Provident fund personal housing loan
Advantages of the product: low loan interest rate and long term, reducing the repayment pressure of borrowers.
Application conditions: To apply for a housing provident fund loan, you must comply with the relevant housing provident fund of the local housing provident fund management department.
The provisions of the gold loan.
The basic conditions should be:
(1) has legal status;
(2) Pay the housing accumulation fund in full and on time;
(3) Having stable economic income, good credit and the ability to repay the principal and interest of loans;
(4) There are legal and effective certificates such as contracts and agreements for the purchase and overhaul of houses;
(5) There are self-raised funds above the prescribed minimum amount, and it is guaranteed to be used to pay the down payment of the purchased (overhauled) house;
(6) Having assets that meet the conditions of mortgage or pledge, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; (7) Meet other loan conditions stipulated by the local housing provident fund management department.
Loan amount: the maximum amount shall be implemented in accordance with the relevant regulations of the local housing provident fund management department.
Loan Term: Within the longest loan term stipulated by the People's Bank of China, the local housing provident fund management department will determine the loan term according to the actual situation of the borrower.
Loan interest rate: The loan interest rate of individual housing provident fund stipulated by the People's Bank of China shall be implemented.
Repayment method: If the loan term is within 1 year (including 1 year), the principal and interest shall be repaid in one lump sum; If the loan term exceeds 1 year, the equal principal and interest repayment method, the average principal repayment method and other repayment methods recognized by the local housing provident fund management department shall be adopted.
The operation process of individual customers is as follows:
(1) application. The loan applicant shall submit a written loan application and relevant materials, which shall be accepted by the Construction Bank and submitted to the housing provident fund management department or directly applied to the housing provident fund management department.
(2) sign a contract. After the loan application is approved by the housing provident fund management department, the Construction Bank will sign a loan contract and a guarantee contract with the borrower. The borrower who chooses the entrusted deduction method must open a dragon card or savings account in China Construction Bank.
③ Mortgage registration and insurance. The Construction Bank shall, in accordance with the requirements of the loan contract and the housing provident fund management department, handle the procedures of housing mortgage registration, contract notarization and housing insurance.
(4) expenditure. According to the loan contract, CCB will open a loan account for the borrower and transfer the loan funds to the seller's special account for house purchase or other designated accounts.
⑤ Repay on schedule. According to the repayment plan and repayment method agreed in the loan contract, the borrower entrusts the Construction Bank to deduct money by stages or go to the counter of the Construction Bank to repay the principal and interest of the provident fund loan on schedule.
⑥ Contract change. During the execution of the contract, the borrower may apply to the Construction Bank or the housing fund management department for changing the loan term, repayment method, prepayment, etc. After the approval, the Construction Bank will handle the contract modification procedures for the borrower.
All landowners loan settlement. The Construction Bank issues the Loan Settlement Certificate for the borrower, and the borrower gets back the mortgage registration certificate and other documents, and goes through the mortgage registration cancellation procedures at the original mortgage registration department.
(The above contents are for reference only. Customers applying for the above products and services shall abide by the relevant regulations of local banks. )