In the early days of buying a house, many buyers chose to use provident fund loans to buy a house because of insufficient funds. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

First, Changchun second-home provident fund loan policy

According to the regulations of Changchun, the loan standard of the second-home provident fund loan policy has not changed. If you use the personal housing loan of housing provident fund to purchase a second house, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1. 1 times of the interest rate of the first personal housing loan of housing provident fund in the same period.

According to the relevant person in charge of the personal loan office of Changchun Housing Provident Fund Management Center, the policy of purchasing a second house with provident fund loans (the second housing provident fund loan policy) has not been adjusted due to the per capita living area standard and the current living conditions of the borrower's family. At the same time, Changchun City is still implementing the provisions to stop issuing personal housing provident fund loans to paid workers' families who buy third and above houses.

Workers' families should fill in the "Changchun Family Purchase Application Report" before buying a house, provide relevant supporting materials, and truthfully declare relevant information to real estate development enterprises, brokerage institutions and second-hand housing transaction registration windows. After examination or verification, the "Changchun Family Purchase Declaration Form" will be submitted together with the loan application materials as the basic basis for the center to determine the number of housing units actually owned by employees' families.

Housing provident fund loans in the number of housing units owned by employees' families, each sub-center shall comprehensively identify the number of housing units purchased by the families (including minor children) who actually use the housing provident fund personal housing loans according to the Changchun Family Purchase Declaration Form (specifically, the results of the inquiry through the housing provident fund information management system shall prevail). If the number of housing provident funds and individual housing loans used by employees' families is more than that declared, the former shall prevail.

Houses whose property rights are transferred after the use of housing provident fund to purchase individual housing loans are not included in the existing housing units. When applying for a loan, employees should provide effective certification materials to prove that the property rights of the house have been transferred.

Workers' families conceal the housing owned by the family. Once found, the center will decide to recover the loan in advance or implement the new loan interest rate according to the specific situation, and reserve the right to recourse the employee interest difference.

Second, Changchun second-home provident fund loan conditions

1. The borrower applying for individual housing provident fund loan shall meet the following conditions:

(1) shall be a natural person with full capacity for civil conduct;

(two) the normal deposit of housing provident fund meets the prescribed conditions;

(three) the purchase, construction, renovation and overhaul of urban self-occupied housing;

(4) having stable income, good credit and the ability to repay the principal and interest of the loan;

(five) there are not less than the prescribed proportion of self-raised funds for the purchase, construction or overhaul of self-occupied housing.

If the borrower applies for a personal housing provident fund loan, his spouse should be consistent with the borrower. The borrower's family may not apply for a housing provident fund loan again before paying off the loan.

2, the borrower to apply for personal housing provident fund loans, must provide a guarantee.

3. If the borrower uses the purchased owner-occupied house as loan collateral, it must use the full value of the house as loan collateral.

Three, Changchun second housing provident fund loan process

1. When applying for a loan, the borrower shall submit the loan materials:

2. The Center and the branches authorized by the Center shall, after receiving the loan application and other materials that meet the requirements, examine whether the borrower has the loan conditions, the amount and duration of the loan application.

3. If the loan is qualified, notify the loan bank to sign a loan contract with the borrower, sign a guarantee contract with the guarantor, and handle the mortgage, pledge, guarantee and other guarantees and related procedures. After the approval of the center, notify the lending bank to issue loans.

Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

Legal objectivity:

After the interest rate of commercial loans was raised, provident fund loans began to be favored by more buyers because of the low interest rate. At present, the down payment of provident fund loans has also increased, and the loan threshold has increased. What are the procedures for applying for provident fund loans now? Apply for a loan from the local housing provident fund management center first. The borrower holds a house purchase contract or agreement (copy of the buyer's house sales license; To build or repair a house, you must apply for a housing provident fund loan at the provident fund management centers of cities and counties with the approval document of the government land planning and management department, ID card, housing provident fund savings magnetic card and seal. The use of both husband and wife housing provident fund loans, but also to bring a marriage certificate or other proof of husband and wife relationship, fill in the application form for personal housing provident fund loans. The loan bank shall, according to the borrower's application, evaluate whether the borrower meets the loan conditions, calculate the loan amount and determine the loan term. Second, sign a loan contract. After the local provident fund management center (or the entrusted bank) approves the borrower's application, the borrower signs a loan contract and a mortgage contract with the provident fund management center (the mortgage contract is signed with real estate mortgage, and the personal guarantee needs to enjoy the provident fund). Third, if you apply for mortgage, you should apply for notarization of mortgage. At that time, you need to bring the real estate license (and land certificate), ID card, marriage certificate, household registration book and its copy in quintuplicate, and go through the relevant formalities of notarization and other house ownership certificates. Fourth, after the borrower goes through the mortgage formalities with the real estate mortgage, he will submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate or mortgage certificate to the provident fund management center. At that time, the Provident Fund Management Center will entrust the Housing Information Department of China Construction Bank to transfer the money to your personal account on time. Pay attention to: 1 when applying for second-hand housing provident fund loans. At the time of application, the borrower and the employer have paid the housing provident fund in full and on time for more than one year, and the borrower and spouse have not applied for the provident fund loan or the obtained provident fund loan has been returned; 2. The borrower must have permanent residence or valid residence status within the administrative area of this Municipality; 3. The borrower must have a house purchase contract or agreement, and the down payment meets the relevant requirements; 4. The borrower must have stable economic income, good credit and corresponding loan repayment ability; 5. The borrower shall have the assets recognized by the provident fund management center as mortgage or pledge.