First, Huangshi provident fund loan materials
(a) the applicant and spouse housing provident fund deposit certificate;
(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;
(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
(four) the purchase of housing contracts, agreements and other valid documents;
(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;
Second, the loan amount of Huangshi Provident Fund
(a) laws and regulations shall not be higher than the proportion of the total purchase, construction, renovation or overhaul of self-owned housing. Among them, the total amount of purchased self-owned houses does not include garages (spaces). If the value of the garage (place) and the house cannot be assessed on the same deed tax invoice, it shall be verified by 654.38+ 10,000 yuan/month, which shall be deducted when calculating the loan amount. The total amount of second-hand housing purchase is based on the lower transaction amount and evaluation value in the housing value-added tax or deed tax invoice; What is the house? Maternal and child condoms? Yes, the total purchase price is calculated according to a set of purchase prices.
(two) the construction, renovation and overhaul of houses with their own property rights, the nature of the land is collectively owned, and the real estate is used as collateral, and the loan amount shall not exceed 70% of the value of the collateral.
(3) When buying, building, renovating or overhauling a house with its own property rights, the sum of the loan amount and the withdrawal amount applied for the same house shall not exceed the value of all the rights of the borrower and his spouse.
(four) the formula for calculating the loan amount of the applicant and his spouse is:
Loan amount = the sum of the average monthly balance of the housing provident fund account when the applicant and his spouse apply for housing provident fund loans? Many laws and regulations.
The calculation method of the monthly average balance of employee accounts is the monthly average end-of-month account balance of nearly 12 months when applying for loans (excluding one-time payment). If the deposit time is less than 12 months, the average value shall be calculated according to 12 months.
The multiple of laws and regulations is determined by 15 times, and Huangshi Housing Provident Fund Management Center can adjust it according to the situation in loan-to-deposit ratio.