To apply for housing provident fund loans, you need to meet the following basic conditions:
1, with permanent residence or other valid residence status in this city and full capacity for civil conduct;
2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions;
3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time;
4. Pay the housing provident fund in full monthly for 6 months before applying for the loan;
5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management;
6. There are no other large debts that may affect the loan repayment ability;
7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure;
8. Other conditions stipulated by laws and regulations.
Materials and procedures required for housing provident fund loans:
(1) 3 copies of the Approval Form for Housing Provident Fund Loan Application (to be filled in at the local housing provident fund management center).
(2) The original and three copies of the household registration book, resident ID card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department.
3 originals of legal and valid purchase contract. 3 copies of the business license of the housing development unit, the pre-sale permit of commercial housing (forward delivery), the sales permit of commercial housing, the certificate of completion acceptance and the certificate of big house.
(4) Where mortgage or pledge guarantee is involved, three originals and photocopies of the ownership certificate of the mortgaged property or pledge right shall be provided, and three originals of the written certificate of consent of the disposition right holder to mortgage (pledge) shall be provided.
⑤ In case of guarantee, the guarantor shall issue three originals of written commitment to provide guarantee, and provide three copies of supporting materials (including business license, financial statements for the last three years, qualification certificate, credit certificate, etc.). The guarantor has the ability to guarantee.
⑥ Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment bills, etc.). Prove that the borrower has paid more than the specified proportion of the house price.
After the above documents are fully prepared, the lender will personally go to the local housing provident fund management center to handle the loan formalities with his ID card and household registration book. Housing property ownership of more than 2 people must be present at the same time.
What is the interest rate of Xiangtan provident fund loan?
The current provident fund loan interest rate is 3.25% for five years and above, and 2.75% for five years and below.
The procedures for handling provident fund loans are as follows:
1. The borrower goes to the branches of the provident fund center to collect and truthfully fill out the Application Form for Housing Provident Fund Loan, and submit relevant materials to the provident fund center for review;
2, provident fund center branch through the examination of the borrower's purchase authenticity and repayment ability, put forward suggestions on the loan amount and duration, after passing the preliminary examination and signed by the person in charge of the branch, and then reported to the municipal provident fund center for approval;
3, the city provident fund center to approve or disapprove the loan decision, the loan materials will be returned to the branches;
4. If the loan is granted, the branches of the Provident Fund Center will transfer the loan materials to the entrusted bank, and the entrusted bank will notify the borrower and the mortgage guarantee parties to sign the Housing Provident Fund Loan Contract and handle the mortgage guarantee procedures; For those who do not meet the loan conditions, each branch shall notify the loan applicant and explain the reasons;
5. The entrusted bank issues loans to borrowers.
Time limit for handling provident fund loans:
1, subject to review. The initial trial time of the branch shall not exceed 2 working days from the date of accepting the loan application, and may be extended by 3 working days in case of large batch or other special circumstances;
2. Review and approval. After receiving the loan materials submitted by each branch, the Municipal Provident Fund Center shall examine and approve them within 3 working days.
How to handle the renovation of Xiangtan provident fund loan
(1) Application conditions for provident fund renovation loan 1) Have permanent residence or valid residence status in cities and towns, have stable occupation and income, have good credit, and have the ability to repay the principal and interest of housing provident fund renovation loan on time; 2) Before the date of applying for the housing provident fund renovation loan, the individual and his unit have paid the housing provident fund in full and on time for more than half a year; 3) The loan amount for renovation of housing provident fund is calculated according to the housing construction area, and the loanable amount per square meter depends on the applicant's region. (2) Interest rate of provident fund reform loan The interest rate of provident fund reform loan is consistent with the interest rate of provident fund housing loan, and it shall be implemented according to the interest rate stipulated by the People's Bank of China. (3) Use of Provident Fund Decoration Loan The use of Provident Fund Decoration Loan must be used for decoration. As for whether the applicant should sign the renovation contract with the decoration company, it depends on the specific provisions of the provident fund centers around the country. (4) Application materials for renovation loan of provident fund 1) Original and photocopy of ID cards of the borrower and the person with the highest repayment amount; 2) The original and photocopy of the borrower's household registration book and the original and photocopy of the marriage certificate; 3) Original and photocopy of house ownership certificate and land certificate; 4) renovation contract (according to the specific provisions of the local provident fund centers).
What conditions and materials are needed to apply for Xiangtan provident fund loan in different places?
The new policy of Xiangtan provident fund loan was introduced, and the provident fund loan was for the whole country. Those who deposit provident fund in other places can apply for provident fund loans to buy houses or build their own occupied houses in Xiangtan, and enjoy the same preferential treatment for local workers. Then, what conditions do you need to meet when applying for Xiangtan provident fund loans in different places? What is the process?
First, to apply for Xiangtan provident fund loans in different places, you need to meet the following conditions:
1. The applicant purchased a self-occupied house in Xiangtan City and is the owner or owner of the house purchased;
2. The applicant must pay the housing provident fund continuously and normally for more than 6 months (including 6 months), and there is no record of default for more than 3 months (excluding 3 months);
3. The applicant's family members have no outstanding housing provident fund loans;
4, the applicant's personal credit status is good and has the ability to repay the loan principal and interest;
5. Meet other conditions of Xiangtan housing provident fund loan.
Two, apply for Xiangtan provident fund loans in different places need to provide the following materials:
1. Applicants are required to provide the housing provident fund deposit certificate provided by the urban housing provident fund management center at or above the prefecture level. (Require both husband and wife to provide housing provident fund in different places; Original 1 copy shall be kept by the center, and the voucher format shall be provided by Xiangtan Housing Provident Fund Management Center).
2. The applicant needs to pay the certificate of housing provident fund in different places and the details of one-year payment. (One original and one copy, with a copy of the original inspection)
3. Other information is the same as the normal housing provident fund loan.
Employees who apply for loans can go to Xiangtan Housing Provident Fund Management Center and county (city) management departments to consult and obtain certificates of deposit and use of housing provident fund for employees with loans from different places, and handle relevant certificates. The handling personnel of the provident fund center can verify the situation, handle the deposit account opening procedures for employees who borrow from different places, and handle loans for employees who have applied for loans.
Employees who apply for housing provident fund loans in different places can enjoy the same preferential policies as Xiangtan employees, such as loan term, expected annualized interest rate and loan amount, with a maximum amount of 500,000 yuan, which will effectively meet the housing needs of employees who have paid in different places in Xiangtan.
What is the maximum amount and ceiling of Xiangtan housing provident fund loan, is it ok?
Hello!
The maximum amount of housing provident fund loans depends on the situation: if you apply for housing provident fund loans using your own housing provident fund, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan; I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the supplementary housing provident fund is normally paid by himself or his spouse when applying for a loan, the maximum loan amount is 700,000 yuan; When applying for a loan, employees or their spouses pay housing subsidies normally on a monthly basis, with reference to the provisions on normal payment of supplementary housing provident fund; The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one.
If in doubt, please ask.
What is the interest rate of Xiangtan housing provident fund loan? How to calculate?
I'll give you a provident fund interest rate table. The left column is the interest rate, and the right column is the repayment coefficient per ten thousand yuan 1-30 years.
Suppose you borrow 10 years, and multiply the loan amount by 10 corresponding to10 years, and the monthly payment is 3 167.4 yuan. If you borrow for 20 years, multiply the loan amount by 1963.2 yuan, and borrow for 30 years. You can make your own calculations according to your own requirements.
Benchmark annual interest rate
Repayment coefficient
4.45
853.56
436.25
297.25
227.8 1
186.20
4.90
160.59
140.87
126. 12
1 14.69
105.58
98. 15
9 1.99
86.80
82.37
78.56
75.24
72.33
69.76
67.48
65.44
63.6 1
6 1.96
60.47
59. 1 1
57.88
56.75
55.7 1
54.76
53.88
53.07