The housing provident fund loan meets the application conditions in this respect, and the application is submitted for approval.
Housing provident fund loan
1. Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans, but employees who have not participated in the housing provident fund system will not.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the income of employees who pay the housing provident fund is unstable, after the loan is issued,
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts with large capacity. When employees have other debts, it will be very big to give them again, which violates the housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan term of sex housing loans must be the same.
Housing provident fund application materials:
(a) the applicant and his spouse housing provident fund deposit.
(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;
(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
(four) the purchase of housing contracts, agreements and other valid documents;
(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;
(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.
(seven) other information required by the local provident fund center.
Housing provident fund application process:
(a) the applicant and spouse housing provident fund deposit certificate;
(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;
(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
(four) the purchase of housing contracts, agreements and other valid documents;
(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments.
2. What is the minimum down payment for Datong New Energy Vehicle?
Minimum down payment for new energy car loan 15%.
It is clear in the new car loan policy that the maximum loan ratio of self-use traditional power car loans is 80%, and the maximum loan ratio of commercial traditional power car loans is 70%; The maximum loan ratio for self-use new energy vehicles is 85%, and the maximum loan ratio for commercial new energy vehicles is 75%; The proportion of second-hand car loans is up to 70%. The minimum down payment for new energy vehicles is reduced from 20% to 15%, which is a favorable policy for consumers.
Third, why can't Chase combine loans?
In order to further deepen the reform of housing provident fund "simplify administration and decentralize power, strengthen supervision and improve service effect" and give full play to the role of housing provident fund in serving people's livelihood, Datong Housing Provident Fund Management Center organized a signing meeting for the entrusted business of housing provident fund portfolio loans.
In order to meet the diversified loan demand of employees, on July 17, the Municipal Housing Provident Fund Management Center signed the Supplementary Agreement on Personal Loan Business of Housing Provident Fund Financial Business in Datong with China Construction Bank, Agricultural Bank of China and Industrial and Commercial Bank of China respectively, which laid the foundation for the formal development of personal housing portfolio loan business in the next step. The signing of the agreement indicates that employees with provident fund cache in Datong City have more flexible choices in purchasing loans, which can effectively solve the problem that some employees' loans are insufficient at present.
Personal housing portfolio loan refers to the personal housing loan issued by the housing provident fund management center and the commercial bank to the same borrower for the purchase of the same set of self-occupied housing under the premise of meeting the loan conditions of the housing provident fund management center and the commercial bank. Previously, when employees paid housing provident fund to buy houses in Datong, they could only choose between housing provident fund loans and commercial loans. After the implementation of individual housing portfolio loans, it can break the situation of "low interest rate of provident fund loans, but insufficient quota" faced by some employees when buying houses. The dilemma of high commercial loan amount but high interest rate cost will solve the problem that many employees who want to use housing provident fund to buy houses at this stage, but the total price is high and the provident fund amount is not enough, and at the same time reduce the pressure of mortgage repayment, which will provide more financial support for Datong employees to buy houses, and it is also a new welfare for many buyers in Datong! Do not meet the application conditions of portfolio loan. For portfolio loans, it is the most basic requirement to pay the housing provident fund in full for more than 6 months, which meets the standard of provident fund loans. At the same time, the borrower must have the conditions to apply for bank commercial loans. ?
2. Although some borrowers meet the application conditions for portfolio loans, they can't apply for portfolio loans, because many homeowners don't agree to use portfolio loans, because it takes a long time to apply for portfolio loans when buying second-hand houses with loans. Moreover, when buying existing houses, many developers do not agree to apply for portfolio loans to buy houses, because developers usually borrow from banks before building houses, and promise that owners must borrow from banks when buying houses, resulting in no way to apply for portfolio loans.
Buy a house in full 1.jpg
What are the application conditions for buying a house with a portfolio loan?
1, with the ability to repay the principal and interest. Commercial loans stipulate that the monthly repayment amount should not exceed 50% of family income, which not only ensures the lender's quality of life, but also ensures that the lender can repay the bank loan on time and reduces the risk of bank funds.
2. stable work. Only when you have a stable job and a stable record of provident fund deposit can you meet the requirements of provident fund loan review.
3. Personal credit is good. The use of provident fund loans and commercial loans still requires credit reporting, so it is necessary to ensure personal credit reporting.
4. The age does not exceed the limit. Some banks also have restrictions on the age of applicants. In many banks, the sum of the loan period and the actual age of the lender cannot exceed 70 years old.
5, provident fund account 1 year or more and continuous deposit for 6 months. Property buyers want to apply for provident fund loans. First, they need to open a provident fund account for more than one year and deposit it for six months without interruption.
6. The age of the house plus the loan period shall not exceed 50 years. If the property buyers buy second-hand houses with loans, then in view of the age limit of second-hand houses, the age plus the loan period should not exceed 50 years, otherwise the provident fund loans will not be used up.
7. The house meets the loan conditions. Housing property rights must be clear. It is not a big problem for new houses, but if you buy second-hand houses, you must investigate the property rights of the houses before lending. Once there is a problem with property rights, provident fund centers and banks will refuse to grant loans. If the applicant buys a second-hand house, because the portfolio loan needs to be reviewed twice, the processing time will be relatively long, and many second-hand house owners are unwilling to handle the portfolio loan.
2. If you are buying a new house, the review process of buying a house with a portfolio loan is relatively long. For developers, the payment speed will be very slow, so many developers do not accept portfolio loans to buy a house.
Many developers have reached a binding agreement with the bank before building a house, promising that the owner must also borrow money from the bank when buying a house. In this case, there is no way to apply for a portfolio loan. Because the commercial housing loan business belongs to the bank's high-quality assets, when the bank signs the development loan contract with the developer, the additional condition is to handle the commercial housing loan. The portfolio loan launched by the core of the provident fund can only cooperate with designated banks, and if the bank that has reached a binding agreement with the developer is other than the provident fund cooperation, it may be difficult to handle the provident fund loan or the procedures are too troublesome, which is one of the reasons why the portfolio loan cannot be handled.
26 1.jpg
Advantages of portfolio loan
1, the loan amount is high.
Compared with a large number of restrictions on the loan amount of individual housing provident fund, the generally available loan amount can not meet the needs of buyers, while the combined loan can obtain a relatively high total loan amount.
2. The loan interest rate is relatively moderate.
The loan interest rate of portfolio loans combines the loan interest rates of pure provident fund loans and pure commercial loans, so the loan interest rate of portfolio loans is also in the middle of commercial loans and provident fund loans, which relieves the repayment pressure of lenders to some extent.
Disadvantages of portfolio loan
1. Limited handling bank.
Few banks can handle portfolio loans. Borrowers who apply for portfolio loans will find that the provident fund management center only cooperates with a certain bank, which will have great limitations for borrowers to apply for portfolio loans.
2. The procedure is very complicated
Handling portfolio loans is equivalent to handling provident fund loans and commercial loans. There are many preparation materials and complicated procedures. Moreover, the loan funds can only be issued and credited to the seller's account after the transfer of property rights and mortgage registration, which takes 2 to 3 months. Judging from the operation process of "portfolio loan", the seller will be reluctant if the loan time is too long.
3, the handling fee is high.
Both provident fund and commercial loans charge different amounts of guarantee fees and evaluation fees. If the borrower handles it through an intermediary company or a loan service agency, it still needs to pay a service commission. In this way, portfolio loans will cost more than pure provident fund loans or commercial loans.
4. The upgrade of home ownership is "implicated"
The disadvantage of portfolio loans is that borrowers will be "implicated" by the second suite policy when upgrading their housing. The commercial branch of the portfolio loan will remain in the central bank's credit information system, and will be identified as two sets when the home is upgraded. After the provident fund loan is paid off, the house will be sold, and the first house will be used again, which will be implemented according to preferential policies.
4. Why can't I apply for a portfolio loan after paying170,000 down payment and 400,000 yuan?
The house is the woman's name, and both parties are not married, so the seller has no problem.