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.
Conditions for applying for provident fund renovation loan
The lender of the provident fund renovation loan must have a permanent residence in the local town or a valid proof of residence identity;
2. To apply for provident fund, you must continuously deposit housing provident fund 12 months or more. If both husband and wife have provident fund, only one party can apply for provident fund decoration loan;
3. The provident fund renovation loan applicant must hold a contract (agreement) and related materials for the construction, purchase and overhaul of owner-occupied housing in accordance with the law;
You should have a certain proportion 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. The purchase of second-hand housing or self-built housing, housing overhaul, self-raised funds shall not be less than 30% of the total price. Of course, every city may be a little different;
5. The applicant must have a stable income and the ability to repay the principal and interest of the loan. Generally, the unit needs to issue a certificate of income;
6. The applicant agrees to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or legal persons, organizations or third parties recognized by the loan bank can provide guarantee.
Matters needing attention in decoration of provident fund loan
1. If you really need to decorate the stool at home, you can go to the local Ziyi and go through the relevant formalities with some home security guards.
2. If someone can't sign the property right certificate on the spot, it is necessary to entrust notarization, which will entrust the mortgage and loan handling right of the house to others.
3. Require the balance in the provident fund account of the main lender to be sufficient, usually more than 1/40 of the loan amount, and have been deposited continuously for 6 months. The processing cost of dates and plums with insufficient balance may increase.
How to apply for a decoration provident fund loan?
1. First of all, the user needs 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.
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.
Taizhou provident fund loan amount
Notice on the adjustment of Taizhou provident fund loan amount in 2022
1. The maximum loan amount for normal unilateral housing provident fund deposit is adjusted to 500,000 yuan.
2. The maximum loan amount for both husband and wife to normally pay housing provident fund is adjusted to 6,543,800 yuan.
3, the first and second housing provident fund loans can enjoy the maximum loan amount.
4, the first application for housing provident fund loans down payment ratio increased from 30% to 20%.
5. Further liberalize the preferential policies for housing provident fund loans for three-child families, and the first and second sets of housing provident fund loans can rise by 20%.
The introduction of Taizhou provident fund decoration loan ends here.