What are the loan conditions of Jinan provident fund? What conditions can I apply for Jinan provident fund loan? For many Jinan buyers who want to buy a house through provident fund loans, this is an urgent problem to be solved. The arrangement for you is as follows:
Jinan provident fund loan conditions:
1. A natural person with full capacity for civil conduct, with stable economic income and loan repayment ability, and good personal credit status;
2. The borrower and his unit have established a housing provident fund system, and the housing provident fund has been paid in full at the time of loan for not less than the specified time, and no housing provident fund loan has occurred or has been fully paid off;
3. There is a legal purchase contract or agreement, and the borrower shall be the property owner agreed in the purchase contract. The purchased houses include newly-built commercial houses, affordable housing, housing raised by units, resettlement houses in shanty towns, existing commercial houses (second-hand houses), self-built houses built by employees, renovated houses and overhauled houses. (excluding commercial housing, villas, low-density housing, etc.). ) within the administrative area of this Municipality;
4. The down payment of the purchased house that has been delivered shall not be less than the prescribed proportion;
5. If it is agreed that the purchased house or other real estate recognized by the provident fund center can be used as collateral, or movable property or rights can be used as pledge, the unit that sells the purchased house shall provide installment loan guarantee for its purchase of new commercial housing loans.
(The above answers were published on 20 13- 12-09. Please refer to the actual situation for the current purchase policy. )
Sohu Focus provides you with comprehensive information on new houses, second-hand houses, renting houses and home improvement.
2. What are the procedures and precautions for Jinan Provident Fund to buy a house?
First, the process of buying a house with provident fund loans
1. Preliminary review: The Housing Provident Fund Management Committee conducts a preliminary review of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, a notice of mortgage review and evaluation will be issued.
2. Appraisal: The applicant takes the Notice of Collateral Appraisal to the designated appraisal institution to appraise the value of the purchased house. However, affordable housing does not need to be evaluated.
3. Review: The applicant submits the evaluation report issued by the evaluation agency and the preliminary examination materials required for loan review. If it meets the requirements, it will issue a Notice of Investigation on Entrusted Loans for Housing Fund Management Guarantee.
4. Handling the guarantee formalities: The applicant shall handle the guarantee formalities by choosing the guarantee method on the basis of the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.
5. Sign a loan contract.
6, the housing fund management department and the entrusted bank signed a loan agreement.
Second, the provident fund loan to buy a house matters needing attention
1, limit
Provident fund loans are generally limited in amount. Taking Beijing as an example, the first home loan is 6.5438+0.2 million yuan, and the second home loan is 800,000 yuan. In addition, in some cities, such as Guangzhou, the balance of the provident fund account will affect the calculation of the loan amount. In other words, the balance of the provident fund account is small, and the loan amount that can be applied for is lower.
2. It takes time to deposit.
In addition to loan restrictions, most cities also have requirements for the time of deposit of provident fund. Some cities require borrowers to pay the provident fund in full for more than 6 months when applying for loans, and the provident fund account is in the state of payment, such as Shanghai. However, some cities require a continuous deposit of 12 months (inclusive) to get loans, such as Tianjin.
3. More information is needed, and the loan time is long.
Generally speaking, there are many materials needed to take provident fund loans, and some properties do not support provident fund loans. In addition, even if it can be used, it will face the problem of long loan time compared with commercial loans.
Three. Jinan provident fund loan conditions Jinan provident fund loan application conditions
What are the loan conditions of Jinan provident fund? What conditions can I apply for Jinan provident fund loan? For many Jinan buyers who want to buy a house through provident fund loans, this is an urgent problem to be solved. The arrangement for you is as follows:
Jinan provident fund loan conditions:
1. A natural person with full capacity for civil conduct, with stable economic income and loan repayment ability, and good personal credit status;
2. The borrower and his unit have established a housing provident fund system. At the time of loan, the housing provident fund has been continuously paid in full for not less than the specified time, and no housing provident fund loan has occurred or has been fully paid off;
3. There is a legal purchase contract or agreement, and the borrower shall be the property owner agreed in the purchase contract. The purchased houses include newly-built commercial houses, affordable housing, housing raised by units, resettlement houses in shanty towns, existing commercial houses (second-hand houses), self-built houses built by employees, renovated houses and overhauled houses. (excluding commercial housing, villas, low-density housing, etc.). ) within the administrative area of this Municipality;
4. The down payment of the purchased house that has been delivered shall not be less than the prescribed proportion;
5. If it is agreed that the purchased house or other real estate recognized by the provident fund center can be used as collateral, or movable property or rights can be used as pledge, the unit that sells the purchased house shall provide installment loan guarantee for its purchase of new commercial housing loans.
(The above answers were published on 20 13- 12-09. Please refer to the actual situation for the current purchase policy. )
Sohu Focus provides you with comprehensive information on new houses, second-hand houses, renting houses and home improvement.
Four, Jinan provident fund loan conditions and requirements
Personal housing provident fund loan refers to the borrower's application for housing loan with housing provident fund as the source of funds when purchasing self-occupied housing, with the purchased housing or other property with ownership as collateral, or with movable property and rights as pledge. The loan conditions of Jinan provident fund include: 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. 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 that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.