Provident fund guarantee and loan guide

Provident fund guarantee and loan guide

Chapter I: Personal Provident Fund Loan Guarantee

Personal provident fund loan guarantee:

Our company has signed a contract with our company (No.:), and now we are purchasing the building that our company is developing and constructing, with an area of square meters, with a predetermined unit price of RMB/square meter and a predetermined total house price of RMB (in words). It is planned to be completed and delivered on.

Now I'm going to apply for a personal housing mortgage loan from you. Number of applicants 10000 yuan. In order to successfully obtain the above loan, our company will undertake the following guarantee responsibilities:

1. Provide unconditional and irrevocable joint liability guarantee for the buyers who apply for loans. The guarantee period starts from the date of loan issuance to the date when the borrower takes the purchased commercial house as the mortgage, obtains the house ownership certificate, completes the mortgage registration formalities, and delivers the certificate of other rights to the loan bank for safekeeping.

2. It is agreed to keep 5% of the loan balance as a deposit, which will be withdrawn by the developer, and then transferred to the deposit account designated by the loan bank after the loan bank transfers the loan to the account designated by the developer according to the loan contract. If the borrower fails to repay the loan principal and interest or related expenses on time as agreed in the contract, the loan bank may directly deduct the money from the deposit account to pay off the loan principal and interest owed by the borrower. After deducting the arrears, the balance of the margin account must be replenished in time at 5% of the loan balance. The opening period of the margin account is until the developer completes the house ownership certificate of the purchased commercial house for the borrower, completes the house mortgage registration, and submits the house ownership certificate and other house ownership certificates to the loan bank for safekeeping.

3. Cooperate with the loan handling bank to actively collect arrears and actively cooperate with the personal housing disposal work recovered according to law.

Guarantor (seal):

Legal representative (signature):

date month year

Chapter II: Personal Guarantee of Housing Provident Fund Loan

Credit guarantee

Guarantor:, gender, birthday, ID card address, ID card number Guarantor:, gender, birthday, ID card address, ID card number Guarantor () Who is the guarantor? The Guarantor and the Guarantor * * * jointly contribute to purchase a complete set of housing for real estate development (commercial housing sales contract signing record number: second-hand house: property ownership certificate number: land use certificate number). Pay the down payment of RMB (in words) for the above-mentioned house, and the total house price is RMB (in words), and the share of the property right of the house shall be% by the guarantor and% by the guarantor. Now the guarantor is going to apply to Beichuan Housing Provident Fund Center for housing provident fund loan to pay the balance of house purchase, and the guarantor voluntarily uses all the property rights of the house as the guarantor to apply for mortgage guarantee of housing provident fund loan. The Guarantor guarantees the following about the real estate mortgage:

1. All contents of the Guarantor's approval (individual housing provident fund loan mortgage contract).

2. The Guarantor agrees to mortgage all the real estate shares to the Guarantor and apply for individual housing provident fund loan from Beichuan Housing Provident Fund Management Office.

3. If the guarantor fails to pay the principal and interest of the loan on schedule, the guarantor voluntarily assumes the repayment responsibility of the principal and interest of the housing provident fund loan of the above-mentioned house, and assumes all legal responsibilities caused by the mortgage guarantee; If the Guarantor commits other breach of contract, resulting in the disposition of the mortgaged property, the Guarantor shall bear corresponding legal responsibilities.

Guarantor:

date month year

Chapter III: Guide to Housing Provident Fund Loan Guarantee

Guide to housing provident fund loan guarantee

Provident fund loan is a special loan issued to the depositor of housing provident fund for daily purchase (pre-sale and second-hand housing), construction, renovation, overhaul of self-occupied housing and affordable housing.

I. Guarantee Process

1. The loan applicant shall go through the following procedures in our company with the Loan Application Form of Housing Provident Fund Management Center:

I. Fill in the Application Form for Personal Housing Loan Guarantee.

B. sign the guarantee agreement.

C, fill in the personal commitment (* * * someone)

D. Fill in the application form for counter-guarantee guarantor

2. The loan applicant must show his ID card, household registration book, marriage certificate, salary certificate and house purchase contract.

Original and photocopy of down payment voucher, etc. , after verification, should be saved for investigation and implementation. After the loan is approved, a copy of the loan approval form and loan contract shall be left.

3. With the preliminary approval of the relevant person in charge of the company, the lender shall go through the relevant formalities in the provident fund management center after affixing the guarantee business seal in the relevant column of the loan application form.

4. During the review of provident fund loans, the guarantee department and risk department of the company began to investigate and verify before the guarantee (at least two salesmen must be present), mainly aiming at whether the information provided by the lender is true and whether the house purchase behavior is true, and then write the investigation report and review report accordingly.

5. When handling the guarantee procedures, in addition to the guarantee industry personnel, the relevant personnel of the risk control department must be present to assist and supervise the lender to sign in person or fingerprint.

6. Risk control before guarantee should start from the source. The company signed the Cooperation Agreement on Housing Provident Fund Loan and Mortgage with local real estate developers. Commercial housing must provide a pre-sale permit and the Housing Authority has a record to obtain the qualification of housing provident fund loan guarantee. The information of the cooperation agreement with developers can be shared with the center, which avoids the fraudulent behavior of developers and improves the work efficiency of the center.

7. The investigation of the lender's credit status mainly refers to the past credit occurrence.

8. After the provident fund approves the loan, all the information and procedures are complete, and relevant fees are charged. The guarantee company will issue a positive or negative letter of guarantee and hand it over to the entrusted loan bank after printing.

Second, the counter-guarantee measures

1, which can provide mortgage guarantee for self-owned houses or third-party houses, or mortgage for faster houses and other properties;

2. Under normal circumstances, find two third parties who have the ability to pay off debts on their behalf to provide joint and several liability guarantee: find three guarantors for those who exceed 200,000 yuan (including 200,000 yuan).

3. The guarantor must meet the following conditions: the guarantor should be a national civil servant, staff of institutions, teachers, doctors, senior managers of state-owned enterprises and other professional and technical personnel, and have a house; big

Individual industrial and commercial households (self-employed, operating for more than two years, operating in good condition, with local own housing)

Third, the loan conditions

Employees applying for housing provident fund loans shall meet the following basic conditions:

(a) according to the provisions of the normal full deposit of housing provident fund, and at the time of applying for a loan has been paid for more than one year.

(two) the depositor of the sealed housing provident fund account must unseal the account and re-deposit it in full and on time for more than one year before applying for the housing provident fund loan.

(three) the loan applicant can apply for housing provident fund loans within one year after signing the purchase contract.

(4) The houses purchased, built, renovated or overhauled are ordinary houses occupied by the city, and there are purchase and construction contracts and relevant certification materials that meet the legal requirements, and it is agreed that the houses purchased and built will be used as loan guarantees or other forms of guarantees.

(5) The purchased house shall be a real estate project within the municipal area, and a loan cooperation agreement shall be signed with the Housing Provident Fund Management Center or Sichuan Dingmu Housing Property Guarantee Co., Ltd. ..

(VI) For real estate projects that have not signed a cooperation agreement with the center or the guarantee company, as long as the commercial housing contract of the purchased house has been filed in the construction department, other legal and valid properties such as real estate, securities and certificates of deposit shall be provided as collateral for evaluation (the effective property evaluation value must be greater than or equal to the loan amount applied for).

Fourth, the loan amount.

(a) housing provident fund loans per person, per household quota system. The employee housing provident fund loan shall not exceed 70% of the total value of the purchased housing, and the maximum single loan amount is 300,000 yuan.

(two) the specific loan amount is determined by the housing provident fund management center according to the employee's application, repayment ability, personal credit, housing provident fund deposit, purchased housing and housing prices.

(three) the amount of employee housing provident fund loans is insufficient, you can apply for housing provident fund portfolio loans. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans.

Verb (abbreviation for verb) expense (paid by the owner of the house)

The standards approved by the Municipal Price Bureau are as follows: guarantee service fee: the loan guarantee period is less than 5 years (including 5 years), and the service fee is 65438+ 0% of the loan amount (one-time charge); If the loan guarantee period exceeds 5 years, the guarantee fee will increase by 0. 1% for each additional year of the loan period.

Guide for handling housing provident fund loans for employees in commercial buildings

I. Information required for signing the development project agreement:

Information provided by development enterprises (business license, development qualification certificate, project state-owned land use certificate, construction land planning permit, construction project planning permit, construction project commencement permit), only real estate companies with complete documents are eligible to sign provident fund loan guarantee agreements, and only houses that use the project according to the agreement are eligible to apply for provident fund loans.

2. The developer of the project building needs to pay the loan deposit to our company and deposit it in our account.

The loan deposit is 5% of each provident fund loan. Only when the security deposit deposited by the development unit enters our account will our company issue a provident fund loan guarantee. Only after the letter of guarantee is issued, the entrusting bank will transfer the provident fund loan into the account of the development company, and return the loan deposit to the housing development unit in one lump sum after handling other warrants such as house ownership certificate and land use certificate.

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