Is there any trouble in applying for Chengdu provident fund loan? I have compiled a guide to Chengdu provident fund loans, including the conditions, processes, materials, interest rates, quotas and policies of Chengdu provident fund loans. Come and collect!
Chengdu provident fund loan conditions
Applying for Chengdu provident fund loan, like other loans, needs to meet certain loan conditions. In addition to the qualifications of the lender, it also stipulates the time to pay the provident fund.
Chengdu provident fund loan process
The loan process of Chengdu Provident Fund can be simply described as: submission of materials → preliminary examination of loans → central examination and approval → signing of contracts → issuance of loans. The more detailed process will change according to whether you buy a first-hand house or a second-hand house.
Chengdu provident fund loan materials
Just now, the submission materials were mentioned in the process of introducing the process, so what are these materials? It mainly includes the original ID card, household registration book, marriage certificate, house purchase contract, house registration form, entrusted repayment account, income certificate and deposit certificate. You also need the required number of copies of each material.
Chengdu provident fund loan interest rate
First suite: loan interest rate benchmark for 5 years and below), loan interest rate benchmark for more than 5 years), with a maximum of 700,000 yuan and a down payment of 20%.
Second suite: loan interest rate for 5 years and below), loan interest rate for more than 5 years), up to 700,000, with 20% down payment settled and 40% unpaid.
Chengdu provident fund loan amount
The calculation of provident fund loan amount has always been a mathematical problem, which will be determined according to the deposit balance, time, applicant's age and other factors. There are formulas that can be set, but this algorithm is not recommended.
Chengdu provident fund loan policy
20 17 Chengdu provident fund policy has made some adjustments in loan amount, loan term, deposit ratio and base, which can appropriately reduce the pressure on buyers.
Difference between Chengdu Provident Fund Loan and Commercial Loan
I don't know how to choose provident fund loans and commercial loans. Teach you to distinguish from the following aspects: applicable population, loan interest rate, loan proportion, approval time, loan process, loan source, interest use, approval institution, years and quota, second suite 10.
The introduction of Chengdu provident fund loan strategy ends here. I wonder if it has solved your problem. There are more questions, and the professional credit manager will answer them for you. More strategies and consultation of Chengdu Provident Fund are waiting for you.
The latest policy of Chengdu provident fund loan
Legal analysis: 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
What are the provident fund loan policies in Chengdu?
In recent years, the real estate industry has been rising, and it is not easy for many young people to buy a house. In order to buy a house, they had to borrow money from their parents' bank. Let's take a look at the provident fund loan policies in Chengdu and Bian Xiao.
Chengdu provident fund loan policy
1, loan term, from June 6, the loan term was changed from the original 20 years to 30 years.
2. Loan amount. From June 6, the maximum amount of husband and wife provident fund loans was changed from 600,000 to 700,000, and the amount of personal provident fund loans remained at 400,000.
3. Loans have multiplied. The original balance of the provident fund account was 20 times, and now it is 30 times.
Provident fund withdrawal business process
1, withdrawal of provident fund, no unit certificate is required.
2, owing on the loan extraction, the same housing does not need to provide a purchase contract.
3. Adjusted the items of business audit materials.
4. Withdrawing the provident fund after leaving the company is the proof that it is no longer necessary to terminate the labor relationship.
5. For employees with sealed accounts, account cancellation information needs to be adjusted.
6, extract major diseases, no longer need to prove serious difficulties in life.
Hong Kong, Macao and Taiwan compatriots enjoy housing provident fund treatment in Chengdu.
Compatriots from Hong Kong, Macao and Taiwan who have paid the housing provident fund can withdraw the individual housing provident fund and apply for individual housing loans from the housing provident fund, just like the employees who have paid in the Mainland. Chengdu does not refuse provident fund loans to buy a house. The biggest use of provident fund is to apply for a loan when buying a house.
Housing provident fund loan conditions?
1. The borrower must have a town account; I want to pay the housing accumulation fund on time in this city for more than one year.
2. Have a stable professional income, good credit and the ability to repay loans.
Summary: Chengdu provident fund loan policy. Loan Term: From June 6th, the loan term will be changed from 20 years to 30 years. Loan amount. From June 6, the maximum amount of husband and wife provident fund loans was changed from 600,000 to 700,000, and the amount of personal provident fund loans remained at 400,000. Loans have multiplied. The original balance of the provident fund account was 20 times, and now it is 30 times.
Chengdu provident fund loan policy
Legal analysis: 1. Loan amount and term: 1. Increase the calculation coefficient of loan amount. The calculation coefficient of loan amount is increased from 30% of the deposit base of housing provident fund to 50%. 2. Comprehensive calculation of loan withdrawal. Employees who purchase self-occupied housing and apply for loans to withdraw housing provident fund shall not exceed the total purchase price. Housing provident fund withdrawal should be handled in one lump sum before applying for a loan. 3. Extend the loan term. The loan period is extended to 5 years after the borrower's statutory retirement age. 2. Loans from different places in the province: If employees and their spouses work in Dongying or have registered permanent residence, and pay housing provident fund normally in other cities in the province to buy self-occupied housing in Dongying, they can provide relevant certification materials issued by the housing provident fund center where they paid, and apply for loans in our city. Housing provident fund is normally deposited in the housing provident fund management center of our city. If you work in other cities in the province, you can apply for a loan in our city if you buy a self-occupied house at your work unit. The loan guarantee in different places in the province is implemented according to the loan policy in different places.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
What is the down payment ratio of 20 17 Chengdu second suite? How to get a loan for the third suite?
The down payment ratio of the second home loan shall not be less than 50%, and the third home loan shall be suspended.
201April 17, the State Council issued the "Notice on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities" and put forward ten measures, which were called "Ten Articles of New China" by the industry and required by the "Ten Articles of New China":
1. The down payment ratio of the family loan for purchasing the first self-occupied house with a construction area of over 90 square meters shall not be less than 30%.
2. To purchase a second house with a loan, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.
3, commodity housing prices are too high, rising too fast, tight supply areas, commercial banks can be based on the risk situation, suspend the issuance of the purchase of third and above housing loans.
4. Non-local residents who cannot provide local tax payment certificate or social insurance payment certificate 1 year or more will be suspended from issuing house purchase loans. The local people's government can take temporary measures to limit the number of houses within a certain period of time according to the actual situation.
5. The Ministry of Finance and the State Administration of Taxation should speed up the research and formulation of tax policies to guide individuals' reasonable housing consumption and regulate personal property income.
6, affordable housing, shantytown renovation and small and medium-sized ordinary commodity housing land is not less than 70% of the total supply of housing construction land, and give priority to ensuring supply.
7, housing prices are too high, rising too fast, to greatly increase the supply of public rental housing, affordable housing and price-limited commodity housing.
8, pay close attention to the development of 20 10-20 12 affordable housing construction plan (including all kinds of shanty towns, policy housing construction), and announced to the whole society before the end of 20 10;
Extended data:
Second suite identification standard:
1, parents have a house, and then buy a house in the name of minor children. According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.
2. When you are a minor, you have a real estate, and then you can borrow money to buy a house when you are an adult. According to the current bank's "loan recognition and housing recognition", if the existing property is not sold, the re-loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for minors' real estate, applying for a mortgage is not a second set.
3. If there is a house purchased in full under the name of the individual, then the house can be purchased by loan. In the past, it only "recognized the loan", not counting the second suite, but now it has added "recognized the house". Although there is no loan, as long as you can find the property under your name in the housing property rights trading system, you don't have to sell it or apply for a loan, you will also be recognized as a second suite.
4. There is a loan to buy a house under the name of the individual, and then the loan is used to buy a house after the sale. At present, the bank's identification of the second suite is "recognizing the house and recognizing the loan". That is to say, although the property bought by the loan is sold, there is no house under the family name, but because of the previous loan record, applying for a mortgage will also be counted as the second suite.
5. Use commercial loans for the first purchase and provident fund loans for the second purchase. At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, even if the provident fund loan has never been used, the first application for provident fund loan is considered as a second suite.
6. Before marriage, one party borrowed money to buy a house, and after marriage, he applied for a loan to buy a house in the name of the other party, but their accounts were not together. After the marriage, although the registered accounts of both husband and wife did not fall together, they have registered their marriage with the Civil Affairs Bureau. Now, when issuing loans, banks will require borrowers to provide proof of marital status in addition to household registration books, while married couples can't provide proof of singles, so when buying a house again, they will count the other party as a second suite.
7. After marriage, both parties take a loan to buy a house, and after divorce, one party applies for a loan to buy a house.