In Hefei, how to use provident fund loans to buy a house?

Hello, if you need to handle our loan business, the following is the provident fund loan information in Shenzhen for your reference:

The applicant and the respondent shall

The employee himself is the applicant for provident fund loan, and the spouse is the same applicant; Parents who deposit housing provident fund in this city can also apply.

In addition to spouses, parents and children, employees have other rights to apply for provident fund loans for purchased houses.

The purchase of affordable housing and commercial housing (residential) workers to apply for provident fund loans should be the same

1. If the applicant and * * * participate in the calculation of the loanable amount of provident fund loans and the applicant pays in full and on time before the month of application, it will be counted as this 6 months), and it is in the normal payment state at the time of application; (If * * * participates in the quota calculation together with the applicant, the above conditions must also be met, and it can only be regarded as * * * and the applicant, but does not participate in the quota calculation).

2. The applicant and * * * the same applicant have no provident fund loan in this city or the applicant's parents are the same applicant, and both parents should have no provident fund loan in this city or have paid off the provident fund loan;

3. The applicant and the * * payment involved in calculating the loanable amount of provident fund loans are in good condition;

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5. The applicant has provided information consistent with this.

6. The loan application meets the requirements of national, provincial and municipal real estate market management policies;

7. Meet other conditions stipulated by the provident fund management committee.

Loan currency and loanable amount: the loanable amount of the provident fund loan is 12 times of the balance of the applicant and the applicant's housing provident fund account, and meets the following requirements:

1. Monthly repayment amount (the deposit base of the applicant's housing provident fund in this city is the sum of the deposit bases of the applicant and * * * and the applicant (parents can be the same applicant as * * *)).

2. Not higher than the difference between the total purchase price and the down payment. If the purchased housing is commodity housing (second-hand housing), the applicant shall entrust a real estate appraisal agency recognized by the provident fund center to conduct value appraisal, and take the purchase contract price and appraisal price. The assessment fee shall be borne by the applicant.

If the area of the first suite purchased by employees is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20% of the total purchase price; 30% of the first housing area of 90 square meters or more, and 60% of the purchase price. You can't apply for a provident fund loan to buy a third house. (The loans of portfolio lenders are handled according to the policies of commercial banks)

3. If the application is not higher than that of a single house, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of the application is 900,000 yuan (if the applicant's spouse has not paid the provident fund or can only be regarded as the applicant for less than six months, the maximum amount of the loan is

4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan may be increased by 10%, but other conditions specified in the preceding paragraph shall be met (subject to the approval of the Center).

Loan term:

The term of the provident fund loan is in years, and the longest loan period is no more than 360 (30 years), and the loan period is the same as that of employees (more than 70 years after application). For example, it is the sum of the loan period of enterprises to the public and the loan period of enterprises to the public.

Applicants and applicants can apply for provident fund loans by appointment, or they can go directly to the provident fund center and provide the following basic materials:

(a) housing provident fund joint card;

(2) valid identity documents;

(3) proof of marital status (provide marriage certificate)

(4) A copy of the house purchase contract, down payment certificate, real estate license and ID card of the seller.

(5) Original and photocopy of the debit account (bank debit card or passbook) of the entrusted bank.

(six) other materials required by the provident fund center;

(7) The borrower's family housing certificate issued by the property right registration center;

(eight) non registered families in this city to provide proof of payment in this city 1 year.

If the parents of the loan applicant are the same as those of the provident fund loan applicant, the household registration book or the certificate of immediate family members issued by the public security department or notary office shall be provided.

The application form for provident fund loans and other materials shall be jointly signed by the applicant and * * * in the service hall of the management department of the provident fund center, and shall not be signed by others.

If you have any other questions, please visit "Online Customer Service" (website: /cmu/icslogin.aspx? From=B To build or repair a house, you must apply for a housing provident fund loan at the provident fund management center with the approval document, ID card, housing provident fund savings magnetic card and seal from the government land planning management department. The use of both husband and wife housing provident fund loans, but also to bring a marriage certificate or other proof of husband and wife relationship, fill in the application form for personal housing provident fund loans. The loan bank shall, according to the borrower's application, evaluate whether the borrower meets the loan conditions, calculate the loan amount and determine the loan term.

2. Sign a loan contract. After the local provident fund management center (or the entrusted bank) approves the borrower's application, the borrower signs a loan contract and a mortgage contract with the provident fund management center (the mortgage contract is signed with a real estate mortgage, and the personal guarantee needs to enjoy the personal guarantee of the provident fund).

3. If you apply for mortgage, you should apply for notarization of mortgage. At that time, you need to bring the real estate license (and land certificate), ID card, marriage certificate, household registration book and its copy in quintuplicate, and go through the relevant formalities of notarization and other house ownership certificates.

4. After completing the mortgage formalities, the borrower shall submit the loan information together with the loan contract, mortgage contract (pledge contract), house ownership certificate or mortgage certificate to the provident fund management center. At that time, the Provident Fund Management Center will entrust the Housing Information Department of China Construction Bank to transfer the money to your personal account on time.

3. Hefei provident fund loan? How to get a loan? What are the conditions?

Yes, as long as it meets the conditions of provident fund loans.

What conditions do individual housing provident fund loans need to meet? The main contents are as follows: 1. The borrower has full capacity for civil conduct; 2. Have the official residence or valid residence status in this city; 3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan; 4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year; 5, can provide a valid contract or agreement for the purchase of owner-occupied housing; 6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house; 7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds; 8. The borrower agrees to handle housing mortgage loan and insurance; 9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials; 10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month. Provident fund loan process: 1. The borrower applies for a loan at the acceptance outlet; 2. Accept the outlets to inquire about the property status under the family name; 3. Accept the acceptance of outlets; 3. sign a contract; 4. examination and approval; 5. The real estate trading center shall handle the mortgage registration procedures; 6. Bank loans.

Four, Hefei provident fund loans

Legal subjectivity: Hefei provident fund loan can be obtained by the lender from the center or downloaded from the website, such as the Application Form for Housing Provident Fund Guaranteed Loan, Loan Instructions, Income Certificate and other related forms, and the lender can go through the loan procedures at the loan business window of the provident fund center with corresponding materials. On how to borrow a loan from Hefu Provident Fund, the following is a detailed answer from Bianxiao. com. 1. How to Loan Hefei Provident Fund Loan Applicants can apply online through Anhui government service to inquire about the information of the purchased property and the loan amount (no need to upload electronic files when applying), and then bring their ID cards and other materials to the central loan business acceptance point to apply: 1. Lenders can collect from the center or download the application form, loan instructions, income proof and other related forms from the website. 2. Go through the loan formalities at the loan business window of the provident fund center with corresponding materials, complete the entry and signing of the loan contract, and handle the application for other rights of real estate and mortgage guarantee procedures. 3. After the loan is accepted, the auditor of the management center completes the preliminary examination of the loan. 4. After entrusting the loan bank to investigate the customer's credit standing and make rounds, etc. , notify the relevant units to handle (pre-) mortgage registration at the real estate registration agency. 5. After the pre-mortgage (or other warrants) is completed, the management center (subject to the confirmation of the management center) completes the loan approval, the undertaking bank transfers money to the center, issues loans and notifies the borrower. Second, the loan conditions of Hefei housing provident fund 1. The borrower has a legal and valid resident ID card and household registration book. 2. The borrower is a natural person with stable economic income, the ability to repay the principal and interest of the loan on schedule, good personal credit and full capacity for civil conduct. 3. The borrower pays the housing provident fund in full and on time, and has paid the housing provident fund continuously for more than six months. 4. With the legal purchase contract (agreement) and other materials, self-raised funds will be used to pay the down payment for house purchase, reaching the specified proportion. 5. The borrower agrees to use the purchased house as collateral and provide a guarantee approved by the Center. Three. Legal Basis of Hefei Provident Fund Loan Article 12 The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a 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. Twenty-seventh applicants to apply for housing provident fund loans, should provide the burden. The above is the answer to how to borrow Hefei provident fund loans. The interest rate of Hefei provident fund loan equal principal and interest method and average capital method is the same. The average capital method pays more in the early stage, so the total interest is less than the equal principal and interest. You can choose according to your current economic situation and repayment ability. If you have any questions or legal problems, please visit the website for consultation.

Legal objectivity: In case of any of the following circumstances, employees in the Regulations on the Management of Housing Provident Fund can withdraw the storage balance in the housing provident fund account: 1, purchase, build, renovate or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, has been sentenced, sentenced or reached the statutory retirement age of the country at the expiration of his term of office; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.