Question 2: What does it mean to buy a house with a provident fund loan? Total house price: 4200* 150=630000.
Down payment: after 30%, provident fund loan: 2 million, commercial loan = total house price-down payment-provident fund loan.
Repay the loan every month. The loan form you choose before the loan will have a fixed amount every month. Remove the part of the provident fund deduction, which is the part you should put in to repay the loan. For example, if you pay back 4,000 yuan a month and deduct 1.500 yuan from the provident fund, it will cost you 2,500 yuan to repay the loan. If you have a deposit, you can choose to repay the loan in advance by one-time annual repayment, but 1 there will be a penalty within 3 years, but not after 3 years.
The monthly payment of 4,000 yuan was determined when the loan was approved. 5,000 yuan can't be repaid, so you can only choose to repay the loan in advance.
You can ask me more questions.
Question 3: What does housing provident fund loan mean? To put it simply, some units pay this housing provident fund for their employees, and a part of it will be deducted from their wages every month. At the same time, the unit will help you pay the same amount of money. Then the money is yours. When buying a house, renting a house or repairing a house, you can take out the money stored in it, or you can use the provident fund loan. The interest is lower than the normal interest of the bank. That's it.
Question 4: What does it mean to buy a house with a provident fund loan? You can get extra points if you are satisfied. Buying a house with provident fund loan means that when you need to buy a house and need a loan, you can apply for a loan (up to 300,000 yuan) based on the balance in the provident fund account as long as you have paid the provident fund for one year, and the loan interest rate is about 30% lower than that of commercial mortgage. In addition: when buying a house loan (including a commercial mortgage loan), you can withdraw the provident fund to repay the loan principal and interest with relevant information during the repayment period. If you still don't understand, please ask.
Question 5: What does the individual housing provident fund mean? Hello, housing accumulation fund is a kind of housing welfare of the country. Used to make a house loan.
1。 The use of housing provident fund loans must be bought and sold, or house decoration.
2。 If housing provident fund is needed, the loan provident fund must be continuously deposited for 12 months or more. You can apply for a loan at the local provident fund management center.
3。 After buying a house, you can go to the local designated provident fund management center to withdraw the provident fund with the purchase contract (real estate license), down payment invoice or loan contract.
4。 The amount of provident fund loan depends on your monthly deposit. The company will give you half, and you will pay half yourself. (Personal payment 100, and the company also pays 100) The amount paid by individuals directly reflects personal income and your repayment ability.
Zfgjj/ You can go and have a look!
Question 6: What is provident fund? What about buying a house with a provident fund loan? "Provident fund" is now a familiar word. A few years ago, people still remembered its obligations to the unit when building a house, but now people are more concerned about the convenience it will provide for themselves when buying a house with a loan. From the group to the individual, the change of the main body of the house purchase makes the service object of the provident fund more single and clear: you, me, him and each of us will be cared for by the housing provident fund like the sun. In the era of monetized housing distribution, housing provident fund, as a real security network, will undertake the important mission of housing security. The promulgation of "Regulations on the Management of Housing Provident Fund" indicates that this network is fixed in the powerful form of legal system. After reading the following popular question-and-answer explanation of the Regulations, you may realize that if someone infringes on your rights and interests in the housing accumulation fund, you can take him to court according to the law. On April 8 this year, the Regulations on the Management of Housing Provident Fund was officially promulgated and implemented. Then, what is the close relationship between the newly promulgated Regulations on the Management of Housing Provident Fund and ordinary people?
Q: What does the housing accumulation fund mentioned in the regulations mean?
Answer: It refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. Q: Who owns the housing provident fund and how will it be managed?
Answer: The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the employee's unit for employees belong to individual employees. The management of housing provident fund shall follow the principles of decision-making of housing committee, operation of housing provident fund management center, special account storage and financial supervision.
Q: Where is the housing provident fund mainly used?
A: The housing accumulation fund should be used for the purchase, construction, renovation and overhaul of owner-occupied housing, and no unit or individual may use it for other purposes.
Q: How should units and employees pay the housing provident fund?
Answer: The unit should register the deposit of housing provident fund at the housing provident fund management center, and set up a housing provident fund account for its employees at the entrusted bank after being audited by the housing provident fund management center. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.
Q: How should a newly established unit handle the deposit formalities?
Answer: A newly established unit shall register the deposit of housing provident fund at the housing provident fund management center within 30 days from the date of establishment, and set up a housing provident fund account for its employees at the entrusted bank with the audit documents of the housing provident fund management center within 20 days from the date of registration.
Q: What if the unit is merged, divided, revoked, dissolved or bankrupt? Answer: The original unit or liquidation organization shall handle the change or cancellation of registration at the housing provident fund management center within 30 days from the date of the above situation, and handle the transfer or sealing of the housing provident fund account for its employees at the entrusted bank within 20 days from the date of completing the change or cancellation of registration.
Q: How should new employees or people who have already joined the work go through the deposit procedures?
A: New employees should go to the Housing Provident Fund Management Center for deposit registration within 30 days from the date of employment, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the Housing Provident Fund Management Center. The new employee starts to pay the housing provident fund from the second month after joining the work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.
Q: What should I do if the unit and employees have dissolved their labor relations?
Answer: The unit shall go to the Housing Provident Fund Management Center for change registration within 30 days from the date of termination of labor relations, and go to the entrusted bank for transfer or sealing of employee housing provident fund accounts with the audit documents of the Housing Provident Fund Management Center.
Q: How much housing accumulation fund should employees and units pay each month?
Answer: The monthly contribution of employees should be the average monthly salary of employees in the previous year multiplied by the contribution ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit. The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio.
Q: Employees should ... >>
Question 7: What is the significance of housing provident fund loans? The conditions for applying for provident fund loans are:
Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate;
The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months;
The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;
The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan;
Sign a house purchase contract or contract with the sales office;
Meet other conditions stipulated by the trustor and the trustee.
Housing provident fund loan process:
Lenders applying for housing provident fund loans need to submit a written application to the bank;
For the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time;
The provident fund center is responsible for approving loans and informing the bank of the approval results in time;
The bank informs the applicant to go through the loan formalities according to the examination and approval results of the provident fund center, and the borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for examination and approval. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.
If the borrower has a mortgage, he shall go through the mortgage registration formalities with the property right 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.
Question 8: What is the process of buying a house with a personal housing provident fund loan? Housing provident fund loans should be handled according to the following procedures:
(a) the borrower to apply for housing provident fund loans to the city housing provident fund management center to submit a written application, fill in the housing provident fund loan application form and truthfully provide relevant information.
(II) The municipal housing provident fund management center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount, loan term and contract completion, and the borrower signs relevant contracts or agreements with the center, and handles insurance according to the provisions of the People's Bank of China.
(three) after the completion of the loan procedures, the city housing provident fund management center issued a loan approval notice to the bank, and the bank went through the loan issuance procedures after receiving the loan notice.
Special reminder: when buying a house, the borrower can go to the bank to calculate the loan amount and monthly repayment amount according to his own provident fund payment. According to the relevant provisions of provident fund management, it is withdrawn once a year. Suppose the customer withdraws the provident fund once a year 15000 yuan, the monthly repayment amount of provident fund loans is 1500 yuan, and the repayment amount of commercial loans is 1000 yuan. In terms of repayment method, you can choose the "balance loan cancellation method", that is, the extracted provident fund will first return the housing provident fund loan and the principal and interest of the current month's commercial loan (* * * is 2500 yuan). The balance 12500 yuan can be used to repay the principal of the housing commercial loan in one lump sum. After paying off the housing commercial loan principal, use the remaining balance to repay the provident fund loan principal, because the commercial loan interest rate is higher than the provident fund loan interest rate. After "repaying the loan", the borrower can choose to shorten the original repayment period, or keep the repayment period unchanged and reduce the monthly repayment amount. However, at present, commercial banks have certain restrictions on the number of prepayments for customers. If the customer chooses the repayment method of "matching principal and interest" and the monthly repayment amount remains unchanged at 2,500 yuan, the withdrawn provident fund15,000 yuan will be deducted continuously at 2,500 yuan per month according to the original deduction method. When the balance is insufficient, the borrower shall timely inject the full amount into the bank card for repayment. Customers can choose the above two repayment methods according to their actual situation.
If customers apply for commercial loans when buying individual housing, such as individual housing mortgage loans, individual housing transfer loans, individual re-trading housing loans, etc. At that time, for various reasons, I did not apply for a "provident fund" loan to buy a house. Now the personal provident fund has reached the prescribed number of years and quota, which is in line with the conditions for applying for provident fund housing loans. Although commercial banks can't convert commercial loans to provident fund housing loans at present, they can withdraw provident fund to repay the principal and interest of commercial loans. As long as the borrower applies to the provident fund management center and goes through the relevant procedures for withdrawing the provident fund, he can withdraw the provident fund and return the principal and interest of the individual housing loan.
Workflow of applying for personal housing loan from the bank;
(1) The buyer shall sign a commodity house pre-sale contract with the developer.
(2) Pay more than 30% of the house price.
(three) to the housing management department for pre-sale registration.
(4) After completing the pre-sale registration, the buyer holds the original contract and fills in the loan application and loan contract.
The interest of these two repayment methods is very different.
The average homebuyer only knows that the loan must be repaid with interest, but the interest of different repayment methods varies greatly. If the loan amount is about 400,000 yuan and the term is 30 years, the interest difference can reach 65,438+10,000 yuan! Many people are still in the dark about this-there is a big difference in interest between the two repayment methods. Here is an excerpt for your reference.
Mr. Liu, a citizen, just bought a new house last month, completed the formalities of housing loan, and repaid nearly 2000 yuan every month. Who knows that just this month, after repaying the loan for the first time, Mr. Liu learned something that surprised him greatly-one of his relatives had almost the same loan amount and the same service life, but the overall interest on repayment was nearly 25,000 yuan less! The reason is that they have adopted different repayment methods. Previously, Mr. Liu said that he knew nothing about another way of repaying loans.
"When signing the contract, the bank staff just brought a lot of loan contracts, many of them, and then helped you turn around for a while, pointing to some blank places, asking you to sign, fill in the ID number and press your fingerprints. There is no mention of another repayment method. "
After signing the loan contract, Mr. Liu calculated by himself that the total interest was as high as176,000 yuan. If it weren't for the reminder of relatives, Mr. Liu thought that the loan was done like this. Angry and distressed, Mr. Liu couldn't help but take out his loan contract and read it carefully several times. He found that there are indeed two loan methods for him to choose from in the contract, but the blank space has been filled in by the bank in advance with the equal principal and interest repayment method, so there is no room for his own consideration. He invited friends ... >>
Question 9: The meaning of the calculation formula of housing provident fund interest: earned regular interest = balance of regular partial deposits × three-month lump-sum deposit and withdrawal interest rate; Current interest = current income x days x current annual interest rate /360 days. The accounting year of housing provident fund is July of that year 1- June 30th of the following year, and the interest will be settled on June 30th every year. Practical example: For example, an employee started to pay the housing accumulation fund from September 201/year, and the monthly deposit amount is 500 yuan, plus the company's 500 yuan, and the monthly balance in the account is 1000 yuan. As of June 30, 20 12, the balance of employee housing provident fund account was 10000 yuan. The interest of this 65,438+00,000 yuan is 0.4% at the current interest rate: the current interest: 65,438+00,000 * (0.4/65,438+000/65,438+02 * 65,438+00 months) =33 yuan. Principal and interest of the current year:10000+1000 =10033 Yuan 2011July-201June, employees pay fees continuously 12 months. The first step of settlement method: the interest of RMB 4,065,438+02 in the previous year is calculated according to the three-month lump-sum deposit rate (2.85%): RMB 65,438+00033 * (2.85%) = RMB 285.94 (interest), and the sum of principal and interest is RMB 65,438+04. Step 2: The interest of 4,800 yuan in that year is calculated according to the deposit interest rate (0.5%): 10000*0.5%=50 yuan (interest), and the sum of principal and interest is 10000+50= 10050 yuan. As of June 30th, 20 12, the balance in the employee housing provident fund account is:10318.94+10050 = 20368.94 yuan. The RMB 20,368.94 yuan bears interest on June 30, 2065,438+2003 at the three-month lump-sum deposit and withdrawal rate; The housing accumulation fund paid from June 20 1 1 to June 20 12 shall be settled at the current interest rate published on June 30, 20 12. Summary: June 30th is the interest settlement point. Interest will be calculated at the current rate less than one year before this interest settlement point, and at the three-month fixed deposit rate for one year.