Hangzhou provident fund loan housing loan conditions:
1. Pay the housing provident fund in full according to the regulations, and it has been paid continuously for more than 6 months (inclusive) when applying for the loan.
2. The purchased house is an ordinary house occupied by the city, with a purchase and construction contract and relevant supporting materials in compliance with the law, and it is agreed to use the purchased built house as a loan guarantee.
3. After purchasing commercial housing (affordable housing), we have signed a cooperation agreement with Hangzhou Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center), signed a contract (the payment method is agreed as mortgage loan) and paid the down payment, and applied for a loan.
4. When buying a second-hand house, the real estate agency has put it on record in the provident fund center, and after signing the contract (the payment method is agreed as mortgage loan) and paying the down payment, it can apply for a loan before going through the formalities of real estate transaction transfer.
5. The purchase of public housing must be approved by the housing reform department. After signing the contract and paying off all the house price, apply for a loan before handling the transfer formalities of property right transaction.
6. For resettlement houses, the ownership certificate of resettlement houses has been completed by the unit. After signing the contract and paying off all the house payment, apply for a loan before handling the transfer formalities of real estate transaction.
7. The construction, renovation and overhaul of owner-occupied housing should be state-owned land, and the Housing Construction Planning Permit or the documents approved by government departments to build and repair housing should be obtained, and the loan should be applied within 12 months after the project is completed and paid in full.
Two sets of housing provident fund loan policies in Hangzhou
Workers' families meet the following conditions, and two sets of housing provident fund loan policies shall be implemented for purchasing ordinary self-occupied houses, with the down payment ratio of not less than 60%, and the provident fund loan interest rate shall be subject to the benchmark housing provident fund loan interest rate of the same period 1. 1 times:
(1) There is no house in the employee's family name, and there is a housing loan record and it has been settled.
② The employee's family name already owns a house, and there is no housing loan record or there is a housing loan record and it has been settled.
(3) The employee's family already owns a house and has an outstanding commercial housing loan record.
You cannot apply for a second-home provident fund loan under the following circumstances:
① There are 2 or more houses under the family name, or the provident fund loan has not been settled.
(2) I have applied for provident fund loans twice, regardless of whether I have a house under my current family name.
(3) It owns a house under its name, and there are other outstanding commercial housing loan records besides this house.
There are two or more outstanding commercial housing loans.
Determination of the loanable amount of Hangzhou provident fund loan to buy a house;
1. The loanable amount is calculated as 15 times of the average monthly balance of the employee's housing provident fund account when applying for housing provident fund loans (the multiples of Hangzhou's main urban area, Xiaoshan District, Yuhang District and Fuyang District are currently determined as 15 times).
2. The average balance refers to the average balance of the housing provident fund account at the end of the month when the employee applies for a loan (if the deposit time is less than 12 months, it is determined according to the actual number of months) (excluding the one-time deposit for nearly 12 months). The calculation result of employee's personal loan amount is rounded to thousands. Less than 6.5438+0.5 million yuan, determined to be 6.5438+0.5 million yuan, more than 500,000 yuan, determined to be 500,000 yuan.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
When I bought a house in Hangzhou, I used a commercial loan. Can it be converted into a housing provident fund loan now?
To convert a commercial loan into a provident fund loan, the borrower shall meet the following seven conditions:
1. Meet the application conditions for housing provident fund loans in this Municipality;
2. The borrower must be the borrower or spouse of the original housing loan (required by the buyer);
3. The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;
4. The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;
5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure;
6. Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;
7. Did not apply for housing provident fund loans.
Materials required for the conditions of transferring commercial loans to provident fund loans (all materials must be original):
1. Original house purchase contract;
2. The original purchase invoice issued by the tax department;
3. Original property certificate and land certificate;
4. The original ID cards of both husband and wife (valid for more than one year);
5. Original marriage certificate or single certificate (the single certificate is stamped with the official seal of the unit);
6. Original residence booklet;
7. Original bank settlement voucher and repayment voucher;
8. Original loan contract signed with the bank.
Can Hangzhou commercial loans be converted into provident fund loans?
As we all know, the expected annualized interest rate of provident fund loans is lower than that of commercial loans, but provident fund loans can only be applied if certain conditions are met. Then, if commercial loans are made under insufficient conditions, and the later conditions can meet the provident fund loans, can they be converted from commercial loans to provident fund loans?
It is understood that some places have opened commercial loans to provident fund loans, some places have not yet opened, and some areas in Hangzhou have been opened. I have compiled the following contents for your reference only. Please go to Hangzhou Provident Fund Management for details.
Commercial loans and provident fund loans are two kinds of nature, and the procedures for converting commercial loans into provident fund loans are complicated. The applicant shall meet the following conditions:
1. The applicant agrees to settle the loan in advance at the original commercial housing loan bank;
2. The applicant has repaid the original commercial housing loan for more than one year (inclusive) and there is no overdue loan balance;
3. Comply with relevant national policies;
4, in line with the relevant provisions of the provincial and local housing provident fund deposit location.
Generally speaking, in order to handle the refinancing business, in addition to providing the personal data of the applicant and spouse and the relevant materials for purchasing and building, it is also necessary to provide the personal housing consumption loan contract signed by the original commercial bank, the loan balance or the relevant certification materials for repaying the loan in advance. It should also be noted that it is necessary to apply to the sub-center and management department of the municipal housing provident fund management center in advance and fill in the application form for local commercial individual housing loans to individual housing provident fund loans. The loan transfer formalities can only be handled after the approval of the sub-center and the management department.
In addition, the applicant must first apply to the original commercial loan bank to transfer to the provident fund loan. After the bank agrees, he will go to the housing appraisal company designated by the provident fund management center to evaluate the house. In addition, he also needs to go through the formalities of remortgage. The whole process needs to go through the formalities at the provident fund management center, the original loan bank, the bank where the provident fund account is located, the appraisal company, the real estate management bureau and other departments.
What are the requirements for applying for housing provident fund loans in Hangzhou?
Employees applying for housing provident fund loans shall meet the following basic conditions:
1. The housing provident fund shall be paid in full and normally as required, and it has been paid continuously for more than 6 months (inclusive) when applying for a loan.
2. The purchased house is an ordinary house occupied by the city, with a purchase contract and relevant supporting materials in compliance with the law, and it is agreed to use the purchased house as a loan guarantee.
3. If the commercial house is purchased, the sales building has been approved by the center, and after signing the contract (the payment method is agreed as mortgage loan) and paying the down payment, the loan application is filed.
4. If you buy a second-hand house, the real estate agent can apply for a loan after filing in the center, signing a contract (the payment method is agreed as mortgage loan) and paying the down payment, and before handling the transfer formalities of real estate transactions.
5, the purchase of public housing, should be signed in the contract, pay all the house price, can handle the real estate transaction transfer procedures, apply for a loan.
6, demolition and resettlement, should be in the signing of the contract, all the house price has been paid, the real estate transaction transfer procedures, put forward a loan application.
It should be noted that if there are two or more houses under the name of the employee's family, or if the provident fund loan is not settled, the provident fund loan will not be issued.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
What are the conditions for Hangzhou to use provident fund loans? Can I make a down payment of 20%?
What are the conditions for eligible individual housing provident fund loans? The main contents are as follows: 1. The borrower has full capacity for civil conduct; 2. Have the official residence or valid residence status in this city; 3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan; 4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year; 5, can provide a valid contract or agreement for the purchase of owner-occupied housing; 6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house; 7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds; 8. The borrower agrees to handle housing mortgage loan and insurance; 9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials; 10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month. Conditions of provident fund loan: 1. Having 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 acceptance outlet; 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 photocopy of the ownership certificate of the mortgage or pledge right shall be provided, and the original of the written certificate that the person with the disposition right agrees 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. Basic loan conditions: (1) To apply for housing provident fund loans, the following basic conditions should be met at the same time: 1. The housing provident fund shall be paid in full and normally according to the regulations, and it has been paid continuously for more than 1 year when applying for a loan. 2, the purchase of housing for the city's self-occupied ordinary housing, the purchase contract and related certification materials in line with the law. 3. If the commercial house is purchased, the sales building has been approved by the center, and after signing the contract (the payment method is agreed as mortgage loan) and paying the down payment, the loan application is filed. 4. If you buy a second-hand house, the real estate agent can apply for a loan after filing in the center, signing a contract (the payment method is agreed as mortgage loan) and paying the down payment, and before handling the transfer formalities of real estate transactions. 5, the purchase of public housing, should be signed in the contract, pay all the house price, can handle the real estate transaction transfer procedures, apply for a loan. 6, demolition and resettlement, should be in the signing of the contract, all the house price has been paid, the real estate transaction transfer procedures, put forward a loan application. (2) The condition of the second housing loan is 1, which meets the basic conditions of the loan, and the customer's family (borrower and spouse) has not used the provident fund loan or the provident fund loan has been paid off. 2. The existing per capita housing construction area of the client's family (borrower, spouse, minor children) is lower than the average level of last year published by the statistics department of this Municipality (note: the per capita housing construction area of Hangzhou in 20 12 years is 34.39 square meters), and it meets the national second-home certification standard. (3) Down payment ratio 1. If commercial housing (including affordable housing) is purchased and the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; Xing Tao construction area of more than 90 square meters, the loan down payment ratio is not less than 30%; At the same time, it is not lower than the minimum down payment ratio agreed in the real estate cooperation agreement. 2, the purchase of second-hand housing, housing construction year after 2000 (inclusive), the loan down payment ratio is not less than 30%; If the building is built before 2000, the down payment ratio of the loan shall not be less than 40%. (If there is still real estate under the name, and the per capita area of real estate is less than 30.85 square meters, and the per capita only includes husband and wife and minor children, you can apply for a second provident fund loan). The down payment ratio of the second housing provident fund loan is not less than 60%. ? Provisions on the loan amount, term and interest rate of Hangzhou Provident Fund: 1. Amount: If the customer meets the loan application conditions, the maximum loan amount is 500,000 yuan. Customers and their spouses meet the loan application conditions, and the maximum loan limit for each household is 800,000. The specific loan amount is comprehensively determined according to the customer's monthly deposit, house price, down payment ratio and personal credit status. ? Note: The current monthly deposit amount is 182 yuan, but it does not exceed 366 yuan, and the maximum loan amount is 1.5 million yuan; The maximum loan amount from 366 yuan to 879 yuan is 300,000 yuan, and the maximum loan amount from 879 yuan to 500,000 yuan. The maximum application amount for a family is 800,000 yuan. If the borrower's housing provident fund loan amount is insufficient, he may apply for a housing provident fund portfolio loan. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with housing provident fund loans. 2. Term: The longest loan term is 30 years, which shall not exceed the statutory retirement age of the client and his spouse for 5 years (male 65 years old, female 60 years old). Among them, the second-hand housing loan period plus the housing age does not exceed 40 years. 3. Interest rate: the loan interest rate is subject to the housing provident fund loan interest rate stipulated by the People's Bank of China on the day of loan issuance. If the loan term is within 1 year (including 1 year), the contract interest rate shall be implemented, and the legal interest rate shall not be adjusted; If the loan term exceeds 1 year, when the legal interest rate is adjusted, the new interest rate standard will be implemented according to the corresponding interest rate grade from next year. ? Provisions on repayment methods: the repayment methods of housing provident fund loans include equal principal and interest repayment and equal principal repayment. ? Loan guarantee terms: the developer will guarantee the repurchase by stages. ? Repayment method of provident fund loan: The repayment method of housing provident fund loan includes equal principal and interest repayment and equal principal repayment, which is selected by the borrower when applying for a loan. Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate; The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months; The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%; The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan; Sign a house purchase contract or contract with the sales office; Meet other conditions stipulated by the trustor and the trustee. To apply for housing provident fund loans, you need to meet the following conditions: 1, have permanent residence or other valid residence status in this city, and have 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.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
Basic conditions for Hangzhou to apply for provident fund loans in 2022
Basic conditions for Hangzhou to apply for provident fund loans in 2022
Those who purchase commercial housing have signed a cooperation agreement with Hangzhou Housing Provident Fund Management Center to sell the real estate. After signing the contract (payment method is provident fund loan or provident fund commercial portfolio loan) and paying the down payment, apply for a loan.
Basic conditions for applying for provident fund loans
1. The housing accumulation fund has been paid in full and normally according to relevant laws and regulations, and has been paid continuously for more than 6 months (inclusive) when applying for a loan;
2. The purchased house is an ordinary owner-occupied house in this city, which conforms to the purchase and building contract and relevant certification materials stipulated by relevant laws, and agrees to purchase and build the house as a loan guarantee;
3. For the purchase of commercial housing, a cooperation agreement has been signed with Hangzhou Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center) for real estate sales;
Buying second-hand houses, the real estate agency has filed with the provident fund;
The purchase of public housing must be approved by the housing reform department, and all the house price has been paid;
At the time of demolition and resettlement, the demolition and resettlement house has been handled by the demolition unit, and all the house price has been paid;
The construction, renovation and overhaul of owner-occupied housing should belong to the nature of state-owned land and obtain the housing construction planning permit or the approval of the approved department to build or repair the housing.
Employees who have two or more houses or outstanding housing provident fund loans under their family names may not apply for housing provident fund loans.
How does Hangzhou handle the cancellation of registration of provident fund deposit units?
In case of merger, division, cancellation, dissolution or reorganization of a unit, it shall go through the cancellation procedures at the central service outlets within 30 days from the date of occurrence.
I. Fill in the Registration Form for Cancellation of Housing Provident Fund Deposited Units in Hangzhou (with official seal) and provide the original ID card of the unit manager.
Two, provide the original certificate of cancellation of approval or cancellation of registration (if the enterprise can provide a unified social credit code, this material can be exempted).