no superior competent department and the employee housing provident fund is managed by Jiangmen Housing Provident Fund Management Center, the employee shall go through the examination and approval formalities at Jiangmen Housing Provident Fund Management Center with relevant certification materials, and then withdraw the storage balance from the provident fund bank.
What information should be submitted when extracting?
If the owner-occupied house is purchased without mortgage and the house price is paid in one lump sum, the purchase contract, purchase invoice or real estate license shall be provided at the time of application; If it is an installment payment to the developer, it is necessary to provide a purchase contract and an installment invoice; If the provident fund is withdrawn to repay the loan principal and interest, the loan contract signed with the bank and the mortgage passbook (printed to the latest balance) shall be provided; If you rent a house for self-occupation, you need to provide a lease contract and rent invoice; When employees build owner-occupied housing, they shall provide the land use certificate (or real estate license) approved by the urban construction department at or above the town (township), the approval document (construction permit or construction land specification permit) approved by the planning department at or above the town (township) and the invoice for purchasing building materials; Decoration of owner-occupied housing, provide decoration approval (construction permit or construction land specification permit), real estate ownership certificate and purchase invoice of building materials from urban construction departments above the town (township); Overhaul the owner-occupied housing, and provide the housing safety appraisal certificate, real estate license and repair cost invoice issued by the housing safety appraisal institution above the town (township).
Other eligible employees (or customers) need to provide ID cards and relevant supporting documents of their respective situations when applying for withdrawal of housing provident fund. Family members who have the ownership of buying, building, rebuilding or overhauling houses can withdraw the storage balance in their housing provident fund accounts. If it is a spouse relationship, you should also provide a marriage certificate or household registration book and the above-mentioned relevant certification materials.
Can housing accumulation fund be used for decoration?
In April this year, Mr. Peng bought a house with a down payment of 285,000 yuan. In the process of mortgage for the house, he also experienced the "earthquake" brought by macro-control such as raising interest rates. Careful, he found that it seems more cost-effective to use housing provident fund loans than commercial loans. With the help of banks and developers, Mr. Peng paid the down payment with the money accumulated by himself and his girlfriend on weekdays, applied for a housing provident fund loan of 200,000 yuan, and finally bought it. Just then, Mr. Peng found that the new house was about to be handed over, but he had no money to decorate it. He saw a large amount of deposits in the housing provident fund passbook, so he called our reporter and asked if he could extract it for decoration.
The person in charge of the Municipal Housing Provident Fund Management Center told the reporter that since the housing provident fund is the welfare long-term housing savings of individual employees, it can only be used for employees to purchase, build, renovate and overhaul their own houses and cannot be used for other purposes. Therefore, Mr. Peng can't extract it as a decoration fee.
Can the housing provident fund be used as a down payment?
It is understood that the housing provident fund can also be used to pay the down payment for house purchase, but the withdrawal cannot exceed the contract down payment. When employees apply, they need to fill in the Jiangmen Housing Provident Fund business approval form. After the unit adds comments and seals, it shall go through the examination and approval procedures at the municipal housing provident fund management center with the purchase contract and down payment loan contract. After the approval, they can go through the transfer formalities in the bank to which the housing provident fund belongs, and the bank will directly transfer the money to the developer's special account.
The person in charge of the city housing provident fund management center said that if Mr. Peng applied for the provident fund as a down payment when buying a house, he could withdraw the provident fund. Now, he can only withdraw the housing provident fund to repay the mortgage principal and interest payable within one year, and can only withdraw it once a year. If he repays in advance, the withdrawal amount shall not exceed the balance of the housing provident fund loan.
Is there a time and limit for applying for provident fund?
Reportedly, employees who purchase self-occupied housing by one-time payment need to apply within two years after paying the house price, and can only apply for withdrawal once, and the withdrawal amount shall not exceed the purchase price; If the provident fund is used to repay the principal and interest of the loan, an application shall be made within the repayment period, and the withdrawal amount shall not exceed the amount of interest payable in that year; Workers who build, renovate or overhaul occupied housing can only apply for withdrawal once within the validity period of construction approval, and the total amount of housing provident fund withdrawn cannot exceed the cost of building, renovating or overhauling occupied housing. Workers who withdraw provident fund for renting houses for self-occupation may apply for it during the lease contract period, once every full year, until the total amount of housing provident fund withdrawn reaches the actual rent paid. When canceling the account, the employee can fully withdraw the principal and interest balance in his housing provident fund account, and cancel the employee housing provident fund account at the same time.
How can I quickly withdraw the provident fund?
If employees want to withdraw housing provident fund more quickly and conveniently, applicants should first know what conditions can be used to withdraw housing provident fund, and then strictly follow these conditions to determine whether they meet the conditions for withdrawal. Secondly, those who meet the extraction conditions should be prepared to extract the required relevant information. Three, understand the procedures for provident fund, correctly and clearly fill in the relevant forms, mainly including the applicant's name, ID number, unit and individual housing provident fund account number, provident fund account balance, trustee's name and ID number. , and then withdraw money according to the procedure. In this way, we will not take less detours and run more roads, and quickly complete the procedures for withdrawing the provident fund.
Can I apply for a provident fund loan to buy a house in a different place?
In principle, as long as you buy a house in any town in Wuyi area, you can apply for a housing provident fund loan, but not necessarily in cities outside Wuyi area, such as Guangzhou and Shenzhen. Because the provident fund management is territorial, whether you can apply depends on how the local policy stipulates it. For example, if employees want to apply for loans in other places, Jiangmen Housing Provident Fund Management Center will issue payment certificates for employees.
If you apply for a home loan when you buy a house, the balance of your housing provident fund cannot be directly withdrawn and should be used to repay the loan. The premise is that you have not applied for a house loan: if you have paid off the house price and obtained the property right certificate, you can open a withdrawal certificate in the unit where the provident fund account is located with the property right certificate, the house purchase contract, the house purchase invoice and your ID card, and then use this certificate to withdraw from the Construction Bank in the area where the newly purchased house is located. If you want to withdraw the storage balance of the housing provident fund and pay it directly to the developer, you can open a housing provident fund withdrawal certificate with the purchase contract, purchase invoice and ID card to the housing provident fund management center and the unit where the provident fund account is located, and then go through the relevant formalities with the Construction Bank in the area where the newly purchased house is located.
What are the loan conditions for renovation of provident fund?
What are the loan conditions for renovation of provident fund? 1. Identity certificates of the borrower and spouse (ID card, household registration book, marriage certificate or divorce certificate, judgment or ruling, unmarried or divorce certificate issued by the unit, etc.). ); 2. Proof of stable economic income (proof of unit wage income, etc.). ); 3, housing provident fund deposit certificate; 4. The purchase contract and agreement signed with the selling unit (approved by the land planning department of self-built housing); 5. I and my spouse * * * fill in the loan application approval form; 6. There must be a receipt for the house payment (down payment) of not less than 20% of the total house payment (self-financing proof of not less than 30% of the total house payment is required for the purchase of private houses, construction and overhaul of self-occupied houses); 7. List of pledge rights and ownership certificate issued by the borrower (or written commitment issued by the guarantor agreeing to provide guarantee). Provident funds can be decorated with provident fund loans. Decoration with provident fund loan means that the borrower pays the housing provident fund in full and on time. When purchasing, constructing or overhauling self-occupied real estate, the purchased (constructed) real estate or other industries with full rights are used as pawns or pledges, or a third party is jointly and severally liable to guarantee the loan supply and repay the principal and interest, and applies to the real estate provident fund management center for real estate loans with real estate provident fund as the source of funds. 1, provident fund borrowers must have permanent residence or useful household registration status in towns and villages of this city; 2. Push forward from the date of loan application, and pay the housing provident fund in full for more than 12 months (if both husband and wife pay the provident fund, only one person is allowed to borrow); 3. Contracts (agreements) and related materials required by laws and regulations for the purchase, construction and overhaul of self-occupied real estate; 4. Provident fund loans need a certain share of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of real estate, the self-raised funds shall not be less than 30% of the total house price), and the self-raised funds here may be the receipt of house payment (down payment) not less than 20% of the total house price; 5. The applicant has a stable economic income and can only repay the loan principal and interest (monthly income certificate issued by the unit); 6. It is agreed that the purchased property or property with complete proprietary rights or the property of a third party shall be used as collateral, or securities or bank time deposit certificates recognized by the lending bank shall be used as pledge, or legal persons, arrangements or third parties recognized by the lending bank shall provide guarantee. What problems should be paid attention to in provident fund decoration loan? If you want to apply for a decoration loan, you must know more about this knowledge. In addition to the above, we should also pay attention to the following issues: 1. Those who have applied for commercial housing mortgage loans and have not settled them can also apply for provident fund renovation loans for housing renovation. However, in general, the sum of the applied loan amount and the original mortgage loan amount cannot exceed 70% of the total housing price, and the specific standards are implemented according to the actual situation in various places. For example, Miss Ge in the last case, the maximum amount should be 45,000 (35×70%-20=4.5). 2. The advantage of provident fund renovation loan is not only that it is convenient and fast to handle, but also that the interest rate is the same as that of provident fund housing loan, which is lower than that of commercial loan by more than 1 percentage point. It is more cost-effective to deposit interest, and the repayment method is free and flexible. 3. There will be assessment fees, handling fees, professional guarantee fees and other related expenses in the process of handling the provident fund renovation loan, so you must be prepared before handling it. Provident fund loans can be renovated, but certain conditions must be met. In fact, provident fund loans are the same as ordinary loans, but provident fund loans must have good credit. If the credit is bad, the bank will not issue loans. In today's society, reputation can be spent in the present, and everyone should safeguard their reputation.
This is the introduction of Jiangmen provident fund reform loan and the end of Jiangmen provident fund reform loan interest rate. I wonder if you have found the information you need?