Can't be used for housing loans.

Provident fund loan conditions:

On-the-job employees with full capacity for civil conduct and full deposit of housing provident fund;

Continuous normal deposit of housing provident fund for more than six months;

The purchase and construction of owner-occupied housing within the administrative area has been paid off in accordance with the regulations.

Personal credit is good, economic income is stable, and there is the ability to repay loans.

Agree to use the purchased house as loan collateral, or provide a guarantee approved by the management center.

Provident fund loan processing flow:

Proof of deposit of housing provident fund of the applicant and spouse;

Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;

Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

Valid documents such as purchase contract and agreement;

Collateral, pledge list, proof of property right and the certificate that the authorized person agrees to dispose of the collateral, as well as the property valuation used for guarantee;

Public insurance, and pay the guarantee fee, the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

2. Can Changsha's provident fund be used for housing loans?

Can not be used for house loans, can be used for ordinary houses.

Provident fund loan conditions:

1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full;

2. Continuous normal deposit of housing provident fund for more than six months;

3. Purchase and build self-occupied housing within the administrative area, and have paid off the purchase price above the prescribed down payment ratio;

4. Good personal credit, stable economic income and the ability to repay the loan principal and interest;

5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.

Provident fund loan processing flow:

1. Proof of deposit of housing provident fund of the applicant and spouse;

2. The identity certificate of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and 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;

4. Valid documents such as purchase contract and agreement;

5. Collateral, pledge list, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;

6. The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor sign a tripartite contract.

Third, Changsha provident fund loan details?

65438+1On October 25th, Changsha Housing Provident Fund Management Center announced the individual loan ratio of Changsha in 2020, clearly indicating the "individual loan ratio" of Changsha housing provident fund at the end of 2020.

The new policy will be implemented from February 1. If the loan information has entered the window before implementation, it shall be implemented according to the original policy.

According to the latest policy, the balance of the husband and wife's housing provident fund account is 40,000 yuan, and if other conditions are met, the maximum loan can be 600,000 yuan.

/kloc-in 0/5, Xiaotang returned to Changsha from Shenzhen for development. Through his efforts in recent years, he not only saved enough down payment for buying a house, but also qualified to buy a house in Changsha. He has been looking at the house all this time, and he is also very happy to hear that the new provident fund policy has been introduced.

"I calculated an account myself. For a house I like, using provident fund loans will save 200,000 yuan compared with commercial loans, which is still a big sum for me." Xiaotang said that he had thought about commercial loans before, but considering that provident fund loans have many advantages in loan interest rate and loan ratio, and the balance of provident fund accounts has exceeded 40,000 yuan in recent years, which meets the conditions of 600,000 top loans.

It is understood that the personal loan ratio of Changsha Housing Provident Fund at the end of 20 19 is 94.66%, and the employee loan amount is calculated according to the sum of the balance of the housing provident fund account deposited by both husband and wife in Changsha Housing Provident Fund Management Center; By the end of 2020, the "individual loan rate" of Changsha housing provident fund was 83.9%, with the range of 80%-85%. The employee loan amount is calculated according to the sum of the balance of the housing provident fund account deposited by the borrower and the husband and wife in Changsha Housing Provident Fund Management Center.

4. Can Changsha's provident fund be used for housing loans?

No, an ordinary house will do.

Provident fund loan conditions:

1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full;

2, continuous normal deposit of housing provident fund for more than twelve months;

3, in the administrative area of the purchase and construction of self-occupied housing, and has paid more than the prescribed down payment ratio of the purchase price;

4. Good personal credit, stable economic income and the ability to repay the loan principal and interest;

5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.

Provident fund loan processing flow:

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

(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;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.