1, identification of the borrower and spouse (ID card, household registration book, marriage certificate or divorce certificate, court judgment, ruling, unmarried or divorce certificate issued by the unit, etc.). );
2. Proof of stable economic income (proof of unit wage income, etc.). );
3, housing provident fund deposit certificate;
4. The purchase contract and agreement signed with the selling unit (approved by the land planning department of self-built housing);
5. I and my spouse * * * fill in the loan application approval form;
6. Receipt of house payment (down payment) of not less than 20% of the total house payment (proof of self-financing of not less than 30% of the total house payment is required for purchasing private houses, building and overhauling self-occupied houses);
7. List of pledge rights and ownership certificate issued by the borrower (or written commitment issued by the guarantor agreeing to provide guarantee). Four, the housing provident fund loan period, interest rate and limit
The loan period of individual housing provident fund is 1 to 20 years. But in principle, it shall not exceed the period from the date of loan issuance to the national legal retirement age (60 years old for men and 55 years old for women).
The calculation formula is: loan term ≤ statutory retirement age of the borrower-current age of the borrower (one year old).
The loan interest rate of individual housing provident fund is subject to the preferential interest rate stipulated by the state, which is lower than the bank mortgage interest rate by 1 percentage point on average. Among them, the loan interest rate for 1-5 years is: the monthly interest rate is 3.0‰ and the annual interest rate is 3.6%; The loan interest rate with a term of more than 5 years is: 3.375‰ monthly interest rate and 4.05% annual interest rate. In case of legal interest rate adjustment, the corresponding interest rate grade at the beginning of next year will be implemented.
The maximum amount of personal housing provident fund loans generally does not exceed 200 thousand yuan. More than 200,000 yuan shall be examined and approved by the central loan review committee. The loan amount is generally determined by the proportion that the borrower's monthly repayment amount does not exceed 50% of his family income (but the conditions can be appropriately relaxed if he has strong repayment ability). The price is online for reference only.