1. What is the latest housing provident fund loan policy?
loan conditions of the first borrower
1. The borrower must continuously deposit the housing provident fund for more than 6 months (including 6 months) before applying for provident fund loans.
2. The borrower brings the title certificate, the original invoice and the original commercial housing sales contract (second-hand house with mutual agreement) to the housing provident fund for review. After examination and approval, the loan application form is obtained, and the personal information and loan-related information are filled out in duplicate with pen (black) and carbon pen according to the contents on the form. If it is not scratched or corrected, it will be invalid.
Second, how to borrow money from the housing public fund
You can't use provident fund loans to build your own house. You can use other objects to mortgage the loan
Third, how can the housing public fund borrow money to buy a house? Housing provident fund loan buying process?
(1) The borrower needs to live in the city to apply for housing provident fund loans, fill in the application form for housing provident fund loans and provide relevant information truthfully.
(2) The municipal housing provident fund management center is responsible for the examination of the borrower's qualification, the payment period and the filling of relevant contracts or agreements, and handling insurance according to the regulations of the People's Bank of China.
(3) After the loan formalities are completed, the municipal housing provident fund management center issues a loan approval notice to the bank and then goes through the loan transfer formalities
IV. How to borrow the provident fund
Calculate how much it will cost to decorate your home. Some people have struggled all their lives and just want to buy a house, but now the house price is getting higher and higher, even if we work hard all our lives, we may not be able to afford a house. But now with the rise of loans, it is not so difficult for people to buy a house. In particular, provident fund loans are much more cost-effective than ordinary commercial loans, with the same loan amount, but much less interest and loan life, and the interest of provident fund loans is much lower than that of commercial loans, so many people prefer provident fund loans when lending. So how to borrow the provident fund? What conditions do provident fund loans need to meet? Next, let's take a look. How about the provident fund loan? 1. When making a loan, the lender needs to prepare all the personal loan application materials needed for the loan, such as personal and spouse's ID card, household registration book, marriage certificate, proof of down payment for house purchase, house purchase contract, proof of deposit of provident fund, etc. After these materials are ready, you can apply for a provident fund loan at the provident fund management center. 2. After receiving the loan application, the housing provident fund management center will make a preliminary review of the application materials submitted by the applicant, and make a judgment on the loan qualification, loan amount and loan period of the lender. If all aspects meet the loan conditions, then the provident fund center will issue a Notice for Review of Guarantee Application, print the loan contract and mortgage (counter-guarantee) contract, and then submit all the application materials of the applicant to the guarantee center. 3. The guarantee center will review the applicant. If the applicant meets the guarantee conditions, then the guarantee center will issue a Letter of Approval for Guarantee Application. 4. The applicant shall pay the guarantee service fee after being approved by the guarantee center. If the applicant entrusts a third party to handle the provident fund loan business, the third party will act as the agent for the guarantee and pay the guarantee service fee. The guarantee center will issue an invoice for the guarantee service fee after the applicant pays the fee, and affix the official seal to the approved loan contract, mortgage (counter-guarantee) contract and other documents, and the approved personal loan information will be re-sent to the housing provident fund management center. 5. The lender can sign the contract after the loan applicant pays the relevant fees with the document stamped by the guarantee center. After receiving the relevant information of the provident fund loan, the provident fund center will complete the data verification and fund allocation within 5 working days. 6. After receiving the funds allocated by the Housing Provident Fund Center, the undertaking bank will transfer the funds into the account designated by the lender within 1-2 working days. Basically, the provident fund loan is such a process. The provident fund loan is a kind of housing guarantee for us by the state, and it is shared by the state, the collective and the individual to solve the housing difficulties of residents. So how much can the provident fund loan be borrowed? 1. According to the repayment ability, the loan amount of the provident fund is calculated according to the repayment ability. The calculation formula is loan amount = [(the monthly contribution of the applicant's monthly salary unit provident fund) × repayment ability coefficient-current monthly repayment amount ]× loan period (month). Among them, the repayment ability coefficient is 4%. 2. If the house purchased according to the house price is less than 9 square meters, the down payment shall be no less than 2% of the house price, and the loan amount shall be no more than 8% of the house price. If the house area purchased exceeds 9 square meters, the down payment shall be no less than 3% of the house price, and the loan amount shall not be higher than 7% of the house price. 3. According to the account balance, the balance of the applicant's provident fund account also has a certain impact on the amount of provident fund loans. When applying for provident fund loans, the loan amount we can borrow cannot be 1 times higher than the account balance when employees apply for provident fund loans. If the spouse's housing provident fund applies for a loan, the account balance is the sum of the applicant's and spouse's housing provident fund account balance. 4. According to the maximum limit, if an individual applies for a provident fund loan, the maximum loan amount is 4, yuan, and if the spouse's provident fund is used at the same time, the maximum loan amount is 6, yuan. If an individual pays back the provident fund, the maximum loan amount will be adjusted to 5, yuan, and if a family pays back the provident fund, the maximum loan amount will be 7, yuan. In fact, the amount of loans can be based on the loan amount approved by the housing provident fund center, but under normal circumstances, the loan amount will not exceed 8% of the total house price. Generally speaking, provident fund loans are more suitable for us than commercial loans. When we apply for provident fund loans, we must first do our homework and prepare all kinds of materials needed for loans, so that we will not do useless work when we handle them in detail. The above is my answer to how to borrow from the provident fund, hoping to help you. 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