Legal analysis: 1. Resume refers to the loan policy of Changsha Center to handle the off-site loans for employees to purchase self-occupied housing in Changsha in other centers in the province (including Changsha, Liu Wang and Nanjing).
2. The down payment ratio of the first ordinary self-raised loan shall not be less than 20%.
3, for the per capita construction area has not yet reached the standard of the city's per capita construction area of housing, and then buy ordinary free housing interest rate increased from 50% to 40%.
4. If a finely decorated house is purchased as the first suite of the family, the down payment ratio shall not be less than 40%, and the purchase ratio for payment shall not be less than 50%.
5. Adjust "the monthly repayment of loan principal and interest by the borrower shall not exceed 45% of the monthly salary income of the borrower and its spouse" to "the monthly repayment of loan principal and interest by the borrower shall not exceed 50% of the monthly salary income of the borrower and its spouse".
6. If the borrower pays the housing provident fund through an agency, and it has been paid continuously for more than 24 months (including 24 months) and has not been paid off or transferred during this period, it may be exempted from providing proof of social security payment.
7. Cancel the time limit of 6 months after the settlement of the previous housing provident fund loan.
Judging from the announcement and content of its adjustment, Hunan's housing provident fund individual housing has been tightened in some places. For example, if the per capita building area has not reached the area standard, the down payment interest rate will increase, which is to better cooperate with the purchase restriction policy of Changsha property market.
Legal basis: Notice of People's Republic of China (PRC) and Hunan Province on Adjusting Some Housing Provident Fund Policies.
plan
(1) The time for borrowers to apply for loans after purchasing, constructing, renovating and overhauling their own houses is adjusted from 2 years before applying for loans to 1 year.
(If you apply for a second housing provident fund loan and a bank mortgage loan to a provident fund loan, the sum of the age of the mortgaged property and the loan period is no longer limited, but the loan period does not exceed the service life of the remaining houses, and the suite needs to be able to go through the mortgage registration formalities normally.
(3) If the property transferred from the business to the public has not issued a certificate of immovable property rights, the mortgaged property is no longer limited to the property that meets the mortgage conditions under the borrower's name, and can also be mortgaged.
(four) the proportion of the borrower's monthly repayment of loan principal and interest in the monthly salary income of the borrower and its spouse is adjusted from no more than 55% to no more than 50%. If the borrower currently has other loans, these loans will be included in the calculation of monthly repayment principal and interest.
Second, adjust the partial extraction policy.
(1) If the amount of mortgage loans purchased by employees with their own houses exceeds the total purchase price (subject to the taxable amount approved by the deed tax payment certificate), it is no longer prohibited to repay the loans.
(two) workers' families have both housing provident fund loans and commercial bank loans, and the balance of housing provident fund should be used to repay the housing provident fund loans first. Before the housing provident fund loan is paid off, the housing provident fund shall not be withdrawn to repay the principal and interest of the commercial bank loan.
(three) employees can entrust their immediate family members in the same household registration book to withdraw housing provident fund on their behalf. In addition to providing the extracted basic information, it is also necessary to provide the personal ID card of the agent and the household registration book that can prove lineal relatives.
Third, adjust some extracted data.
(1) When employees purchase commercial houses and affordable houses developed by real estate development companies, the purchase price invoices (receipts) will be adjusted to ordinary purchase value-added tax invoices in the application extraction information.
(2) If the employee fails to continue to deposit after leaving the company and the account has been sealed for half a year, it is no longer required to provide the contract (or resignation certificate) for dissolving or terminating the labor relationship with the unit.
(3) If an employee applies to quit a foreign country, Hong Kong, Macao and Taiwan, it is no longer necessary to provide a contract (or resignation certificate) for dissolving or terminating the labor relationship with the unit.
(4) In the information required for the extraction of new elevators, the copies of the construction project planning permit, the construction project construction permit and the installation notification filing certificate are uniformly changed to the Joint Filing and Completion Acceptance Form for New Elevators in Existing Multi-storey Residential Buildings in Changsha.
2. What are the loan conditions of Hunan Provident Fund?
To withdraw the provident fund, your provident fund account needs to be in the state of deposit for 6 consecutive months.
With ID card, household registration book, proof of marital status, purchase contract and payment voucher, go to the finance office for consultation and extraction procedures.
You can also rent a house, overhaul your house, leave your job, retire, get seriously ill, or inherit after death.
3. What are the loan conditions of Hunan Provident Fund?
Provident fund loan conditions:
1. Have legal and valid identity documents;
2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;
3. Have a stable income and the ability to repay loans;
4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;
5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;
6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses;
7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;
8 overhaul housing, approved by the planning and management department;
9. Being able to provide effective guarantee recognized by the management center;
10. Other conditions stipulated by relevant laws, regulations and policies.
Provident fund loan process:
1. The borrower applies for a loan at the accepting bank;
2. Accept the outlets to inquire about the property status under the family name;
3. Accept the acceptance of outlets;
3. sign a contract;
4. examination and approval;
5. The real estate trading center shall handle the mortgage registration procedures;
6. Bank loans.
The information required to apply for housing provident fund loans is as follows:
1. Approval Form for Housing Provident Fund Loan Application in triplicate (to be filled in at the local housing provident fund management center);
2. The original and three copies of the household registration book, resident identity 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. Legal and valid original purchase contract. 3 copies of business license of housing development unit, pre-sale permit of commercial housing (auction house), sales permit of commercial housing, completion acceptance certificate and big house certificate;
4. Where mortgage or pledge guarantee is involved, the original and three copies of the ownership certificate of the mortgaged property or pledge right, and three original written certificates of consent of the disposition holder to mortgage (pledge) shall be provided;
5. Where the guarantee is involved, the guarantor shall issue 3 originals of written commitment to provide the guarantee and 3 copies of supporting materials (including business license, financial statements of 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 orders, etc.). The borrower has paid more than the specified proportion of the house purchase price.
Four, Hunan province provident fund loan conditions and requirements
Legal subjectivity: the loan conditions of provident fund are as follows: 1. A natural person with full capacity for civil conduct has not exceeded the statutory retirement age stipulated by the state and has paid the housing provident fund in the housing provident fund management center. 2. Employees with permanent residence in cities and towns or valid residence identification. 3. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans. 4. There is a contract or agreement to purchase a house, and the down payment amount is not less than 20% of the value of the house purchased. 5. Have a relatively stable professional and economic income, have the corresponding repayment ability, and have a good personal credit. 6, can provide housing provident fund management center approved by the way of guarantee.
Legal objectivity: Article 25 of the General Principles of Loans: If a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans; Three, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender.