The time should be decided according to the actual situation. Generally, the loan time of Shanghai provident fund is about 15 working days, but the specific loan time is uncertain. It should be decided according to the adequacy of the quota of the local provident fund center, the progress of the relevant procedures and the completeness of the applicant's materials. Don't worry.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
On August 17 and 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that the down payment for purchasing a second home with provident fund loans will be cancelled by 20% from September 15 and 1 day.
Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
What is the loan period of Shanghai provident fund? The specific regulations are quite complicated!
In China, housing accumulation fund has become an important tool for many families to buy houses. In the magic capital of Shanghai, many people pay special attention to the loan period of provident fund to plan their own loan plans. Today, I would like to introduce the loan life of Shanghai Provident Fund for your reference.
Judging from the regulations published by Shanghai Provident Fund Management Center, the term of new house loan is relatively fixed, while the term of second-hand house loan is more complicated. Details are as follows:
1. The maximum term of provident fund loan for purchasing new houses shall not exceed 30 years.
2, the purchase of second-hand housing is divided into three situations:
(1) If the age of the second-hand house is less than 5 years, the longest loan period of the provident fund shall not exceed 30 years;
(2) The age of the second-hand house is between 6- 19, and the loan period of the provident fund does not exceed the difference between 35 years and the age of the house;
(3) The age of the second-hand house is equal to or more than 20 years, and the longest provident fund loan shall not exceed 15 years.
In addition, it should be noted that regardless of the purchase of new commercial housing or second-hand housing, the term of provident fund loans cannot exceed 5 years after the borrower's statutory retirement age.
The above is the stipulation of Shanghai Provident Fund Management Center on the loan term. You can simply estimate how many years you can apply for a loan according to your actual situation.
How long can I get a loan to buy a house after paying the Shanghai provident fund?
You can borrow money to buy a house for more than 6- 12 months, and the specific month is subject to the regulations of your city. If the unit needs to pay the housing provident fund in full for 6 months, it can use the housing provident fund loan to buy a house; Individuals who need to pay the housing provident fund in full 1 year can use the housing provident fund loan to buy a house. Normal deposit refers to continuous monthly deposit, prepayment and supplementary payment of housing provident fund. It should be noted that the time to pay the housing provident fund cannot exceed three months. When a user applies for a provident fund loan, the balance of the provident fund account is not deducted, and the funds issued by the loan are the unused provident fund in the housing provident fund account. However, users can apply for provident fund hedging business and repay provident fund loans with the balance of provident fund accounts.
How long does it take for provident fund loans to be released?
Generally 1 month or so. Provident fund loan processing flow:
I. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans, and truthfully provide the following information:
(a) the applicant and spouse housing provident fund deposit certificate;
(two) the identity certificate of the applicant and his spouse (referring to the valid residence certificate such as resident identity card and permanent residence booklet) 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.
Two, for the loan application with complete information, the bank accepts the examination in time and submits it to the provident fund center in time.
Three, the provident fund center is responsible for loan approval, and timely notify the bank of the approval results.
4. The bank informs the applicant to go through the loan procedures according to the examination and approval results of the provident fund center. The borrower and the husband and wife sign the loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for examination and approval. After the approval of the provident fund center, the entrusted loan funds will be allocated, and the entrusted bank will pay them in full and on time in accordance with the provisions of the loan contract.
5. If mortgage is used as a guarantee, 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.
Extended data:
Matters needing attention in buying a house with provident fund loan:
1. Provident Fund Loan Couple Loan: If both husband and wife apply for provident fund loans before or after marriage, as long as one of them has applied for provident fund loans, there will be corresponding records in the core system. Before the last loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second house.
2. Provident Fund Loan Second Suite: If the borrower uses the provident fund loan to buy a house, such as 1 suite, it will be used. Before the provident fund loan is paid off, it is not allowed to apply for a provident fund loan again to buy a second house. Only when the previous housing loan is paid off can the provident fund loan be used again. It will not be regarded as the second house, but it will still be regarded as the first house operating according to its policies.
Don't use the provident fund before applying for a loan. If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.
4. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.
Don't forget to find the bank around you if you have difficulty in repaying the loan. Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.
6. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.
7. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral to the real estate transaction core of the district and county where the real estate is located.
8. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.