I. What is the interest rate of Shantou provident fund loans
The current interest rate of provident fund loans was adjusted and implemented on October 24, 215. The annual interest rate of provident fund loans for more than five years is 3.25%, and the annual interest rate of provident fund loans for five years and less is 2.75%, which is the same in the whole country.
provident fund loan conditions:
What conditions should be met for individual housing provident fund loans? The main contents are as follows:
1. The borrower has full capacity for civil conduct;
2. Have a formal household registration or valid residence status in this city;
3. It has stable economic income, good credit and the ability to repay the loan principal and interest;
4. Before borrowing, the housing provident fund shall be paid normally and continuously for more than half a year;
5. Can provide a valid contract or agreement for purchasing owner-occupied housing;
6. The borrower and the purchaser in the house purchase contract must be consistent, and someone who purchases * * * with property rights (except the spouse) must issue a written commitment to agree to the housing mortgage;
7. It has its own funds that are not less than 3% of the value of self-occupied housing (more than 4% of second-hand housing);
8. The borrower agrees to handle housing mortgage and insurance;
9. For the purchase of commercial housing, the developer shall provide periodic guarantee and report relevant credit materials;
1. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank will directly deduct the loan principal and interest from the account every month.
provident fund loan process:
1. The borrower applies for a loan at the acceptance outlet;
2. The accepting outlets handle the property status inquiry under the family name on their behalf;
3. Acceptance by the acceptance outlets;
3. sign a contract;
4. approval;
5. The real estate trading center handles the mortgage registration procedures;
6. Bank lending.
II. What is the loan interest rate of Shantou Housing Provident Fund
The maximum loan amount of the first-hand housing housing provident fund is 4, yuan, and the maximum loan amount of both husband and wife or the borrower is 7, yuan; The maximum personal loan amount of the second-hand housing provident fund is 35, yuan, and the maximum loan amount of both husband and wife or the borrower is 6, yuan.
iii. what is the interest rate of Shantou provident fund loan
the current interest rate of provident fund loan was adjusted and implemented on October 24, 215, and the interest rate of provident fund loan for more than five years is 25%, and the annual interest rate for five years and less is 2.75%, which is the same in the whole country.
What should a public
individual housing provident fund loan meet
1. The borrower has full capacity for civil conduct;
2. Have a formal household registration or valid residence status in this city;
3. Have a stable economic income and good credit
4. Pay the housing provident fund normally before borrowing and pay it continuously for more than half a year;
5. Can provide a valid contract or agreement for purchasing owner-occupied housing;
6. The borrower and the purchaser in the house purchase contract must be consistent, and someone who purchases * * * with property rights (except the spouse) must issue a written commitment to agree to the housing mortgage;
7. 8. The borrower agrees to apply for housing mortgage and insurance, if the value is not less than 3% of the purchased owner-occupied house (more than 4% of the second-hand house);
9. For the purchase of commercial housing, the developer shall provide periodic guarantee and report relevant credit materials;
1. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank will directly apply for a loan from the provident fund every month:
1.
2. Accepting outlets handle it on their behalf
3. Accepting outlets accept it;
3. sign a contract;
4. approval;
5. The real estate trading center handles the mortgage registration procedures;
6. Bank loans
4. What is the proportion of Shantou University's provident fund?
previously, it was stipulated that each unit and individual should pay 5% of the total average monthly salary of employees in the previous year. However, according to the new regulations, the deposit ratio of housing provident fund for employees and units in Shantou is not less than 5% of the average monthly salary of employees in the previous year; Conditional units may appropriately increase the deposit ratio, but the maximum deposit ratio shall not exceed 2% of the average monthly salary of employees in the previous year. The monthly salary base of employees of party and government organs, enterprises and institutions shall not exceed 5 times of the average monthly salary of the previous year published by the statistical department of the city or county where the employees are located. If the monthly salary of employees (the average monthly salary for the implementation of the annual salary system) exceeds the limit, the maximum wage base for housing provident fund deposit shall be 5 times of the average salary of employees in the previous year and the deposit ratio stipulated by the government. It is reported that the housing provident fund paid by employees can enjoy the preferential treatment of exemption from personal income tax and interest tax generated by personal accounts of provident fund according to relevant regulations.