1. What is the interest rate of housing provident fund loans in Hohhot in 223? Housing provident fund loans refer to the use of individuals by local housing provident fund management centers to entrust commercial banks to issue housing mortgage loans to people who purchase and pay provident fund fees. The banks will give you the interest rate of housing provident fund loans in Hohhot. Hohhot housing provident fund deposit and loan benefits ... Want to know more about Hohhot public reserve knowledge, follow me and have a look.
Housing provident fund loans refer to the housing provident fund paid by individuals in their units by local housing provident fund management centers, and entrust commercial banks to issue housing mortgage loans to those who purchase and pay the provident fund fees, and the banks will give corresponding loan interest rates. Then, what is the interest rate of Hohhot provident fund loan? The deposit and loan interest rate of housing provident fund in Hohhot was officially adjusted from March 1 last year, and the interest rate was lowered by .25%.
The deposit and loan interest rate of housing provident fund in Hohhot has been officially adjusted since last year. The interest rate for the first home loan is 3.5%, and the interest rate for loans with a term of more than five years is 4%. This adjustment will give great benefits. Take a personal housing provident fund loan calculated by the equal principal and interest method as an example. After the interest rate adjustment, the monthly repayment amount of employees is 329.8 yuan, which is the same as the interest rate adjustment. With the same amount of principal and interest, it will be less than 523.57 yuan per month at the benchmark interest rate of 5.9%, and 56.8 yuan if the interest rate does not change during the repayment period.
According to Hohhot Housing Fund Management Loan, the use is limited to the purchase of owner-occupied houses with ownership, and the houses purchased should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. 2% or more of the self-raised funds of the housing provident fund loan applicant; Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.
in addition to cash payment, the borrower can withdraw the balance stored in his provident fund account to repay the loan. When the balance of my provident fund account is insufficient, I can withdraw the balance of my spouse's and the borrower's provident fund account, but I need the written consent of the person who has been withdrawn.
note: the interest rate of Hohhot provident fund loan needs to be determined. The interest rate of the first home loan with a term of less than 3.5% and the interest rate of the loan with a term of more than 5 years is 4%. Not all employees can apply for provident fund loans, only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans.
Nowadays, it is a legal society, and many things closely related to life are inseparable from the law, so we should know some common legal knowledge.
second, what is the policy of Hohhot provident fund loan in different places?
The provident fund can borrow money from different places to buy a house. The Ministry of Housing and Urban-Rural Development clearly stipulates that provident fund loans in different places should be handled according to the following procedures:
The provident fund center of the loan city accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for loans at one time.
the employee himself or his/her client applies to the deposit center of urban provident fund, and the deposit center of urban provident fund verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for Employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.
after accepting employees' applications for loans from different places, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Loans from Different Places to the deposit city provident fund center. If the verification is correct, the loan examination and approval procedures shall be performed within the prescribed time limit, and the results shall be fed back to the city provident fund center. Deposited into the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed ledger of employees' loans in different places.
during the repayment of loans from different places, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly inform the loan city provident fund center and transfer to the city provident fund center. Transfer to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
when the loan from different places is overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and according to the loan contract, the balance of the loan employee provident fund account can be deducted to repay the loan.
3. Has the housing loan repayment of Hohhot Provident Fund been deducted in 222?
Notice of Hohhot on Implementing Phased Support Policy for Housing Provident Fund
Depositors and employees:
In order to implement the decision-making arrangements of the CPC Central Committee and the State Council on efficiently coordinating epidemic prevention and control and economic and social development, in accordance with the spirit of the Notice on Implementing Phased Support Policy for Housing Provident Fund (Jian Jin [222] No.45) issued by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China, Further intensify the efforts to help enterprises with the housing provident fund during the epidemic to meet the business needs of paid employees, and now make the following adjustments to the relevant business policies:
1. Deposit business
Enterprises affected by the COVID-19 epidemic can postpone the payment of housing provident fund by December 31, 222 at the latest, and the housing provident fund information system will take the initiative to put on record. Enterprises don't need to apply, and they will pay back after the expiration and resume normal payment: the deposit time during the deferred payment period is calculated continuously, which does not affect the normal withdrawal and application of housing by employees.
ii. Withdrawal business
Further increase the support for paid employees' rental consumption, and ease the financial pressure for paid employees to pay rent. The withdrawal amount of rented commercial housing for employees without housing in Hohhot city has been raised from 1, yuan per person per year to 12, yuan per person per year, and the withdrawal amount of municipal counties has been raised from 5, yuan per person per year to 6, yuan per person per year. (The Railway Service Department is implemented according to the standards of Hohhot)
III. Loan business
Employees affected by the epidemic cannot repay their housing provident fund loans normally before December 31, 222. No overdue treatment, no overdue record submitted to the credit management department, no penalty interest. If it is overdue, it shall be handled according to the normal overdue regulations.
The above adjustments shall be implemented as of the date of release.
fourth, the new policy of Hohhot provident fund loan?
if both husband and wife of the lender have provident fund accounts and apply for using provident fund loans to buy a house at the same time, the loan amount is 7, yuan; If only one person has provident fund, the loan amount is 4, yuan. Secondly, those who apply for loans should be within 8% of the total house price.