Shenyang Housing Provident Fund Commercial Housing Loan Guide This guide is applicable to the loan application issued by Shenyang Housing Provident Fund Management Center (hereinafter referred to as the Center) for the purchase of commercial housing for employees who have paid the housing provident fund with the housing provident fund as the source of funds and entrusted by the bank. ★ Loan application conditions 1. Workers who work in Shenyang and pay housing provident fund in the center. 2. Before applying for a loan, the applicant or the applicant's unit has paid the housing provident fund for the employees for one year as required. 3. The down payment ratio of house purchase shall not be less than 20%. If the applicant or * * * and the applicant withdraw the housing accumulation fund (including entrusted repayment) within one year before the date of applying for the loan, the down payment ratio of the loan will be increased by 10% according to different houses on the basis of the existing policy. If the applicant and * * * the same applicant have bad credit records in loans overdue within 3 times (including 3 times) before applying for the housing provident fund loan, the down payment ratio of the loan will be increased 10% according to different houses on the basis of the existing policy. Loans overdue no longer accepts housing provident fund loans for more than three times. 4. The applicant has a stable economic income and the ability to repay the loan. 5. The applicant agrees to provide the loan guarantee method approved by the Center. 6. The applicant and the applicant (including spouse) have no outstanding loans or other debts. 7. The development enterprise of the shopping industry of the applicant has signed a guarantee agreement with the center. ★ Loan requirements 1, and three originals and photocopies of the applicant's and * * * applicant's ID cards (copied on both sides of A4 paper, the same below). 2. Original and photocopy of the household registration book 1 copy. 3. Original and photocopy of marriage certificate 1 copy (single person should provide the original 1 copy of marriage information certificate issued by the civil affairs department where the household registration is located, and the validity period is 1 month). 4, housing provident fund savings inquiry card. 5. 4 originals of the commercial housing sales contract (including 1 contract for filing). 6. Two copies of commercial housing sales (pre-sale) license. 7. The new building number approval form in duplicate. 8. Original 1 copy of the Record Form for Commercial Housing Sales Contract or original 1 copy of the Advance Notice Registration Form. 9. 1 Original and photocopy of down payment receipt and full invoice. 10, 1 original and photocopy of maintenance fund and deed tax receipt. The above materials are only needed for the center and guarantee. ★ The time limit for quasi-loan and the agreement on housing allow the borrower to apply after signing the house purchase contract and paying the down payment. The purchased houses are limited to the administrative divisions of this Municipality, and houses with the ownership certificate of state-owned land can be purchased (except bungalows). ★ Loan amount, proportion and term: the applicant pays the housing accumulation fund, with the maximum loan amount of 200,000 yuan. The applicant and * * * jointly pay the housing provident fund, with a maximum loan amount of 400,000 yuan, which does not exceed 80% of the transaction price of the commercial house. The shortest term of the loan is 1 year and the longest term is 30 years. Men should not be over 60 years old and women should not be over 55 years old. Employees who meet the following three conditions can be relaxed to 65 years old for men and 60 years old for women. (1) The man is 50 years old and the woman is 45 years old; (2) continuous deposit of provident fund for more than 3 years (including 3 years); (3) Apply for provident fund loan for the first time since deposit of provident fund. The formula for calculating the specific limit is: the salary base of the applicant and the monthly contribution of the same applicant's provident fund ×0.5× 12 months× loan period. ★ Procedures for loan 1 Application: The applicant and * * * together with the applicant fill in the Application Form for Provident Fund Loan in the personal loan acceptance window of the management department of each district in the center where the housing provident fund is deposited. 2. Preliminary review: the accepting personnel conduct preliminary review of the materials according to the loan policy, enter information in the form, and after approval, the system outputs the contract text, loan receipt and entrusted deduction agreement. 3. Signature: The applicant and the applicant sign the above words for confirmation after handling the bank repayment card (discount). 4. Handling the guarantee mortgage: the applicant and * * * together with the applicant go to the guarantee company window to handle the guarantee mortgage formalities. 5. Lending: After completing the guarantee and mortgage procedures within the agreed time limit, the management department checks the collection and loan materials, and entrusts the bank to transfer the loan to the account reserved when the development enterprise signs the guarantee agreement with the center. The borrower shall collect the corresponding receipt from the entrusting bank with the original ID card. 6. Repayment: The borrower shall deposit the loan principal and interest due in the current month into the bank card (discount) or repay the loan at the opening bank window within the period agreed in the entrusted deduction agreement every month until the loan is fully paid off. ★ Repay the loan 1. Repayment method: The borrower can choose two repayment methods: equal principal and interest method and average capital method. The formula is as follows: 2. Provident Fund Repayment: The borrower and his spouse can sign the Individual Housing Provident Fund Loan Repayment Agreement with the Center by entrusting the housing provident fund, and the Center will deduct the principal and interest of the provident fund loan from the regular balance of the borrower's and his spouse's provident fund account every month. When the term balance is less than the whole period, it will be deducted from the bank card. 3. Bank card withholding: After the borrower and the entrusted loan bank sign the Agreement on Entrusted Deduction of Housing Provident Fund Loans, the entrusted bank will deduct the loan principal and interest from the bank card every month, and the borrower shall deposit the current principal and interest into the card before the monthly lending date. 4. Overdue penalty interest: The Center and the entrusting bank will collect penalty interest for borrowers who fail to repay on time according to the regulations of the People's Bank of China. The center has the right to take legal action against borrowers who are overdue for three consecutive months and accumulated for six months, and the bad records are recorded in the personal credit information system. 5. Information service: The borrower can sign an application for personal short message service with the center, and the center will regularly send the borrower's mobile phone information such as the deposit and withdrawal of provident fund, the repayment of provident fund loans, and the overdue situation. 6. Repaying the loan in advance: If the borrower repays the provident fund loan in advance for more than one year, the loan principal will be reduced by no less than 5,000 yuan each time, and the center will recalculate the monthly repayment amount of the borrower. (Commercial banks are partially subject to the provisions of entrusted loan banks) 7. Repayment in advance: If the borrower repays the provident fund loan in advance for more than one year, the loan contract between the borrower and the center will be terminated after the loan principal and interest are paid off. If there is any change in the above contents, the latest policy shall prevail.