(1) consultation. Personal housing provident fund loans are operated and handled by the municipal housing provident fund custodian bank. Consulting business can be consulted by both the entrusted bank and the municipal housing provident fund center. (2) application materials. The applicant holds the Application Form for Entrusted Loan of City Housing Provident Fund and Individual Housing Provident Fund, and prepares the application materials as required. (3) loan acceptance. After the applicant submits the completed loan application form and the required materials to the Municipal Housing Management Company for acceptance, the entrusted bank will specifically review and sign an opinion to determine whether the loan can be issued. (4) sign a loan contract. The entrusted bank shall instruct the applicant who has been examined and approved to sign a loan contract with it, and go through the formalities of insurance, notarization and mortgage. (5) After the issuance management is improved, it shall be submitted to the center for review, and after the review is correct, the entrusted bank shall be notified to formally issue the loan. (6) transfer payment. According to the regulations, the loan funds should be opened in an account, and may not be directly transferred to the borrower's account or paid in cash. The borrower should repay the loan principal and interest on a monthly basis as agreed in the loan contract, and repay the principal and interest from the next month when the loan funds are used. (8) Termination of the contract. After paying off the loan principal and interest, the lender terminates the contract and mortgage guarantee procedures, collects the mortgage certificate, and goes to the real estate department to handle the real estate license.
Two, Xianyang individual housing provident fund loans implementation details
Compared with commercial loans, the interest rate of Huatai real estate housing provident fund loans is much lower, which is the first choice for many buyers.
Xianyang people who want to buy a house pay attention to the implementation rules of Xianyang personal housing provident fund loan and see if you can use it. 0 1 Housing provident fund loans When employees who have paid the housing provident fund in full and have full capacity for civil conduct purchase their own houses (including ordinary commodity houses, affordable houses and prepaid houses, existing houses and second-hand houses raised for housing construction), they can apply for housing provident fund loans. The condition for applying for housing provident fund loan is 1, with stable occupation and income, good credit and the ability to repay the loan principal and interest. 2. All units and individuals have normally paid the provident fund 12 months or more (the normal recognition standard is that the account status is normal and paid in full, and the payment date is less than 3 months). 3, the purchase of housing, there must be a contract or agreement to buy housing according to law; Second-hand housing buyers also need to provide an assessment report issued by an assessment agency recognized by the provident fund center. 4. If you buy a house, you should have paid a down payment of not less than the specified proportion (the down payment ratio of the first suite is 20%, and the down payment ratio of the second suite is 40%). 5. Agree to guarantee according to the guarantee method recognized by the provident fund center and the entrusted bank. 6. There is no outstanding loan principal and interest or loan guarantee under the name of the employee himself or his spouse. 7. Other conditions stipulated by laws, regulations and rules. 03 Several cases of not accepting loan application 1, and the purchase area exceeds144m2. 2. The house purchased is the third and above house of the family (house recognition and loan recognition). 3. The employee divorced within six months. 4. The historical overdue record of employee's personal credit report or spouse's personal credit report has reached 3 consecutive periods or accumulated 6 periods, or personal housing loans overdue has reached 2 periods, or other loans overdue has reached 3 periods. 5. The employee's or spouse's personal credit report has an extension record, in which: the student loan has been extended for more than 3 times or 12 months, or other loans have been extended for more than 2 times or 6 months. 6. The personal credit report of employees or spouses is inquired too frequently (more than 2 times in the last 6 months, or more than 5 times in the last 12 months, or more than 10 times in the last 24 months). 7. Employees purchase houses in non-paid places and non-registered places and apply for loans in different places. 8. The depositor of the provident fund, the first purchaser of the house and the borrower of the provident fund are inconsistent; The purchaser is a third person other than the borrower's spouse, or the ownership share of the spouse exceeds 50%. Information 1, legal and valid identity documents and household registration certificates of the borrower and his spouse applying for housing provident fund loans. 2. The borrower's marriage certificate. 3. Proof of down payment for housing purchase. 4, the legal purchase of housing contracts or agreements and related information. 5. Personal credit report of the borrower and spouse. 6. Employees with off-site loans are required to provide off-site loan deposit certificate (national standard) and deposit details. 7. Loan employees must also provide house verification certificate, house evaluation report, fund supervision agreement and seller's collection account information when purchasing second-hand houses. 8. Other materials (provided under special circumstances). 05 housing provident fund loan process 1. The entrusted bank collects the loan application materials provided by the borrower and is responsible for examining the authenticity, integrity and legality of the materials. Accept those that meet the loan conditions, guide the borrower to fill out the Application Form for Personal Housing Provident Fund Loan, interview the borrower, and review the housing purchased by the borrower, credit status, repayment ability, loan amount and term. , and input it into the business system, and submit it for approval step by step. 2. If the loan is approved by the bank audit post, the credit post of the management department and the director post of the management department step by step, a loan contract shall be signed with the borrower. 3. The entrusted bank or management department informs the real estate development enterprise or the borrower to handle the formal mortgage registration of the house; After receiving the formal mortgage registration certificate, the management department informs the borrower to sign the loan certificate and take photos. 4. For development enterprises with good industry credit and social reputation, who actively cooperate with the work of the center and are willing to provide borrowers with staged joint and several liability guarantees, they can implement "pre-mortgage registration" loans (for development enterprises with abnormal loan balances or guarantees in corporate credit reports, the "formal mortgage registration" loans will be strictly implemented), and the entrusted banks or management departments will notify real estate development enterprises to handle pre-mortgage registration; After receiving the house pre-mortgage registration certificate, the management department informs the borrower to sign the loan certificate and take photos. 5. If the date when the borrower signs and takes photos on the loan voucher is more than 6 months from the end date of loan approval, he must first fill out the Xianyang Housing Provident Fund Loan Borrower's Personal Information Declaration Form, stating that there is no significant information change, and directly sign and take photos on the loan voucher; If there is any major information change in the declaration, the borrower will sign the loan certificate and take photos after the supplementary information is re-examined. 6. After the loan voucher is signed, the manager of the management department issues the loan according to the regulations in the business system. The loan amount of housing provident fund is 1, and the maximum loan amount is 600,000 yuan, which cannot exceed 80% of the total housing price (60% for the second set). 2. The monthly repayment amount of the family (calculated according to the sum of the monthly repayment amount of the provident fund loan in the last 6 months and the average use of credit cards by both husband and wife) shall not exceed 50% of the monthly income of the family. 3. On the basis of meeting the above two basic requirements, further determine the final loan amount according to the balance of the housing provident fund account of the borrower (if married, both husband and wife). The specific calculation method is as follows: the balance is less than 5,000 yuan (inclusive): the maximum loan amount is 200,000 yuan; The balance is 5000 yuan-1 000 yuan (inclusive): the maximum loan amount is 250,000 yuan; The balance is 654.38+0,000 yuan-20,000 yuan (inclusive): the maximum loan amount is 350,000 yuan; The balance is more than 20,000 yuan; The maximum loan amount is 654.38. The management department and the entrusted bank that specifically undertakes the credit business can adjust the loan amount according to the personal credit status of the borrower (married couple) (except for student loans, which are only extended for 1 time and the extension time is not more than 6 months (inclusive), the loan amount is approved as 70% of the maximum loanable amount) and consumption habits, but it shall not exceed the determined maximum loan amount. 07 housing provident fund loan period to buy ordinary commodity housing, affordable housing and fund-raising housing, the longest loan period is 30 years; If you buy a second-hand house, the maximum loan period is 30 years, and the sum of the loan period and the age of the house does not exceed 30 years. The loan period can be extended to 5 years after the statutory retirement age. 08 housing provident fund loan interest rate housing provident fund loan interest rate in accordance with the relevant provisions of the state. Current loan interest rate: 2.75%. If the loan term is less than or equal to 5 years > 5 years, the interest rate is 3.25%. For those who apply for using the housing provident fund loan to buy self-occupied housing again after settling the first housing provident fund loan, the interest rate of the provident fund loan is 1. 1 times of the interest rate of the provident fund loan in the same period. For loans with a loan term of less than one year (including one year), the contract interest rate shall be implemented. If the statutory interest rate is adjusted, the interest will not be calculated by sections; If the loan term is more than one year, in case of legal interest rate adjustment, the new interest rate regulation will be implemented on the following year 1 month 1 day according to the corresponding interest rate grade. Housing provident fund loan fees Housing provident fund loans are policy loans, and the provident fund center does not charge any fees. Any unit or individual who charges in the name of Xianyang Housing Provident Fund Management Center may report complaints to the Provident Fund Center.
3. What are the conditions that need to be met when the business is transferred to Xianyang?
(a) the individual has opened a housing provident fund account and paid the housing provident fund normally.
(two) good credit, the ability to repay the loan principal and interest.
(three) in the administrative division of Xianyang city to buy self-occupied housing, provide personal housing commercial loan contract and other relevant information or proof.
(four) personal housing commercial loans have not been settled, and in a normal state of repayment.
(five) has obtained the "real estate certificate" of the purchased owner-occupied housing, or changed to the "real estate registration certificate" with the commercial loan bank as the mortgagee.
(six) other conditions stipulated by laws, regulations and the Interim Measures for Housing Provident Fund Loans in Xianyang and the Detailed Rules for the Implementation of Individual Housing Provident Fund Loans in Xianyang.
What do you need to pay for Xianyang provident fund loan to buy a house?
Generally, you need to contact and pay for more than half a year.
What conditions do individual housing provident fund loans need to meet? 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.