Generally, the provident fund is paid 12 months or more, and you can borrow money to buy a house. Applicants who are preparing for loans must pay the provident fund continuously for 12 months or more before they are eligible to buy a house, and the provident fund for this 12 month must be paid continuously without interruption. Provident fund deposit 12 months or more. After this condition is met, it must be approved by the center. After the approval of the center, the bank will issue the loan to the applicant.
Regulations on the administration of housing provident fund
Article 17
The new employees will pay the housing arbitration provident fund from the second month of their work, and the monthly deposit amount is the employee's own salary multiplied by the employee's housing provident fund deposit 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. Article 26
Workers who have paid housing provident fund can apply for housing provident fund loans to 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.
2. How long can Shenyang Housing Provident Fund repay the loan?
Loan Guide This guide is applicable to employees who work in Shenyang, pay the housing provident fund in the center, take the housing provident fund as the source of funds, are entrusted by the bank, and the job search condition is 1. 2, before applying for a loan, the applicant or * * * and the applicant's unit in accordance with the provisions of the full payment of housing provident fund for employees ratio of not less than 20%. If the applicant or * * * and the applicant apply for housing provident fund (including entrusted loan repayment), the down payment ratio of the loan will be increased by 10% respectively from the existing policy sources. If the applicant and Jin Loan have used loans overdue for three times before, the down payment ratio of the loan will be increased by 10% in the same property. Loans exceed the economic income and repayment ability of housing provident fund loans. 5. The applicant agrees to provide the loan guarantee method approved by the Center. 6. The applicant and the applicant (including spouse) have no outstanding loans or other debts. 7. The development enterprise of the shopping industry of the applicant has signed a guarantee agreement with the center. ★ Loan requirements 1, the applicant, provide 3 copies of the documents and their copies (copy on both sides of A4 paper, the same below). 2. domestic. 3. The original and photocopy of the marriage certificate 1 copy (single person must provide the original with a registered residence 1 copy, valid for 1 month). 4, housing provident fund savings inquiry card. 5. Original commercial housing sales contract). 6, commercial housing sales (pre-sale) house number approval form 2 copies. 8. Or 1 Original advance notice registration form. 9. Down payment and full payment receipt. 10, 1 original and photocopy of maintenance fund and deed tax receipt. The above materials are only needed for the center and guarantee. ★ The time limit for quasi-loan and the housing regulations require that the loan be paid first and then the down payment is allowed to apply. At the time of purchase, you can own the house ownership certificate of state-owned land (except bungalows). ★ Loan amount, proportion and term: the housing paid by the applicant is 200,000 yuan. Both the applicant and * * * pay the housing accumulation fund for the applicant, and the maximum loan amount is 400,000 yuan, accounting for 80% of the loan price. The shortest term of the loan is 1 year, and the longest term is 300 years old, and the female is no more than 55 years old. Employees who meet the following three conditions can be relaxed to 65 years old for men and 60 years old for women. (1) The man is 50 years old and the woman is 45 years old; (2) continuous deposit of provident fund for more than 3 years (including 3 years); (3) Apply for provident fund loan for the first time since deposit of provident fund. The formula for calculating the specific limit is: the applicant and * * * have the same application. 5× 12 months× loan term. ★ Loan application: the applicant and * * * together with the applicant fill in the preliminary examination of publicity in the personal loan acceptance window of the central district management department (hereinafter referred to as the management department) where the housing provident fund is deposited: the acceptance personnel conduct the preliminary examination of materials according to the loan policy, enter the form information, and after passing the examination, the system outputs the contract text, loan receipt and entrusted deduction agreement. Guarantee and mortgage after handling the bank repayment card (discount): the applicant and * * * handle the formalities with the applicant. 5. Lending: After completing the guarantee and mortgage procedures within the agreed time limit, the management department rechecks the receipt and loan information, and entrusts the bank to sign a loan guarantee agreement. The borrower shall collect the corresponding receipt from the entrusting bank with the original ID card. 6. Within the time limit agreed in the agreement, deposit the loan principal and interest payable in the current month into the bank card (discount) or repay it at the bank window. Repayment method: the borrower can choose the matching principal and interest method and the following methods: provident fund repayment: the borrower and his spouse can sign the Agreement on Entrusting Housing Provident Fund to Repay Personal Housing Provident Fund Loan with the Center, and the Center will deduct the principal and interest of the provident fund loan from the regular balance of the borrower's and his spouse's provident fund account every month. When the term balance is less than the whole period, it will be deducted from the bank card. 3. Bank card withholding: After the borrower and the entrusted loan bank sign the Agreement on Entrusted Deduction of Housing Provident Fund Loan, the entrusted bank will deduct the loan principal and interest from the bank card every month, and the borrower shall deposit the current principal and interest into the card before the monthly lending date. 4. Overdue penalty interest: The Center and the entrusting bank will collect penalty interest for borrowers who fail to repay on time according to the regulations of the People's Bank of China. The center has the right to take legal action against borrowers who are overdue for three consecutive months and accumulated for six months, and the bad records are recorded in the personal credit information system. 5. Information service: The borrower can sign an application for personal short message service with the center, and the center will regularly send the borrower's mobile phone information such as the deposit and withdrawal of provident fund, the repayment of provident fund loans, overdue status and so on. 6. Repaying the loan in advance: If the borrower repays the provident fund loan in advance for more than one year, the loan principal will be reduced by no less than 5,000 yuan each time, and the center will recalculate the monthly repayment amount of the borrower. (Commercial banks are partially subject to the provisions of entrusted loan banks) 7. Repayment in advance: If the borrower repays the provident fund loan in advance for more than one year, the loan contract between the borrower and the center will be terminated after the loan principal and interest are paid off. If there is any change in the above contents, the latest policy shall prevail.
3. How long can Suzhou Provident Fund repay the loan?
To apply for a provident fund credit loan, you need to deposit it continuously for more than one year before you can get a loan.
If a house is purchased with a provident fund loan, the borrower has paid the provident fund in full for more than 6 months (inclusive) when applying for the loan, and the provident fund account is in a paid state. Representative cities are Beijing, Shanghai, Guangzhou, Shenzhen, Harbin, Changchun, Shenyang, Taiyuan, Nanjing, Hangzhou, Baotou, Wuhan, Nanchang, Kunming, Fuzhou, Jinan and Haikou;
There are also cities that still require a continuous deposit of 12 months or more to obtain loans, such as Tianjin and Changsha.
How long can Shenyang housing provident fund pay for loans?
Shenyang Housing Provident Fund Commercial Housing Loan Guide This guide is applicable to the loan application issued by Shenyang Housing Provident Fund Management Center (hereinafter referred to as the Center) for the purchase of commercial housing for employees who have paid the housing provident fund with the housing provident fund as the source of funds and entrusted by the bank. ★ Loan application conditions 1. Workers who work in Shenyang and pay housing provident fund in the center. 2. Before applying for a loan, the applicant or the applicant's unit has paid the housing provident fund for the employees for one year as required. 3. The down payment ratio of house purchase shall not be less than 20%. If the applicant or * * * and the applicant withdraw the housing accumulation fund (including entrusted repayment) within one year before the date of applying for the loan, the down payment ratio of the loan will be increased by 10% according to different houses on the basis of the existing policy. If the applicant and * * * the same applicant have bad credit records in loans overdue for less than three times (including three times) before applying for the housing provident fund loan, the down payment ratio of the loan will be increased 10% according to different houses on the basis of the existing policy. Loans overdue no longer accepts housing provident fund loans for more than three times. 4. The applicant has a stable economic income and the ability to repay the loan. 5. The applicant agrees to provide the loan guarantee method approved by the Center. 6. The applicant and the applicant (including spouse) have no outstanding loans or other debts. 7. The development enterprise of the shopping industry of the applicant has signed a guarantee agreement with the center. ★ Loan requirements 1, and three originals and photocopies of the applicant's and * * * applicant's ID cards (copied on both sides of a4 paper, the same below). 2. Original and photocopy of the household registration book 1 copy. 3. Original and photocopy of marriage certificate 1 copy (single person should provide the original 1 copy of marriage information certificate issued by the civil affairs department where the household registration is located, and the validity period is 1 month). 4, housing provident fund savings inquiry card. 5. 4 originals of the commercial housing sales contract (including 1 contract for filing). 6. Two copies of commercial housing sales (pre-sale) license. 7. The new building number approval form in duplicate. 8. Original 1 copy of the Record Form for Commercial Housing Sales Contract or original 1 copy of the Advance Notice Registration Form. 9. 1 Original and photocopy of down payment receipt and full invoice. 10, 1 original and photocopy of maintenance fund and deed tax receipt. The above materials are only needed for the center and guarantee. ★ The time limit for quasi-loan and the agreement on housing allow the borrower to apply after signing the house purchase contract and paying the down payment. The purchased houses are limited to the administrative divisions of this Municipality, and houses with the ownership certificate of state-owned land can be purchased (except bungalows). ★ Loan amount, proportion and term: the applicant pays the housing accumulation fund, with the maximum loan amount of 200,000 yuan. The applicant and * * * jointly pay the housing provident fund, with a maximum loan amount of 400,000 yuan, which does not exceed 80% of the transaction price of the commercial house. The shortest term of the loan is 1 year and the longest term is 30 years. Men should not be over 60 years old and women should not be over 55 years old. Employees who meet the following three conditions can be relaxed to 65 years old for men and 60 years old for women. (1) The man is 50 years old and the woman is 45 years old; (2) continuous deposit of provident fund for more than 3 years (including 3 years); (3) Apply for provident fund loan for the first time since deposit of provident fund. The formula for calculating the specific limit is: the salary base of the applicant and the monthly contribution of the same applicant's provident fund ×0.5× 12 months× loan period. ★ Procedures for loan 1 Application: The applicant and * * * together with the applicant fill in the Application Form for Provident Fund Loan in the personal loan acceptance window of the management department of each district in the center where the housing provident fund is deposited. 2. Preliminary review: the accepting personnel conduct preliminary review of the materials according to the loan policy, enter information in the form, and after approval, the system outputs the contract text, loan receipt and entrusted deduction agreement. 3. Signature: The applicant and the applicant sign the above words for confirmation after handling the bank repayment card (discount). 4. Handling the guarantee mortgage: the applicant and * * * together with the applicant go to the guarantee company window to handle the guarantee mortgage formalities. 5. Lending: After completing the guarantee and mortgage procedures within the agreed time limit, the management department checks the collection and loan materials, and entrusts the bank to transfer the loan to the account reserved when the development enterprise signs the guarantee agreement with the center. The borrower shall collect the corresponding receipt from the entrusting bank with the original ID card. 6. Repayment: The borrower shall deposit the loan principal and interest due in the current month into the bank card (discount) or repay the loan at the opening bank window within the period agreed in the entrusted deduction agreement every month until the loan is fully paid off. ★ Repay the loan 1. Repayment method: The borrower can choose two repayment methods: equal principal and interest method and average capital method. The formula is as follows: 2. Provident Fund Repayment: The borrower and his spouse can sign the Individual Housing Provident Fund Loan Repayment Agreement with the Center by entrusting the housing provident fund, and the Center will deduct the principal and interest of the provident fund loan from the regular balance of the borrower's and his spouse's provident fund account every month. When the term balance is less than the whole period, it will be deducted from the bank card. 3. Bank card withholding: After the borrower and the entrusted loan bank sign the Agreement on Entrusted Deduction of Housing Provident Fund Loans, the entrusted bank will deduct the loan principal and interest from the bank card every month, and the borrower shall deposit the current principal and interest into the card before the monthly lending date. 4. Overdue penalty interest: The Center and the entrusting bank will collect penalty interest for borrowers who fail to repay on time according to the regulations of the People's Bank of China. The center has the right to take legal action against borrowers who are overdue for three consecutive months and accumulated for six months, and the bad records are recorded in the personal credit information system. 5. Information service: The borrower can sign an application for personal short message service with the center, and the center will regularly send the borrower's mobile phone information such as the deposit and withdrawal of provident fund, the repayment of provident fund loans, overdue status and so on. 6. Repaying the loan in advance: If the borrower repays the provident fund loan in advance for more than one year, the loan principal will be reduced by no less than 5,000 yuan each time, and the center will recalculate the monthly repayment amount of the borrower. (Commercial banks are partially subject to the provisions of entrusted loan banks) 7. Repayment in advance: If the borrower repays the provident fund loan in advance for more than one year, the loan contract between the borrower and the center will be terminated after the loan principal and interest are paid off. If there is any change in the above contents, the latest policy shall prevail.