How to borrow the provident fund decoration loan?
1. First of all, users need to submit an application for provident fund renovation loan to the provident fund management center and fill in the corresponding form.
2. Submit the materials required for the renovation loan to the provident fund management center for review.
3. After approval, you can sign a loan contract for provident fund renovation, and you need to go through the relevant loan procedures.
4. Finally, the bank will lend money. It should be noted that when applying for a provident fund renovation loan, not all cases can be applied directly. If it involves house overhaul, it needs the approval documents of relevant departments. In addition, applying for provident fund renovation loans has requirements for housing area and age. If it is not up to standard, it will lead to an increase in processing costs.
What are the decoration conditions for housing provident fund loans?
1, provident fund borrowers must have permanent residence or useful household registration status in towns and villages of this city;
2. Push forward from the date of loan application, and pay the housing provident fund in full for more than 12 months (if both husband and wife pay the provident fund, only one person is allowed to borrow);
3. Contracts (agreements) and related materials required by laws and regulations for the purchase, construction and overhaul of self-occupied real estate;
4. Provident fund loans need a certain share of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of real estate, the self-raised funds shall not be less than 30% of the total house price), and the self-raised funds here may be the receipt of house payment (down payment) not less than 20% of the total house price;
5. The applicant has a stable economic income and can only repay the loan principal and interest (monthly income certificate issued by the unit);
6. It is agreed that the purchased property or property with complete proprietary rights or the property of a third party shall be used as collateral, or securities or bank time deposit certificates recognized by the lending bank shall be used as pledge, or legal persons, arrangements or third parties recognized by the lending bank shall provide guarantee.
Information on handling provident fund renovation loan
1, my ID card. If I am married, I need to provide proof of husband and wife identity and marriage certificate.
2. Provide proof of repayment ability. If you have a job and need to provide your income, just go to the bank and print the running bill.
3. Provide proof that you have paid the housing provident fund. The time of proof of payment in each city is different, some may be half a year, and some may be more than one year.
4. Issue the purchase contract or relevant agreement signed with the sales department and the documents approved by relevant departments.
5. Fill in the loan application approval form.
6. Generally speaking, the voucher for down payment cannot be less than 20%. If it is used to decorate the house, the decoration cost should be no less than 30%.
What are the conditions for Taiyuan provident fund loan?
To apply for a loan, the borrower shall meet the following conditions:
(a) to apply for a loan according to the provisions of the municipal housing provident fund management, the housing provident fund has been paid in full for more than 6 months, and the borrower and his spouse have no housing provident fund loan debt, and have not provided loan guarantees or auxiliary loans to other provident fund borrowers.
(2) the owner of the house who purchases, builds, rebuilds, overhauls or decorates the house occupied by the city or the right to use the house purchased by the public, and the immediate family members who live together with the owner or the right to use the house;
(3) Having stable income, good credit and the ability to repay the principal and interest of the loan;
(four) with the purchase, construction, renovation, overhaul and decoration of owner-occupied housing related procedures and land, construction, planning and other departments of the approval documents and the provisions of the proportion of self financing;
(five) to provide a guarantee in accordance with the provisions of the "People's Republic of China (PRC) Guarantee Law" and approved by the management center;
(6) Other prescribed conditions.
Article 5 The management center shall issue loans to borrowers who commit the following acts:
(a) the purchase of public housing, affordable housing, fund-raising housing, commercial housing, secondary market housing (second-hand housing), to participate in fund-raising or cooperative housing units;
(two) the construction, renovation, overhaul and decoration of owner-occupied housing;
(three) to own or third-party housing ownership as collateral to buy the right to use public housing;
(four) for employees to repay the housing loans of commercial banks.
New Policy of Taiyuan Provident Fund Loan 202 1
202 1-2022 Shanxi provident fund loan conditions, 202 1 Shanxi housing provident fund loan process, 202 1 Shanxi provident fund loan policy, 202 1 Shanxi provident fund loan amount. Conditions of Taiyuan Provident Fund Loan (1) The borrower is the depositor of Shanxi Housing Provident Fund, who has paid the housing provident fund in full for more than 6 months (including 6 months) every month before the loan application date.
(2) Neither the borrower nor his spouse has any housing provident fund loan debt of our center.
(three) approved by the center to buy, build, rebuild, overhaul, rebuild owner-occupied housing and repay loans from commercial banks for owner-occupied housing consumption.
(four) the borrower must have a stable income and the ability to repay the principal and interest of the loan on schedule; The monthly repayment amount shall not exceed 50% of the family income provided by it; Family income can be supplemented by increasing the number of auxiliary borrowers.
(5) Being able to provide loan guarantees recognized by the Center.
(6) The borrower has a good reputation.
60% of the lower evaluation price or transaction price of the loan amount of Taiyuan Provident Fund (according to the current loan amount); The monthly repayment amount shall not exceed 50% of the total family salary.
A, the loan amount does not exceed 6.5438+0 million, and the monthly payment does not exceed 50% of the family's monthly salary.
B, the sum of the borrower's age and the loan application period shall not exceed the statutory retirement age in principle, but for employees who are within 10 years from the statutory retirement age, it may be extended to 5 years after the statutory retirement age upon my application and special approval.
C loan amount = (balance between the borrower's provident fund deposit account and the spouse's provident fund deposit account) × multiple (15 times )× deposit time coefficient.
The first step of Taiyuan provident fund loan process is loan consultation.
The loan applicant consults with the bank entrusted by the management center about the loan, receives the "Personal Housing Provident Fund Loan Folder for First-hand Houses", fills it out as required, and submits it to the entrusted bank together with the following materials:
Submit application
1. The original and photocopy of the ID card and household registration book of both husband and wife of the borrower;
2. Original and photocopy of marital status certificate (single certificate issued by the civil affairs department);
3. The original and photocopy of the house purchase contract filed by the real estate department, and the down payment receipt of not less than 20% of the total house price;
4. Other supporting materials required by the lending bank.
The third step, loan acceptance, bank preliminary examination.
1. The entrusted bank shall interview the loan applicant and review the application materials submitted by him;
2. Query and print the Personal Credit Report of the borrower and spouse, and review the personal credit situation and mortgage situation of both husband and wife;
3. The entrusted bank conducts "family housing information inquiry" for the loan applicant through the real estate department;
4. For borrowers who meet the loan conditions, the entrusted bank conducts a preliminary examination before lending in the provident fund system, and determines the loan amount, term, interest rate and repayment method through consultation with the borrowers according to the preliminary examination results and repayment ability.
5. The entrusted bank conducts preliminary examination in the provident fund system. If the preliminary examination fails, the borrower shall be notified in time and the reasons shall be informed. After the first trial of the loan is passed, the entrusted bank will personally sign a loan (mortgage) contract with the loan applicant and the purchaser, and fill in the relevant loan information such as real estate mortgage registration.
The fourth step is mortgage registration and bank audit.
The entrusted bank shall go to the real estate mortgage registration department for housing mortgage registration;
The entrusted bank shall review the full set of information of the loan applicant.
Step 5: Final audit and loan issuance of the management center.
The management center conducts a final review of the loan information passed by the entrusted bank. After the final review is passed, the management center passes the entrustment.
The bank will directly transfer the loan funds to the account of the sales unit. Shanxi Provident Fund Inquiry Shanxi Provident Fund Loan Shanxi Housing Provident Fund Management Center Shanxi Provident Fund Extraction Shanxi Provident Fund Deposit Ratio Shanxi Five Insurance and One Gold Inquiry Shanxi Provident Fund Personal Account Seal Shanxi Housing Provident Fund Remittance Shanxi Provident Fund Deposit Certificate Shanxi Housing Provident Fund Transfer
How to borrow provident fund loans for decoration?
Methods of applying for renovation provident fund loans:
1. Materials to be prepared for decoration provident fund loan application: ID card (if you have a spouse, you need to prepare the other party's ID card, and if you are married, you need a marriage certificate); Proof of income flow; Proof of payment of provident fund; Property ownership certificate/purchase contract, renovation contract, budget and decoration invoice, and receipt of down payment of no less than 20% for the house.
2. According to your own room type, after submitting the application, the bank will review the real estate agency and guarantee company, and will report the applicant's information and other information to the housing provident fund management center for review. The audit time is generally 40 days.
3. If the application is approved, the provident fund management center will notify the applicant and sign a loan contract with him.
Can Yuci's Dahongben real estate be decorated in Taiyuan provident fund account?
You can borrow money, which is in line with the conditions of Taiyuan provident fund loan.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. When buying, building, renovating or overhauling owner-occupied housing in cities and towns in this city, you can apply for housing provident fund loans from the bank with my own property housing as collateral and as a loan repayment guarantee. 2065438+September 2005, the specific operation procedures of provident fund loans in different places have been issued. It is stipulated that loans from different places need to issue a certificate of deposit of the provident fund in the city.
According to the relevant regulations of Taiyuan Housing Provident Fund Management Center, when using provident fund to decorate houses, you can't directly withdraw provident fund from the renovated houses, but only use housing provident fund loans.
Application process
1, submit information
When the borrower applies for a provident fund loan from the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide the guarantee, it shall submit all the materials required for the individual to apply for the loan, including ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.
2. audit notice
After the loan application has passed the preliminary examination, the management department will issue the Notice of Examination of Guarantee Application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit the personal loan information to the guarantee center.
Step 3 agree
The guarantee center shall review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center shall issue an approval letter for the guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the intermediary agency shall handle the guarantee application procedures and collect the guarantee service fee. (Note: The agency must have the qualification certification of Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center. )
Step 4 pay
The borrower shall pay the guarantee service fee according to the approved Letter of Approval for Guarantee Application. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center on the approved loan contract, mortgage (counter-guarantee) contract, custody contract and other legal documents.
5, material transfer
The audited personal loan application materials (including the sealed contract) are transferred from the guarantee center to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information.
Step 6 sign a contract
The housing provident fund management department shall supervise and guide the loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents.
Approval procedure
I. Basis for examination and approval
1, Regulations on the Administration of Housing Provident Fund
2 measures for the administration of housing provident fund loans in Taiyuan City
Second, the scope of acceptance, the workers who normally pay the housing provident fund in our city can apply for individual housing provident fund loans to the institutions affiliated to our center when purchasing, building, renovating or overhauling their own ordinary houses within the city.
Three. Application conditions The borrower shall meet the following conditions when applying for a loan:
1, with XX permanent residence or valid residence certificate;
2. The housing accumulation fund has been continuously paid in full for more than 12 months, or continuously paid for more than 12 months after withdrawing the accumulation fund;
3. Purchase, build, renovate and overhaul self-occupied ordinary houses (excluding commercial and residential dual-use houses) within the city limits, and have relevant procedures, certificates and self-raised funds that have been delivered according to the prescribed proportion;
4 have a stable income, good credit and the ability to repay the principal and interest of the loan;
5. Agree to guarantee according to the guarantee method recognized by the Provident Fund Center;
6. Agree to fulfill the repayment obligations on time in accordance with these Measures and the relevant provisions of the housing provident fund loan contract;
7, laws, regulations, rules and other conditions stipulated by the provident fund center.
Application materials:
1. For self-built, renovated or overhauled self-occupied ordinary houses, planning and construction documents approved by the construction or real estate administrative department, land use certificate or original house property right certificate, construction contract and project budget and final accounts shall be provided;
2. The valid identity certificate, marriage certificate, household registration certificate or valid residence certificate of the borrower and his spouse;
3. Collateral appraisal report issued by real estate appraisal agency;
4. The guarantee certificate issued by the guarantor and the valid identity certificate of the guarantor;
5. Guarantee certificate issued by the real estate home purchase guarantee company;
6. Other materials required by the Provident Fund Center.
This is the end of the introduction of Taiyuan provident fund decoration loan and Taiyuan provident fund decoration loan conditions. I wonder if you have found the information you need?