Chengdu provident fund loan policy

Legal analysis: 1. Loan amount and years: 1. Increase the calculation coefficient of the amount. The calculation coefficient of loan amount is increased from 3% of the deposit base of housing provident fund to 5%. 2. Comprehensive calculation of loan withdrawal. Employees who purchase owner-occupied housing to apply for loans and withdraw housing provident fund shall not exceed the total purchase price. Housing provident fund withdrawal should be handled in one lump sum before applying for a loan. 3. Extend the loan period. The loan period is extended to 5 years after the legal retirement age of the borrower. 2. Loans from different places in the province: If employees and their spouses work or have their registered residence in Dongying, and normally deposit housing provident fund in other cities in the province to buy self-occupied housing in Dongying, they can apply for loans in our city by providing relevant certification materials issued by the housing provident fund center where they paid. If the housing provident fund is normally deposited in the housing provident fund management center of our city and works in other cities in the province, you can apply for a loan in our city when you buy self-occupied housing at your workplace. The loan guarantee in different places in the province is implemented according to the loan policy in different places.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the balance of their housing provident fund accounts under any of the following circumstances:

(1) purchasing, constructing, renovating or overhauling their own houses;

(2) retired;

(3) completely losing the ability to work and terminating the labor relationship with the unit;

(4) leaving the country to settle down;

(5) repaying the principal and interest of the house purchase loan;

(6) the rent exceeds the prescribed proportion of family wage income.

in accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

if an employee dies or is declared dead, the employee's heirs and legatee can withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.

policy of buying a third suite in Chengdu

1. What is the policy of buying a third suite in Chengdu hukou?

Chengdu's third-home loan policy is: those who are registered in Chengdu can buy two suites (family as a unit) in the main city, and those who are not registered in Chengdu can only buy one suite in the main city. If they are registered in Chengdu, they can buy the third suite in Chengdu (non-main city).

Second, the loan provisions related to the policy of buying three suites in Chengdu

In line with the Notice of the General Office of Chengdu Municipal People's Government on Perfecting the Housing Purchase Restriction Policy in Chengdu (issued) The relevant regulatory measures in the document were reviewed at the second working meeting of the core members of the market interest rate pricing self-discipline mechanism in Sichuan Province in 217, and it was decided to adjust the minimum down payment ratio of commercial personal housing loans in Sichuan Province as follows:

1. Residents who purchase ordinary self-occupied housing for the first time, Among them, 12 housing restricted areas such as Chengdu High-tech Zone (West Park and South Park), Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District, Pidu District and Chengdu Zhiguan District of Tianfu New District are still implemented according to the original policy, with the minimum down payment ratio not less than 3% and the non-restricted areas in the province not less than 25%.

2. Residents who own a house and have not settled the corresponding purchase restriction loan:

Among them, there are 11 housing purchase restriction areas such as the Western Park of Chengdu High-tech Zone, Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District and Pidu District, with the minimum down payment ratio not less than 6% and the loan period not exceeding 2 years.

The minimum down payment ratio of Chengdu directly under the jurisdiction of High-tech South Zone and Tianfu New Zone shall not be less than 7%, and the longest loan period shall not exceed 25 years;

the minimum down payment ratio in other non-restricted areas in the province is not less than 4%.

3. Households with two or more houses, including 12 housing restricted areas such as Chengdu High-tech Zone (western park and southern park), Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District, Pidu District and Chengdu Zhiguan District of Tianfu New District, have two or more houses (. In other non-restricted areas of the province, households that have two or more sets and the corresponding housing loans have not been settled are suspended from issuing commercial personal housing loans.

4. This notice shall be implemented as of April 13, 217. Before the date of issuance of this notice, if the borrower has completed online ordering and signing for the purchase of housing through the housing transaction system, or the banking institution has accepted the application for personal housing loan, its commercial personal housing loan business shall be implemented in accordance with the original policy.

5. Matters not specified in this notice shall continue to be implemented in accordance with the relevant provisions of the differentiated housing credit policy before this notice.

Those who have bought two suites in the main urban area of Chengdu are not allowed to buy the third suite, but they can buy it in the non-main urban area of Chengdu. According to the implementation of the property purchase restriction order, the policy of buying three suites in Chengdu hukou needs to know the relevant loan regulations. At present, many banks have suspended the commercial loans for three suites. If they want to buy three suites, they need to know the local policies.

The latest policy of Chengdu provident fund loan

Legal analysis: 1. 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. 2. Those who participate in the housing provident fund system must also meet the following conditions if they want to apply for housing provident fund personal purchase loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it shows that his income is unstable and he is prone to risks after issuing loans. 3. One spouse has applied for a housing provident fund loan, and neither spouse can get a housing provident fund loan until he has paid off the principal and interest of the loan. Because, the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of employees' families. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other debts that have not been paid off and may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 3 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.

legal basis: article 26 of the regulations on the management of housing provident fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

the housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on granting or not granting the loan, and notify the applicant; If the loan is granted, the entrusted bank shall go through the loan formalities.

the risk of housing provident fund loans shall be borne by the housing provident fund management center.

This article is enough for the collection of the most comprehensive Chengdu provident fund loan strategy in p>217.

If you handle the Chengdu provident fund loan, do you have all kinds of troubles? I have compiled the Chengdu provident fund loan strategy for you, including the conditions, processes, materials, interest rates, quotas and policies of the Chengdu provident fund loan. Come and collect it!

Chengdu provident fund loan conditions

Like other loans, applying for Chengdu provident fund loan needs to meet certain loan conditions. Besides the qualifications of the lender, the time for paying the provident fund is also stipulated.

Chengdu provident fund loan process

Chengdu provident fund loan process can be simply described as: submitting materials → loan preliminary examination → central approval → signing contracts → issuing loans. The more detailed process will change according to whether you buy a first-hand house or a second-hand house.

Chengdu provident fund loan materials

Just now, in the process of introducing the process, the submission materials were mentioned, so what are these materials? It mainly includes the original ID card, household registration book, marriage certificate, purchase contract, housing registration form, entrusted repayment account, income certificate, deposit certificate, etc. The number of copies required for each material is also required.

Chengdu provident fund loan interest rate

First suite: interest rate benchmark for loans for 5 years and below), interest rate benchmark for loans for more than 5 years), with a maximum amount of 7, yuan and a down payment of 2%.

second suite: interest rate times for loans for five years or less), interest rate times for loans for more than five years), with a maximum amount of 7,, with 2% of down payment settled and 4% outstanding.

Chengdu provident fund loan amount

The calculation of the provident fund loan amount has always been a difficult problem for every mathematical blind person, and it will be decided according to factors such as the deposit balance, time and the age of the applicant. There are formulas to set, but this algorithm is not recommended.

Chengdu provident fund loan policy

In p>217, the Chengdu provident fund policy has made certain adjustments in terms of loan amount, loan term, deposit ratio and base, which can appropriately reduce the pressure on buyers.

the difference between provident fund loans and commercial loans in Chengdu

I don't know how to choose provident fund loans and commercial loans. Teach you to distinguish from ten aspects: applicable population, loan interest rate, loan proportion, approval time, loan process, loan source, interest use, approval institution, years and quota, and second suite.

That's all for the introduction of Chengdu Provident Fund loan strategy. I wonder if it has solved your problem? There are more questions, professional credit managers will answer your questions, and more strategies and consultation for Chengdu provident fund are waiting for you.

What are the provident fund loan policies in Chengdu?

In recent years, the real estate industry is constantly rising, and it is not easy for many young people to buy a house. In order to buy a house, they have to borrow money from their parents' bank. Let's take a look at the Chengdu provident fund loan policy with Xiaobian.

Chengdu provident fund loan policy

1. Loan term: From June 6th, the loan term was changed from 2 years to 3 years.

2. Loan amount. From June 6, if the maximum amount of husband and wife provident fund loans is changed from 6, to 7,, the amount of personal provident fund loans will still be 4,.

3. The loan has been multiplied. The original balance of the provident fund account was 2 times, but now it is 3 times.

business process of provident fund withdrawal

1. The withdrawal of provident fund does not require the certificate of the company.

2. owing on the loan, there is no need to provide a purchase contract for the same house.

3. The items of business audit materials have been readjusted.

4. Withdrawing the provident fund after leaving the company is proof that it is no longer necessary to terminate the labor relationship.

5. For employees with sealed accounts, it is necessary to adjust the account cancellation information.

6, the extraction of major diseases, no longer need proof of serious difficulties in life.

Compatriots from Hong Kong, Macao and Taiwan enjoy housing provident fund treatment in Chengdu

Compatriots from Hong Kong, Macao and Taiwan who pay housing provident fund can withdraw individual housing provident fund and apply for individual housing loans from housing provident fund, just like employees who pay in the Mainland. Chengdu does not refuse the provident fund loan to buy a house. The biggest use of the provident fund is to apply for a loan when buying a house.

what are the loan conditions for housing provident fund?

1. The borrower must have an urban hukou; I want to pay the housing accumulation fund in this city on time for more than one year.

2. Have a stable professional income, good credit and the ability to repay loans.

article summary: Chengdu provident fund loan policy. Term of the loan: From June 6th, the term of the loan was changed from 2 years to 3 years. Loan amount. From June 6, if the maximum amount of husband and wife provident fund loans is changed from 6, to 7,, the amount of personal provident fund loans will still be 4,. The loan was multiplied. The original balance of the provident fund account was 2 times, but now it is 3 times.

what is the down payment ratio of the second apartment in Chengdu in p>217? How to get a loan for the third suite

The down payment ratio for the second suite loan shall not be less than 5%, and the housing loan for the third suite shall be suspended.

On April 17, 21, the State Council issued the Notice on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities, and put forward ten measures, which were called "Ten Articles of New China" by the industry, and the "Ten Articles of New China" required:

1. The down payment ratio of family loans for purchasing the first self-occupied house with a floor area of over 9 square meters shall not be less than 3%.

2. When buying a second house with a loan, the down payment ratio of the loan shall not be less than 5%, and the loan interest rate shall not be less than 1.1 times the benchmark interest rate.

3. In areas where the price of commercial housing is too high, rising too fast and the supply is tight, commercial banks can suspend the issuance of loans for the purchase of the third or above housing according to the risk situation.

4. Non-local residents who cannot provide local tax payment certificates or social insurance payment certificates for more than one year will be suspended from issuing housing purchase loans. The local people's government may, according to the actual situation, take temporary measures to limit the number of housing units within a certain period of time.

5. The Ministry of Finance and the State Administration of Taxation should speed up the research and formulation of tax policies to guide individuals' reasonable housing consumption and adjust their real estate income.

6. The land for affordable housing, shantytown renovation and small and medium-sized ordinary commodity housing shall not be less than 7% of the total supply of housing construction land, and the supply shall be guaranteed first.

7. In areas where housing prices are too high and rising too fast, the supply of public rental housing, affordable housing and price-limited commodity housing should be greatly increased.

8. Pay close attention to the formulation of the indemnificatory housing construction plan in 21-212 (including all kinds of shantytown construction and policy housing construction), and announce it to the whole society before the end of July 21;

Extended information:

Criteria for the identification of the second suite:

1. If there is a house under the parents' name, buy a house in the name of a minor child. According to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as family. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.

2. If you have a property under your name when you are a minor, you can borrow money to buy a house when you are an adult. According to the current bank's "loan recognition and housing recognition", if the existing property is not sold, the re-loan purchase belongs to the second suite and will be implemented in accordance with the policy of the second suite. According to the past policy, as long as there is no loan for the minor property, it is not a second set to apply for a mortgage.

3. If you have a house purchased in full under your name, you can borrow money to buy a house. In the past, we only "recognized the loan", which was not considered as the second suite, but now we have added "recognized the house". Although there is no loan, as long as we can find the property under our name in the housing property rights transaction system, we will also be recognized as the second suite without selling it and applying for a loan.

4. The individual has a loan to buy a house, and then the loan is used to buy a house after the sale is settled. At present, the bank recognizes the second suite as "recognizing the house and recognizing the loan", that is to say, although the property bought by the loan is sold, there is no house under the family name, but because it has a loan record before, applying for a mortgage will also be counted as the second suite.

5. Use commercial loans for the first purchase and provident fund loans for the second purchase. At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, regardless of whether the mortgage is settled or not, even if the provident fund loan has never been used, the first application for provident fund loan will be counted as a second suite.

6. Before marriage, one party used a loan to buy a house, and after marriage, it applied for a loan to buy a house in the name of the other party, but their accounts were not together. Although both husband and wife get married,