Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
What are the requirements for provident fund loans?
You must be eligible to participate in the provident fund. Provident fund qualification means that employees who participate in the housing provident fund plan are eligible to apply for housing provident fund loans. Your company has the benefits of provident fund, which you can pay on time. 2. Housing provident fund loans must be unique. When you haven't paid off the principal and interest of the loan, you can't get the housing provident fund loan, so the provident fund is for family use. 3. The provident fund loan must be earmarked for special purposes, which means that your provident fund loan must be used for the sale of houses and cannot be used for other purposes. This is managed by the provident fund management center and needs to be reviewed to some extent. Attention, everyone. According to the latest regulations of our country, as long as you pay the provident fund for half a year, you can use the provident fund loan. The general amount is around 300,000 to 400,000, depending on the specific situation.
Two. Provident Fund loan process
First, go to the business department of each branch (department) of the bank to handle the personal housing mortgage loan, and inquire about the types, loan objects and loan amount of the housing mortgage loan in detail. Accepting applications for personal housing commercial loans. Provide information and evidence. The bank examines whether the borrower belongs to the loan object, meets the loan conditions and has sufficient ability to repay the loan principal and interest, then determines the actual loan amount and informs the lender of the loan commitment. The borrower signs a contract with the loan bank. After receiving the loan contract and house mortgage contract notarized by the notary office, you can go to the district or county real estate registration office where the purchased house is located for real estate mortgage registration.
To sum up, 30,000 provident fund loans are calculated according to the formula. If you want to make a provident fund loan, you need to meet many conditions. The loan must be unique and there can be no other loans. The loan amount is generally between 300,000 and 400,000. Before the loan, you need to go to the bank and other departments to understand the relevant types and quotas.