How does Changsha apply for provident fund loans?

Changsha housing provident fund loan strategy

; ? Loan amount 1. The maximum loan amount is 5, yuan in Changsha city; 2. No more than 7% of the total price of the house purchased (8% for the first time purchase with an area of less than 9 square meters); 3. No more than 7% of the mortgaged property value; 4. The monthly repayment of principal and interest shall not exceed 5% of family income; 5. The purchase of finely decorated houses shall not exceed 5% of the total purchase price.

the expected annualized interest rate of the loan is 4.% within 5 years (including 5 years) and 4.5% for more than 5 years. If the current expected annualized interest rate is adjusted, the new expected annualized interest rate standard will be implemented.

the longest loan term is 3 years.

processing time: the processing time for housing provident fund loans is 3 working days (excluding the time for batch processing and mortgage filing). Since the management center receives the personal loan application report, the approval time for processing housing provident fund loans is 3 working days (excluding the time for batch processing and mortgage filing) when all loan materials are provided completely.

repayment method 1. The housing provident fund loan adopts the matching principal and interest repayment method or the average capital repayment method, and the borrower starts to repay the loan principal and interest on a monthly basis in the month after receiving the loan. 2. After normally repaying the loan for one month or one year, the borrower and his wife can choose to allocate the balance of housing provident fund to repay the loan on a monthly or annual basis, or they can withdraw the loan, but the repayment amount shall not exceed that of the previous year.

loan target-administrative institutions whose employees have normally paid the housing provident fund for more than 12 months, and employees of enterprises who have signed long-term labor contracts with employers for more than three years (including one year for three consecutive years) and have paid the housing provident fund for more than 12 months, and are continuing to pay the housing provident fund normally, can apply for housing provident fund loans when purchasing, constructing, renovating or overhauling ordinary self-occupied houses. -Self-employed industrial and commercial households, self-employed individual industrial and commercial households, self-employed individuals and depositors who have signed off-site loan cooperation agreements with Changsha Housing Provident Fund Management Center can apply for housing provident fund loans if they have paid the housing provident fund for 12 months or more.

loan conditions 1. The borrower has good credit, stable family income and the ability to repay the loan principal and interest. 2. Self-raised funds not less than 3% of the total purchase and building price (2% for first-time buyers with an area of less than 9 square meters) 3. Real estate recognized by the center is used as a guarantee for mortgage and guarantee companies.

loan information 1. the original (or valid marriage certificate) and photocopy of the borrower's husband and wife's household registration, identity card and marriage certificate (in duplicate). Unmarried provide proof of unmarried (within two months). 2. Purchase and building contract (in duplicate), original and photocopy of the down payment invoice for house purchase; The original and photocopy of the mortgage property right certificate, and the purchase contract must be registered by the real estate transaction department, and the signing time is not more than one year from the loan application date; The purchase of second-hand housing loans, must provide the transfer of housing property certificate and transaction deed tax; The construction of owner-occupied housing must provide the relevant administrative departments to approve the construction documents and land use documents (or land red line map). 3. The mortgaged property must be within the urban area, and the completion time is no more than 2 years from the loan time, and it does not belong to the house within the scope of demolition. Related introduction: Changsha provident fund loan to buy all kinds of materials needed for self-housing. Frequently asked questions on Changsha provident fund loan

It is said that "only when you have a house can you have a home". However, in the era when the wage level is far behind the rising price, it is generally necessary to take the road of loan if you want to buy a suite. A few days ago, with the introduction of the new policy of Changsha provident fund loans, more and more citizens turned their attention to housing provident fund loans. Then, what conditions can I apply for Changsha provident fund loan? How to handle it? What is the maximum loan amount? How long is the loan term? How to repay? I believe many people will have such questions. Next, Xiaobian will bring you answers to frequently asked questions about Changsha provident fund loans.

application conditions for Changsha provident fund loan

Changsha provident fund loan requires that applicants must be employees of administrative departments, enterprises and institutions, and they must have paid housing provident fund for more than six months (including six months) before the loan is processed. For employees who are willing to apply for housing provident fund loans in different places, they need to sign the Cooperation Agreement on Loans in Different Places with Changsha Housing Provident Fund Management Center before they can apply. The "normal deposit" here requires employees to pay continuously on a monthly basis.

Changsha provident fund loan processing flow

Step 1: Apply for consultation. The applicant applies to the loan handling department with the application materials of Changsha provident fund loan. The application materials include the borrower's valid resident identity card, a copy of the original household registration book, proof of marital status, legal and valid purchase contract, credit certificate of personal assets and valid proof that no less than 3% of the purchase price has been paid.

Step 2: The loan handling department conducts data review and credit evaluation on the borrower to ensure that the borrower has the ability to repay the Changsha provident fund loan.

step 3: the borrower signs the loan contract and other contract materials, and the application for Changsha provident fund loan is successful.

Step 4: Wait for the loan from the bank. At this time, the borrower needs to go to the loan bank to get the relevant contract documents for loan.

step 5: the borrower repays the Changsha provident fund loan on a monthly basis.

Maximum amount of Changsha provident fund loan

The loan amount of Changsha provident fund loan is determined by the time and amount of employee's housing provident fund deposit, but the maximum loan amount cannot exceed 5, yuan.

Changsha provident fund loan period

China's current regulations stipulate that housing provident fund loans should be paid off within 3 years.

how to repay the Changsha provident fund loan?

The repayment method of Changsha provident fund loan is flexible. Borrowers can choose to bring their own cash to the bank for repayment every month, or they can entrust the bank to withhold it. The borrower can choose to repay the minimum monthly amount until it is finally paid off, or he can choose to pay more loans at one time according to his own economic strength. At this time, the bank will recalculate and adjust the loan repayment period and the minimum monthly amount in the future.

The above is the common problem of Changsha provident fund loan. Xiaobian hopes to help you!

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1. The depositor shall apply to Changsha Housing Provident Fund Management Center for the withdrawal of housing provident fund with two copies of the application (approval) for individual withdrawal of housing provident fund from Changsha Housing Provident Fund Management Center, which are verified and sealed by the unit.

2. The approver checks the completeness and accuracy of the name, account number and other information in the Application Form, and the authenticity of the personal ID card. At the same time, the relevant information provided by the depositor shall be reviewed according to these measures. After being confirmed to be correct with the original, the copy shall be kept in the management center and the original shall be returned to the depositor.

3. If the withdrawal requirements are met, the approver shall fill in the withdrawal amount, sign it and affix the withdrawal approval seal on the Application Form.

4. The approver will input the depositor information and other extraction data that meet the extraction requirements into the housing provident fund business system. Do not meet the requirements of extraction, the approver shall return the extracted data to the depositor and inform the reason for the return.

5. The depositor shall go through the withdrawal formalities with the withdrawal voucher of the housing provident fund.

Extended information:

Article 29 of the Regulations on the Management of Housing Provident Fund in Changsha

Employees who have paid housing provident fund to purchase, build, renovate or overhaul their own houses within the administrative area of this Municipality shall meet the following conditions for the first time to apply for housing provident fund loans:

(1) Pay housing provident fund normally before applying for loans.

(2) The down payment for house purchase shall not be less than the proportion stipulated by the management committee;

(3) It has a good reputation and stable economic income and loan repayment ability;

(4) Having a legal and effective contract or relevant procedures for purchasing, building, rebuilding or overhauling owner-occupied housing;

(5) provide guarantee.

to apply for a housing provident fund loan again after paying off the first housing provident fund loan, in addition to meeting the conditions mentioned in the preceding paragraph, it shall also meet other conditions stipulated by the administrative Committee.

employees applying for housing provident fund loans shall not exceed the maximum loan ratio and maximum loan amount stipulated by the CMC.

Baidu Encyclopedia-Changsha Housing Provident Fund Management Regulations