How to go to Baoji provident fund loan process? Borrowers can first take ID cards and other materials to the local provident fund management center or related banks for consultation to see if they meet the conditions for provident fund loans and prepare the corresponding loan materials. How to go to Baoji provident fund loan process?
Baoji provident fund loan process 1 how to get to the loan process?
1, pre-loan consultation
Applicants go to Baoji Housing Provident Fund Management Center or log on to the housing provident fund website for consultation and get relevant forms.
2. Loan application
Loan applicants and their spouses prepare relevant materials and apply for loans at Baoji Housing Provident Fund Management Center.
3, loan review and contract signing
The management center shall complete the three-level review procedures of loan preliminary examination, review and approval within 10 working days from the date of accepting the application, and notify the borrower to sign a loan contract with the entrusted bank if the loan is approved; If the loan is not granted, the management center shall notify the applicant and explain the reasons.
4. Apply for mortgage guarantee
Loan mortgage guarantee procedures shall be handled by the housing developer to the real estate management department, depending on the speed of the developer.
5. Lending
After the mortgage registration formalities are completed, the management center shall notify the entrusted bank to transfer the loan funds into the collection account of the selling unit within 5 working days after receiving the mortgage.
6. Performance repayment
According to the loan contract, the borrower shall repay the loan on a monthly basis until all the principal and interest of the loan are paid off.
Step 7 settle the loan
The entrusted bank and provident fund management center issue repayment certificates, and the borrower goes to the housing property registration department to go through the formalities of canceling the mortgage guarantee and get back the mortgage and pledge, and the loan contract is terminated.
How to take the loan process of Baoji Provident Fund 2 There are four calculation methods for the amount of provident fund loans, and the conclusions drawn by different calculation methods are different, so the lowest value can only be selected as the maximum amount of provident fund loans.
1, and the maximum balance of the account is 20 times. It is stipulated in the provident fund loan that the maximum loan amount shall not exceed 20 times the balance of the provident fund account, which means that the more the balance, the higher the loan amount.
2. Calculated according to the total house price, the amount of provident fund loan is calculated according to the building area. For houses with a building area of less than 90 square meters, the maximum amount of provident fund loans is 70% of the total house price, and the maximum amount of provident fund loans is' 80% of the total house price.
3. According to the borrower's repayment ability, there is a fixed calculation formula for the maximum loan amount, [(borrower's total monthly income+monthly deposit of housing provident fund) *40%- borrower's current monthly repayment amount ]* 12 (month) * loan period = loan amount. Borrowers can calculate the loan amount according to their monthly deposits, income and other values.
4. According to local policies, the provident fund loan policy in each place is different. Generally, the maximum loan amount of individual provident fund in first-tier cities is 600,000 yuan, and the maximum loan amount in quasi-first-tier cities is 400,000 yuan. Borrowers can take the initiative to contact the customer service of the local provident fund management center to understand the local policies.
How to take Baoji provident fund loan process 3 Baoji provident fund loan
Provident fund loan interest rate:
The benchmark interest rate (annual interest rate) of provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years.
The specific provisions are as follows:
(1) The loan interest rate shall be subject to the housing provident fund loan interest rate stipulated by the People's Bank of China.
(2) If the loan term is 1 year, the interest rate agreed in the loan contract shall be implemented. In case of legal interest rate adjustment, the loan interest rate remains unchanged.
(3) If the loan term exceeds 1 year, the newly issued provident fund loan shall be implemented according to the interest rate grade standard of housing provident fund loan announced by the People's Bank of China on the day of issuance; In case of legal interest rate adjustment of existing loans, the new interest rate standard will be implemented according to the corresponding interest rate grade from the following year 1.
(4) Apply for housing provident fund loan for the second time, and the loan interest rate will rise 10% on the basis of the first housing provident fund loan interest rate in the same period.
Loan term:
The shortest term of provident fund loans shall not be less than 1 year, and the longest term shall be 30 years. The actual loan period shall not exceed 5 years after the borrower's statutory retirement age, and the loan period shall not exceed the remaining service life of the house.