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202 1 Harbin housing provident fund loan conditions, 202 1 Harbin provident fund loan amount and policy

Conditions of buying a house with Harbin loan

1, yes

2, a stable economic income, good credit, the ability to repay the loan principal and interest.

3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.

5. There are assets recognized by the loan bank for mortgage or pledge, or (and) a legal person with sufficient compensatory capacity as the guarantor.

6. Other conditions stipulated by the lending bank.

Harbin provident fund loan amount

1, housing accumulation fund is 0,000 yuan, and 700,000 yuan for two people;

2. Portfolio loan: when the allowable amount exceeds the high limit, the maximum amount of one person is 850,000 yuan; The maximum amount of housing workers who exceed the prescribed amount is 6.5438+0.05 million yuan.

Harbin housing provident fund loan conditions in different places

1. The applicant must purchase a self-occupied house in our city and be the owner or owner of the house purchased.

2, the applicant must be normal and full deposit housing provident fund for more than six months.

3. The applicant and spouse have no outstanding housing provident fund loans. (including the place where the housing provident fund is paid)

4. Provide the guarantee procedures approved by Harbin Housing Provident Fund Management Center.

5. Meet other conditions for housing provident fund loans in Harbin.

Harbin housing provident fund loan application materials in different places

1, the housing provident fund deposit certificate provided by the urban housing provident fund management center at or above the prefecture level. (For the husband's provident fund, all needs to be provided; Original 1 copy, kept by the center, and the voucher format is provided by the housing provident fund management center of our city)

2. Copy of the certificate of deposit of housing provident fund in different places and the certificate of deposit in the latest year 1 copy, and a copy of the original inspection is received)

3. Other information is the same as the normal housing provident fund loan.

1. What are the loan conditions of Harbin housing provident fund?

(a) to apply for individual housing provident fund loans, the following conditions shall be met at the same time:

1, with China people's household registration and valid identity card;

2. Apply for loan housing provident fund 1 year or more (inclusive), and non-local registered employees have paid the housing provident fund in full for more than 2 years (inclusive);

3. There is a purchase contract or agreement confirmed by the real estate registration department where the house is located, and mortgage or guarantee procedures can be handled;

4. The down payment for house purchase has been paid according to the regulations (the down payment for stock houses requires fund supervision);

5. Have full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the loan principal and interest;

6, housing provident fund deposit priority for repayment of personal housing provident fund loans.

(2) If the loan is not approved:

1, the building structure is brick-wood structure and mixed structure;

2. Use for non-residential houses and low-density commodity houses;

3. Used two housing provident fund loans.

(3) loan restrictions:

1. If employees withdraw the balance stored in the housing provident fund account by deception, they can apply for a housing provident fund loan only after the full refund is 5 years;

2. For employees who provide false information to defraud housing provident fund loans, the provident fund center will keep bad credit records for 5 years, during which the application for housing provident fund loans will not be accepted;

3. According to the credit records of the People's Bank of China, the housing loans overdue has been in the sixth period (inclusive), and the housing provident fund loan can only be applied after the loan has been settled for five years.

4. If the credit records of the People's Bank of China show that the credit card is overdue for more than 6 periods (inclusive), you can apply for housing provident fund loans only after paying off the overdue amount for 2 years.

5. If the credit record of the People's Bank of China shows that the credit card is in a bad debt, frozen or stopped payment state, the provident fund loan can only be processed after the card is cancelled (subject to the update of the personal credit report).

6. The credit records of the People's Bank of China show that commercial housing loans, consumer loans, student loans or any kind of loans overdue for more than 6 periods (inclusive) can only apply for housing provident fund loans after the loans have been settled for 5 years.

2. What are the requirements for housing provident fund loans in Harbin? Mainly houses ...

As the loan period of housing provident fund is influenced by many factors, the loan period of housing provident fund can only be determined according to the type of housing, the age of the applicant and the type of loan, which is divided into the following categories:

First, if the housing provident fund loan is used to purchase ordinary commodity housing, price-limited commodity housing and targeted sales (resettlement) affordable housing, the general loan period shall not exceed 30 years; The purchase of private housing shall not exceed 20 years at the longest; The period of purchasing public housing property rights or building, renovating or overhauling self-owned housing shall not exceed 10 years.

Second, the loan period of housing provident fund is not only related to the object of purchase, but also related to the applicant's own age. Most places stipulate that the sum of the borrower's age and the loan period shall not exceed 5 years after the statutory retirement age. The legal retirement age is generally calculated according to the age of 55 for women and 60 for men; Unless otherwise stipulated by the state, the retirement age shall be implemented according to its provisions, but the maximum retirement age shall not exceed 65 years old.

Third, the loan period of housing provident fund is also closely related to the loan type. If the applicant's loan type is a combination loan model of "commercial bank loan housing provident fund loan", then the loan period of both must be the same, that is to say, the loan period of housing provident fund at this time is generally not more than 20 years.

However, there are differences in provident fund policies in different places, and the policies of provident fund management centers in different places shall prevail.

3. What is the loan amount of Harbin Provident Fund?

Harbin housing provident fund loan amount is:

1. The maximum loan amount for one person of Harbin housing provident fund loan is 500,000 yuan.

2. The maximum loan amount of two-person housing provident fund loan in Harbin is 700,000 yuan.

3. The borrower's loan amount exceeds the maximum personal loan amount of housing provident fund stipulated by Harbin, and the maximum loan amount for one person is 850,000 yuan.

4. The borrower's loan amount exceeds the maximum personal loan amount of the housing provident fund stipulated by Harbin, and the maximum loan amount for the two is 6,543,800 yuan+0,500 yuan.

Four, Harbin housing provident fund loan conditions in 2022, Harbin provident fund loan amount and policy in 2022.

202 1 Harbin housing provident fund loan conditions, 202 1 Harbin provident fund loan amount, policy Harbin loan purchase conditions 1, legal status. 2, a stable economic income, good credit, the ability to repay the loan principal and interest. 3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank. 4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses. 5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors. 6. Other conditions stipulated by the lending bank. The loan amount of Harbin provident fund is 1, and the maximum personal loan amount of housing provident fund is 500,000 for one person and 700,000 for two people; 2. Portfolio loan: when the allowable amount exceeds the maximum amount stipulated by the housing provident fund personal loan, the maximum amount for one person is 850,000 yuan; When the allowable amount exceeds the specified maximum amount of personal loan for housing provident fund, the maximum amount of both is 6.5438+0.05 million yuan. The loan conditions of Harbin housing accumulation fund in different places 1. Applicants must purchase self-occupied housing in our city and be the owner or owner of the purchased housing. 2, the applicant must be normal and full deposit housing provident fund for more than six months. 3. The applicant and spouse have no outstanding housing provident fund loans. (including the deposit place of housing provident fund) 4. Provide the guarantee procedures approved by Harbin Housing Provident Fund Management Center. 5. Meet other conditions for housing provident fund loans in Harbin. Harbin housing provident fund loan application materials 1, and the housing provident fund deposit certificate provided by the housing provident fund management center of cities at or above the prefecture level. (Require both husband and wife to provide housing provident fund in different places; The original 1 copy is kept by the center, and the proof format is provided by the housing provident fund management center of our city) 2. Proof of deposit of housing provident fund in different places and details of deposit in the last year. (One original and one copy, check the original and get a copy) 3. Other information is the same as the normal housing provident fund loan. 1. What are the loan conditions of Harbin housing provident fund? (1) To apply for individual housing provident fund loans, the following conditions shall be met at the same time: 1, with China household registration and valid resident ID card; 2. When applying for a loan, the registered employees in this city have paid the housing provident fund in full for more than 1 year (inclusive), and the non-registered employees have paid the housing provident fund in full for more than 2 years (inclusive); 3. There is a purchase contract or agreement confirmed by the real estate registration department where the house is located, and mortgage or guarantee procedures can be handled; 4. The down payment for house purchase has been paid according to the regulations (the down payment for stock houses requires fund supervision); 5. Have full capacity for civil conduct, good credit, stable occupation and income, and the ability to repay the loan principal and interest; 6, housing provident fund deposit priority for repayment of personal housing provident fund loans. (2) No loan: 1. The building structure is brick-wood structure and mixed structure; 2. Use for non-residential houses and low-density commodity houses; 3. Used two housing provident fund loans. (3) Loan restriction: 1. Employees who withdraw the balance stored in the housing provident fund account by deception can apply for housing provident fund loans only after five years of full return; 2. For employees who provide false information to defraud housing provident fund loans, the provident fund center will keep bad credit records for 5 years, during which the application for housing provident fund loans will not be accepted; 3. According to the credit records of the People's Bank of China, the housing loans overdue has been in the sixth period (inclusive), and the housing provident fund loan can only be applied after the loan has been settled for five years. 4. If the credit records of the People's Bank of China show that the credit card is overdue for more than 6 periods (inclusive), you can apply for housing provident fund loans only after paying off the overdue amount for 2 years. 5. If the credit record of the People's Bank of China shows that the credit card is in a bad debt, frozen or stopped payment state, the provident fund loan can only be processed after the card is cancelled (subject to the update of the personal credit report). 6. The credit records of the People's Bank of China show that commercial housing loans, consumer loans, student loans or any kind of loans overdue for more than 6 periods (inclusive) can only apply for housing provident fund loans after the loans have been settled for 5 years. 7. If the credit record of the People's Bank of China shows that the loan is classified into concern category, sub-category, doubtful category and loss category, you can apply for housing provident fund loan only after the loan status is normal. 8. If the credit record of the People's Bank of China shows that there is an enforcement record of "being implemented", it may not apply for housing provident fund loans during the implementation period. 9. The credit record of the People's Bank of China shows or is confirmed by other means to have other serious acts of dishonesty. Second, what is the housing provident fund loan process? The first step is loan consultation. The borrower consults the loan bank of the purchased housing provident fund and receives the "First-hand Housing Individual Housing Provident Fund Loan Folder". The second step is to submit the application 1, the first-hand housing personal housing provident fund loan folder; 2. The original and photocopy of the ID card, household registration book and marriage certificate of the borrower's husband and wife (the civil affairs bureau shall provide proof of marital status for singles); 3. The original and photocopy of the purchase contract and down payment receipt filed by the real estate department; 4. Other supporting materials required by the lending bank. The third step is to sign the contract. The loan bank accepts the information of the loan applicant. After the bank reports to the Provident Fund Center for approval, the borrower and the loan bank sign loan contracts, mortgage contracts and other related loan documents. The fourth step is to apply for a mortgage. The loan bank or borrower goes to the real estate mortgage registration department to register the house mortgage. The fifth step is the issuance of loans. The provident fund center entrusts the loan bank to directly transfer the borrower's loan funds into the account of the selling unit. Step 6 repay the loan every month. The borrower shall repay the loan principal and interest on time every month as agreed in the loan contract until all the loans are settled. When the borrower pays off the remaining loan for the last time, he should go to the loan bank in person and go through the repayment settlement procedures at the bank counter. The seventh step is to cancel the mortgage. After the borrower has paid off all the principal and interest of the loan, he shall go through the formalities of mortgage registration and cancellation at the real estate mortgage registration department with the loan settlement certificate and house mortgage cancellation certificate issued by the loan bank. 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