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Hefei second-hand housing provident fund loan conditions and processes;
I. Loan conditions
1. The borrower has paid the housing provident fund in full and normally for more than six consecutive months.
2. The ordinary self-occupied second-hand house purchased by the lender should be in a mature community within or outside the Second Ring Road, and it must be a complete set of houses. In principle, it should be a house in a residential community (marked as a community on the real estate license) or a second-hand house in a dormitory. The term of the house shall not exceed 20 years from the date of completion of the house.
3. The borrower has a permanent residence in this city, has full capacity for civil conduct, has a good reputation, has a stable economic income and the ability to repay the principal and interest of the loan; The monthly repayment amount shall not exceed 50% of the family's monthly income.
4. The down payment shall be paid to the special account of Hefei Stock House Fund Custody Center Bank (Huixing or ICBC) as agreed, and the down payment of the first housing provident fund loan shall not be less than 20% of the house price; The down payment of the second housing provident fund loan is not less than 20% of the house price, and the loan interest rate is 1. 1 times of the first housing provident fund loan in the same period. Stop issuing housing provident fund and individual housing loans to paid workers' families who buy third and above houses.
5. Parents and their children and other immediate family members purchase houses without providing loan support.
6 portfolio loans involving commercial loans, down payment, loan times, interest rates and other relevant provisions by the loan undertaking bank in accordance with the relevant provisions of the People's Bank of China.
7. There is no outstanding housing provident fund loan between the applicant and his wife.
8. The borrower must be the purchaser, and the property right ratio shall not be less than 50% (inclusive).
II. Loan Amount, Term and Interest Rate
1. Maximum amount: If both the borrower and the spouse have paid the housing provident fund in full and normally for more than six months, the maximum loan amount is 550,000 yuan; If the borrower unilaterally pays the housing provident fund according to the regulations, the maximum loan amount is 450,000 yuan. The loanable amount of the borrower within the maximum loan amount = the sum of the monthly salary income of the borrower and his wife who have paid the housing provident fund × 12 (month )× 0.5× the actual loanable period; * * * Property owners and repayment participants are not included in the calculation. If the house age is less than 10 year, the maximum loan ratio is 80%; If the house is older than 10 and less than 20 years, the maximum loan ratio is 70%; The completion period of the house is subject to the real estate license or the relevant certificate of the real estate authority, and it is in line with the loan down payment policy.
2. Maximum duration: 20 years; The sum of the borrower's age and housing age shall not exceed 30 years at the longest, and the sum of the borrower's age and loan period shall not exceed 5 years after his statutory retirement age, and he must apply for a loan before retirement.
3. Interest rate: subject to the regulations of the People's Bank of China (see repayment schedule for details).
4. The specific amount and duration of the loan depends on the borrower's application and repayment ability.
2. What is the next repayment requirement of Hefei Provident Fund loan?
Hefei provident fund loan conditions
1. The borrower has continuously paid the housing accumulation fund for more than 6 months;
2. The developer of the commercial house purchased by the borrower has signed provident fund mortgage business contracts (agreements) with CCB Shushan Sub-branch, ICBC Urban Construction Sub-branch, ABC Lvdu Sub-branch, Xianghui Changjiang Road Sub-branch, Bank of Communications Provincial Sales Department, Bank of China Provincial Sales Department and other banks;
3. The borrower usually lives in Hefei;
4. The borrower has full capacity for civil conduct;
5. The borrower has no bad credit record;
6. The borrower has a stable economic income;
7. The borrower has the ability to repay the loan principal and interest;
8. The borrower's down payment for house purchase shall not be less than 20%;
9. Both borrowers have no outstanding housing provident fund loans.
3. What are the conditions and procedures for the second-hand housing provident fund loan in Hefei?
Hefei second-hand housing provident fund loan conditions and processes;
I. Loan conditions
1. The borrower has paid the housing provident fund in full and normally for more than six consecutive months.
2. The ordinary self-occupied second-hand house purchased by the lender should be in a mature community within or outside the Second Ring Road, and it must be a complete set of houses. In principle, it should be a house in a residential community (marked as a community on the real estate license) or a second-hand house in a dormitory. The term of the house shall not exceed 20 years from the date of completion of the house.
3. The borrower has a permanent residence in this city, has full capacity for civil conduct, has a good reputation, has a stable economic income and the ability to repay the principal and interest of the loan; The monthly repayment amount shall not exceed 50% of the family's monthly income.
4. The down payment shall be paid to the special account of Hefei Stock House Fund Custody Center Bank (Huixing or ICBC) as agreed, and the down payment of the first housing provident fund loan shall not be less than 20% of the house price; The down payment of the second housing provident fund loan is not less than 20% of the house price, and the loan interest rate is 1. 1 times of the first housing provident fund loan in the same period. Stop issuing housing provident fund and individual housing loans to paid workers' families who buy third and above houses.
5. Parents and their children and other immediate family members purchase houses without providing loan support.
6 portfolio loans involving commercial loans, down payment, loan times, interest rates and other relevant provisions by the loan undertaking bank in accordance with the relevant provisions of the People's Bank of China.
7. There is no outstanding housing provident fund loan between the applicant and his wife.
8. The borrower must be the purchaser, and the property right ratio shall not be less than 50% (inclusive).
II. Loan Amount, Term and Interest Rate
1. Maximum amount: If both the borrower and the spouse have paid the housing provident fund in full and normally for more than six months, the maximum loan amount is 550,000 yuan; If the borrower unilaterally pays the housing provident fund according to the regulations, the maximum loan amount is 450,000 yuan. The loanable amount of the borrower within the maximum loan amount = the sum of the monthly salary income of the borrower and his wife who have paid the housing provident fund × 12 (month )× 0.5× the actual loanable period; * * * Property owners and repayment participants are not included in the calculation. If the house age is less than 10 year, the maximum loan ratio is 80%; If the house is older than 10 and less than 20 years, the maximum loan ratio is 70%; The completion period of the house is subject to the real estate license or the relevant certificate of the real estate authority, and it is in line with the loan down payment policy.
2. Maximum duration: 20 years; The sum of the borrower's age and housing age shall not exceed 30 years at the longest, and the sum of the borrower's age and loan period shall not exceed 5 years after his statutory retirement age, and he must apply for a loan before retirement.
3. Interest rate: subject to the regulations of the People's Bank of China (see repayment schedule for details).
4. The specific amount and duration of the loan depends on the borrower's application and repayment ability.
Fourth, how to borrow the second-hand housing provident fund?
The loan process of second-hand housing provident fund is as follows: 1. When a borrower applies for a housing provident fund loan, he/she needs to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loan and truthfully provide the following information: (1) the applicant's and spouse's housing provident fund deposit certificate; (2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (4) valid documents such as purchase contract and agreement; (5) List of mortgaged property and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of mortgage evaluation issued by relevant departments; (6) The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract; (7) Other information required by the Provident Fund Center. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time; 3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results; 4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping. The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.