Interest-free bank loans are secured by the credit of provident fund. What are the procedures after repayment?

1. After the mortgage repayment, you need to go through the following procedures: 1. Go through the cancellation procedures of housing mortgages with the loan bank; 2. Go through the refund procedures for the corresponding insurance premium with the insurance company; 3. Return the deposit to the developer (if any). 2. If you have handled the real estate license during the loan period, you only need to take the cancellation form, other warrants and ID card of the bank to the window of the housing management office of the administrative service center. If you don't have a real estate license, take the cancellation form of the bank to the window of the housing management office for cancellation after the loan repayment, and then apply for a real estate license, you must bring the following information: 1. Copy of the ID card or household registration book of the property owner and the owner, household registration certificate and personal seal; 2. Purchase contract (original); 3. Copy of deed certificate; 4. Purchase invoice and copy; 5. Door license and copy

How much interest-free housing provident fund loan can be obtained

Housing provident fund loan.

(Note: the content of this article is compiled from the Internet for reference only)

1. What is the maximum loan amount for housing provident fund loans

1. Generally, if one person applies for housing provident fund loans, the maximum loan amount is 5, yuan, and if two or more people purchase the same house and apply for housing provident fund loans, the maximum loan amount is 8, yuan.

2. For specific suggestions, please check with the local public fund management center.

2. Housing provident fund loans

1. Housing provident fund loans refer to housing mortgage loans granted by local housing provident fund management centers to on-the-job employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment.

2. Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 4, yuan. The maximum amount of individual housing provident fund loans in Guangzhou is 5, yuan, and the maximum amount of housing provident fund loans in Beijing is 8, yuan. If the rating is rated as 3A, it can reach 8, (13%) = 1.4 million.

3. Secondly, the maximum loan amount of housing provident fund shall not exceed 7% of the total house payment; Formula of loan amount of housing provident fund: sum of individual monthly contributions of the borrower and spouse's provident fund ÷ actual contribution ratio ×12 (month )× .45 (repayment ability coefficient )× loan period (longest loanable period). If the contribution ratio of husband and wife is inconsistent, the actual contribution ratio shall be determined according to the higher one. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse. To apply for provident fund loans, the monthly repayment/monthly income should be no more than 5% (in which: monthly repayment includes the sum of monthly repayment of existing liabilities and current liabilities).

can the provident fund loan be interest-free for five years after it is approved this month?

No.

Housing provident fund loans are interest-bearing and cannot be interest-free for five years. There are interest regulations on housing provident fund: the interest rate of provident fund loans is also a floating interest rate type, so the interest rate of provident fund loans will change according to the adjustment of the central bank loan interest rate in the actual process;

Can I apply for an interest-free loan for building a house in rural areas?

Self-built houses in rural areas can be financed by housing provident fund.

Requirements for applying for provident fund loans:

1. The housing provident fund system has been established for one year, and the housing provident fund has been paid in full monthly for more than half a year;

2. It has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. There are legal housing purchase (construction, renovation, overhaul) contracts and agreements and certification documents approved by relevant departments;

4. If you purchase a house, you should have paid the down payment of not less than the specified proportion; Construction, renovation and overhaul of housing, can pay not less than the prescribed proportion of the cost of construction, renovation and overhaul of housing down payment or self financing;

5. It can provide guarantee conditions recognized by the management center. At present, the guarantee methods recognized by the provident fund management center are the houses that have obtained property rights as loan collateral, and the guarantee companies or real estate companies use the houses purchased by loans as loan collateral, and at the same time provide joint or phased guarantee and housing provident fund joint guarantee.

Information required to apply for housing accumulation fund:

1. Purchase of self-occupied housing: individual application, unit certificate, purchase contract and invoice (see the original and keep a copy);

2. Resignation and retirement: individual application, unit certificate, resignation and retirement approval (original and photocopy);

3. On-the-job death: identity certificate of the entrusted extractor, certificate of the extractor's unit and death certificate (original and photocopy);

4. Self-built and self-occupied housing: individual application, unit certificate, building approval procedures (original and photocopy of the permit);

5. Renovation and overhaul of owner-occupied housing: individual application, unit certificate, original and photocopy of relevant examination and approval procedures;

6. Exit and settlement: individual application, unit certificate and exit and settlement certificate;

7. Repaying the principal and interest of the house loan: individual application, unit certificate.

Steps to apply for housing provident fund loan:

1. Preliminary examination: The housing fund management center will conduct a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan term. After passing the preliminary examination, the center will issue a Notice of Collateral Review and Evaluation;

2. Appraisal: The applicant will go to the appraisal institution designated by the center with the Notice of Collateral Examination and Appraisal to appraise the value of the purchased house. Affordable housing does not need to be evaluated;

3. Review: The applicant will go to the center to review the loan with the Appraisal Report issued by the appraisal agency and the preliminary examination materials required by the center. If it is qualified, the center will issue the Notice of Investigation on Entrusted Loan Guaranteed by Housing Fund Management Center;

4. Go through the guarantee formalities: The applicant holds the Notice of Investigation on Entrusted Loan Guaranteed by Housing Fund Management Center and goes through the guarantee formalities according to the guarantee method he chooses. If mortgage guarantee is selected, the guarantor shall issue a written letter of guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance at an insurance company or go through the formalities of entrusted guarantee at a guarantee institution;

5. Sign a loan contract;

6. The housing fund management center signs an entrusted loan agreement with the entrusted bank;

7. The borrower directly submits a loan application to the housing fund management center, and the entrusted industry can collect the borrower's application materials on behalf of the borrower according to the needs and submit them to the housing fund management center for review and approval;

8. After the housing fund management center has approved the amount, term and interest rate of each loan, it will sign an entrusted loan contract with the entrusted bank;

9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, Pledge Contract for Housing Provident Fund Entrusted Loan and Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.

The above is the answer to the question of whether housing provident fund loans can be used for rural housing construction.