You can apply for a housing provident fund loan if you deposit it normally for more than half a year. Loan fee 1, mortgage registration fee: charged by the real estate management department according to the standard (part of it is charged according to the standard of total loan amount 1- 3%, which is also regional) 2. Material fee: charged by the center according to the standards of 20 yuan/household (the standards of housing provident fund centers vary from place to place). ...
Second, how much does it cost to find a guarantee company for housing provident fund loans?
The amount guaranteed by the housing provident fund loan to the guarantee company is calculated according to the house price, not exceeding 2% of the house price; In addition, the general contract will stipulate an upper limit amount.
Housing provident fund loan process:
(1) Consultation of loan applicants
The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.
(two) the loan applicant to the loan handling department for preliminary examination and related evaluation.
1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.
2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.
3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure.
4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.
(3) The loan applicant waits for telephone notification.
1. The staff of the loan handling department will review the loan according to the materials required by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.
2. If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid; If the loan applicant chooses the non-guarantee center as the guarantee method, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract.
(4) The loan applicant signs relevant contracts.
1. According to the interview time notified by telephone, the loan applicant will go to the loan handling department to go through the signing formalities with the materials needed for the housing provident fund loan interview. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.
2. The loan applicant and * * * and the applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department.
(5) Bank loans
After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.
(6) Monthly repayment
The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.
3. How much is the handling fee of Jinan housing provident fund?
The benefits of around 3000 are guaranteed.
Fourth, how much provident fund has the intermediary withdrawn?
There is no need to charge any fees for withdrawing housing provident fund. If it is an intermediary, the agency fee is generally 30% of the amount you withdraw.
First, the extraction conditions of housing provident fund
(a) the purchase, construction, renovation and overhaul of owner-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.
(seven) to terminate the labor relationship with the unit and move the account out of the city;
Second, the extraction requirements of housing provident fund;
(1) Employees who are not registered in this Municipality terminate their labor relations with their units, fail to find employment in this Municipality and leave this Municipality;
(two) employees who enjoy the minimum living guarantee in the city;
(three) some employees lose their ability to work, causing serious difficulties in life;
(4) The employee suffers from special diseases specified by the Fujian Provincial Department of Labor and Social Security because of himself, his spouse, parents and children (see the "departmental documents" column on the website of the Provident Fund Center for details), which causes serious difficulties in family life.
(five) in accordance with the provisions of the preceding paragraph (two), (three) and (four), 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.
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.