How do civil servants use provident fund loans to buy a house?

What is the method of buying a house with a civil servant provident fund loan? Is it the same as the ordinary provident fund loan process? Generally speaking, the process of provident fund loans is the same. The applicant and his unit have paid the housing provident fund in full and on time for more than one year, and there has been no suspension or default. The payment rate shall not be less than 5%. As long as the provident fund meets the loan conditions, you can use the provident fund loan to buy a house. Want to know more about the ways to buy a house with a civil servant provident fund loan, let's take a look with me.

What is the method of buying a house with a civil servant provident fund loan? Is it the same as the ordinary provident fund loan process? Generally speaking, the process of provident fund loans is the same. The applicant and his unit have paid the housing provident fund in full and on time for more than one year, and there is no phenomenon of suspension or default. The payment rate shall not be less than 5%. As long as the provident fund meets the loan conditions, they can use the provident fund loan to buy a house. Let's take a look at the method of buying a house with a civil servant provident fund loan.

1 Consultation of loan applicants. The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.

2. The loan applicant shall go to the loan handling department for preliminary examination and relevant evaluation.

First of all, the loan applicant holds the materials required for the housing provident fund loan application to the loan handling department for the preliminary examination of the provident fund loan. Then, if it is necessary to conduct personal credit evaluation on the loan applicant according to the regulations, the loan applicant shall sign a letter of credit evaluation under the supervision of the staff of the loan handling department, and the staff of the loan handling department shall print the relevant documents. Then, if the house purchased by the loan applicant needs to be evaluated according to the regulations, the staff of the loan handling department will also issue a notice of mortgage evaluation to the loan applicant, and the loan applicant or entrusted agent will apply for mortgage evaluation at the evaluation institution designated by the housing provident fund management department.

The loan applicant waits for telephone notification.

The staff of the loan handling department will review the loan materials provided by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant. Then check the guarantee.

4. The loan applicant signs relevant contracts.

According to the interview time notified by telephone, the loan applicant will go to the loan handling department to handle the interview formalities with the materials required for the housing provident fund loan interview. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and collect them. The loan applicant and * * * and the applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department.

5 bank loans

After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.

6. Monthly repayment

The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.

The method of buying a house with a civil servant provident fund loan is over. Let me talk about the proportion of the civil service provident fund.

The deposit ratio of unit housing provident fund and individual civil servant housing provident fund shall be implemented according to the standards published by the Housing Provident Fund Management Committee, and the deposit ratio of provident fund is about 5% ~12%;

The payment base of housing provident fund is the average monthly salary of civil servants in the previous year, and the new civil servants pay the housing provident fund from the second month when they join the work, and the payment base is the salary of civil servants in the current month; Civil servants newly transferred from the unit shall pay the housing provident fund from the date of payment of wages by the transferred unit, and the payment base shall be the employee's monthly salary.

The housing accumulation fund for civil servants is unified throughout the country, and the contribution ratio of the accumulation fund is generally between 8%- 15% of the salary. According to the regulations of the new civil servant, it should be because many places are not standardized and the standards are inconsistent, so the contribution ratio of the provident fund is different. However, the higher contribution ratio of units and civil servants' individual provident funds is 20% each, and the part that exceeds 12% is subject to tax.

Because the word provident fund loan only appeared a few years ago, ordinary people rarely paid housing provident fund in the past, while civil servants always paid housing provident fund. Now many developers discount provident fund loans. In fact, this is not a discount, and the interest rate of civil servants using provident fund loans is more advantageous. Some developers first give civil servants some news about the opening of real estate, so that ordinary civil servants can get the internal price and civil servants can get the preemptive right.

No matter now or in the past, we will yearn for civil servants, because there are many subsidies for the stable salary of civil servants. In fact, the method of buying a house with a civil servant provident fund loan is no different from that of ordinary people. Pay the same proportion of provident fund, there is no discount for buying a house, but I know more news than ordinary people.

The above is the knowledge of finishing.