What is the signing procedure of individual housing provident fund loan guarantee agreement? According to the requirements of the center, the development enterprise prepares relevant materials and submits them to the personal loan office of the center. Open a deposit account at the same time. After the agreement is signed, individual provident fund loans will be accepted in the management departments of the center. Development enterprises can log on to the website of the center to inquire about the "Guide to Signing Margin Agreement" or obtain the "Guide to Signing Margin Agreement" from the central management department. What is the amount of Shenyang provident fund loan? There are several aspects for the expected crowd of off-site provident fund loans. First, migrant workers work in Shenyang; Second, migrant workers buy houses for their children who go to school and work in Shenyang; Third, one of the husband and wife is in Shenyang and the two places are separated; Fourth, foreign workers come to invest in Shenyang; The fifth is people living at the junction of two cities and so on. For off-site provident fund loans, the maximum loan amount for both husband and wife to normally deposit provident fund is 250,000 yuan, and the maximum loan amount for unilateral normal deposit of provident fund is 6.5438+0.5 million yuan. If more loans are needed, on the basis of not exceeding the loan ratio, you can also choose a combination loan of housing provident fund and commercial banks to provide matching funds to ensure the demand for loan funds. What are the requirements for housing provident fund loans in different places? When a lender purchases a commercial house, it must provide the following elements when handling the loan: the certificate of housing provident fund deposit issued by the management center where the housing provident fund is deposited; The original and photocopy of the identity cards of both husband and wife; Original household registration book; Original and photocopy of marriage certificate; Original commercial housing purchase contract; Copy of commercial housing sales license; A copy of the new building number and quantity approval form, the full purchase invoice and the original notice of residence permit; Original maintenance fund receipt, original deed tax receipt. When the lender purchases a second-hand house, it must provide the following elements when handling the loan: the certificate of housing provident fund deposit issued by the management center where the housing provident fund is deposited; The original and photocopy of the identity cards of both husband and wife; Original and photocopy of the household registration book; Original and photocopy of marriage certificate; Original house sales contract, original house appraisal report, original and photocopy of property right certificate and original deed tax certificate; Original and photocopy of transaction fee receipt and deed tax receipt; The original and photocopy of the land certificate shall be provided for the houses in the five districts outside the city. If no land certificate is issued, you can also apply for a receipt with the land certificate. What problems should be paid attention to in housing provident fund loans in different places? Before applying for a loan, the borrower or the borrower's unit has paid the housing provident fund for the employees for 2 years as required; The down payment for the purchase of commercial housing is not less than 30%, and the down payment for the purchase of second-hand housing is not less than 40%; If the borrower applies for housing provident fund loan to buy a house again after the previous loan is paid off, and the housing provident fund is withdrawn within one year before the loan application date (including entrusted withdrawal for repayment), the down payment of the house purchase will increase by 10%. If the borrower and the * * * people have bad credit records before applying for housing provident fund loans (including the credit information system of the People's Bank of China), the down payment for loan purchase will be increased by10%; If it is overdue for more than 90 days, the lender will no longer accept housing provident fund loans; Have a stable economic income and the ability to repay loans; Agree to provide repayment guarantee methods approved by the management center; The borrower (including the spouse with spouse) has no outstanding loans or other large debts. In addition, the purchased commercial house must be a real estate that has signed an individual housing provident fund loan guarantee agreement with the housing provident fund center, and the agreement number can be in Shenyang housing provident fund.