How to get a provident fund loan to buy a house at the housing fair

Personal Housing Accumulation Fund Loan is an entrusted loan issued by the policy housing provident fund. It refers to the employees of the unit who pay the housing provident fund to the fund management center on time and normally in this city. When purchasing or constructing a self-occupied house (including second-hand housing), the owner's property is used as collateral and is guaranteed by a legal person with the guarantee capacity to apply for a loan from the Fund Management Center. The loan can be issued by the bank entrusted by the Fund Management Center. In order to further promote the process of commercialization and socialization of housing, the main target of housing provident fund distribution should be shifted from housing development companies to ordinary residents.

Personal Housing Provident Fund Loan Scope:

1. To purchase a property developed by a real estate company, a home purchase loan is required;

2. To purchase a public property that can be sold according to regulations For housing, a home purchase loan is required;

3. To purchase a second-hand house with property rights in the real estate trading market, a home purchase loan is required;

4. Due to construction, renovation, or overhaul in the cities and towns of this city For self-occupied housing, a building loan is required;

5. In order to cooperate with the government to deepen the reform of the housing system, other home purchase loan projects approved by banks.

Term interest rate:

The term of personal housing provident fund loans is 1-30 years (of which the term of second-hand housing loans is 1-10 years), and shall not be longer than the borrower's statutory retirement age time; for employees approaching retirement age, the loan period can be appropriately relaxed by 1 to 3 years based on their loan repayment ability. The interest rate of individual housing provident fund loans shall be implemented by the Housing System Reform Commission in accordance with relevant regulations of the People's Bank of China. If the national legal interest rate is adjusted during the loan period, the loan interest rate will be adjusted accordingly. Loans that have been disbursed will not be adjusted within the current year, and the adjustment time will be January 1 of the next year. If the loan term is within one year (including one year), the loan interest rate will not be adjusted.

Loan amount:

According to current policies, basic provident fund loans shall not exceed 100,000 yuan per household or 15 times the total account savings, and supplementary provident fund loans shall not exceed 3 yuan per household. Ten thousand yuan or twice the deposit balance. For employees who have paid into both provident funds, the maximum loan amount shall not exceed 130,000 yuan. And it does not exceed 80% of the total house price, and the maximum loan term is 30 years. To purchase a second-hand house or to renovate or overhaul a house, the loan amount shall not exceed 50% of the total house price, and the maximum term shall be 10 years. However, the loan period of the primary lender shall not exceed the statutory retirement age by 5 years.

The maximum loan amount for purchasing primary market housing and self-built housing is 150,000 yuan, and the maximum loan ratio shall not exceed 70% of the total purchase and construction price of the house; the maximum loan amount for purchasing second-hand housing is 80,000 yuan. The maximum loan ratio cannot exceed 50% of the appraised value of the purchased home.

1. The loan amount is determined according to a coefficient that shall not be higher than the repayment ability of the borrower (including spouse). The calculation formula is:?

The borrower and his wife will pay The sum of monthly salary income of housing provident fund × 12 months × 35 × loan term (if the borrower’s spouse fails to pay housing provident fund normally, the monthly salary income in the formula does not include the spouse). ?

2. If only one of the borrower's spouses pays the housing provident fund normally, the loan amount shall not exceed 50% of the total purchase and construction price; ?

3. Each loan The specific loan amount of a person shall be comprehensively determined by the lending bank and the Fund Management Center of the Housing Reform Commission in accordance with the above regulations and the borrower's ability to repay the loan.

Personal provident fund loan house purchase process:

1. Consult and receive the form;?

2. Submit an application;?

3. Sign the loan contract and mortgage contract;?

4. Go through the mortgage registration procedures;?

5. Go through the house registration procedures;?

6. Handle the house property Insurance;?

7. Loan transfer;?

8. Monthly repayment;?

9. Loan settlement and cancellation

Application processing:

When applying for a provident fund loan, the borrower should first fill out the "Employee Personal Housing Provident Fund Loan Application Form", which will be stamped by the employer and submitted to the lending bank together with the following supporting materials:

1. ID cards, household registration and marital status certificates of both the borrower and the couple (provide originals and copies);

2. "Economic Income Certificate" and "Provide Fund" issued by the borrower's spouse's employer Proof of payment";?

3. When purchasing a house, a purchase contract or agreement and a down payment receipt should be provided; if a self-built house is required, a document approving the construction of the house should be provided;?

4 .Other supporting documents required by the lending bank. ?

The borrower should provide the following information when applying for a personal second-hand housing provident fund loan: ?

1. The "State-owned Land Use Certificate" and "House Ownership Certificate" of the purchased house; ?

2. Appraisal report of the purchased house; ?

3. ID cards and household registers of the seller and his wife; ?

4. House purchase contract.

Processing by Provident Fund Management Center:

1. Provident Fund loan house purchase process: (1) Preliminary review: The Housing Fund Management Center will conduct a preliminary review of the materials submitted by the applicant, including the applicant’s qualifications , loan amount, loan period, and after passing the preliminary review, the center will issue a "Collateral Review and Assessment Notice".

(2) Evaluation: The applicant takes the "Collateral Review and Evaluation Notice" to the evaluation agency designated by the center to evaluate the value of the house purchased. Affordable housing does not require an assessment.

(3) Review: The applicant shall go to the center for loan review with the "Evaluation Report" issued by the assessment agency and the preliminary review materials required by the center. If qualified, the center will issue the "Beijing Housing Fund Management Center Guaranteed Entrusted Loan Investigation Notice".

(4) Go through the guarantee procedures: The applicant holds the "Beijing Housing Fund Management Center Guaranteed Entrusted Loan Investigation Notice" and goes through the guarantee procedures according to the guarantee method of his choice. If you choose the mortgage + guarantee method, the guarantor should issue a written guarantee letter; if you choose the mortgage + insurance or third-party guarantee method, you should go to an insurance company to apply for insurance or go to a guarantee agency to go through the entrustment guarantee procedures.

(5) Sign a loan contract. The suitable property there depends on your own specific requirements, such as the distance to the work unit and the surrounding living conditions

Application conditions: The prerequisite for a housing provident fund loan is that the urban employee and the location are the same. The unit must pay the housing provident fund continuously for one year.

Urban employees should submit the following information when applying for a personal housing provident fund loan:

1. Personal information: the identity certificate of the individual applying for the loan (hereinafter referred to as the borrower) and the relevant information of the spouse 4 copies of each identity certificate (ID card or other valid documents are acceptable);

The borrower’s marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, the widowed must provide the other party’s 4 copies each of the death certificate);

4 copies of the valid certificate of payment for the house purchase;

4 copies of the income certificate of the borrower and the spouse;

Four original legal house purchase contracts;

As well as the seals of the borrower and his spouse;

In addition, proof of deposit of the borrower’s housing provident fund must be provided.

Be sure to bring the originals and the corresponding number of copies of the above materials.

2. Housing construction approval materials:

Commercial housing pre-sale (sales) permit or housing reform approval;

Construction project planning permit;

Construction project construction permit;

Construction land planning permit;

State-owned land use certificate;

Construction approval plan and floor plan.

House buyers who meet the conditions for housing provident fund loans can apply for provident fund loans at entrusted banks and handling outlets. They can also go to the nearest provident fund management center or branch centers or management departments to apply for provident fund loans.

First of all, you need to ask the developer about the mortgage bank situation of the project, whether the "five certificates" for the real estate are complete, and whether they can provide themselves with relevant procedures, etc. If the developer has all the "five certificates" but does not provide them to home buyers, it is impossible to apply for provident fund loans.

Process:

1. The Housing Fund Management Center signs an entrusted loan agreement with the trustee bank.

2. The borrower directly submits a loan application to the Housing Fund Management Center. The entrusted industry can collect the borrower's application information on its behalf as needed and submit it to the Housing Fund Management Center for review and approval.

(1) Borrower’s identity document (referring to resident ID card, household register or other valid residence documents) and proof of marital status;

(2) Proof of borrower’s family property and income ;

(3) Legal letter of intent, agreement or other approval document for housing purchase (construction, repair);

(4) List of mortgages or assets, certificate of ownership and Proof that the person with the right to dispose agrees to the mortgage or pledge; proof of the valuation of the mortgage issued by the competent department; written document that the guarantor agrees to provide guarantee and the guarantor’s credit certificate;

(5) Purchase (construction, construction, etc.) (Repair) The total price of the house is more than 20 RMB of its own funds, and it is guaranteed to be used to pay the down payment of the purchased (built or repaired) house;

(6) If you build your own house, you should issue a plan, construction, Approval documents from planning, land and other relevant departments;

(7) If the self-owned house is renovated or overhauled, a certificate of property ownership of the self-owned house should be issued;

(8) There is a house Assets recognized by the Fund Management Center are used as mortgages or pledges, or units or individuals with sufficient solvency are used as guarantors;

(9) Other conditions specified by the Housing Fund Management Center.

3. After the Housing Fund Management Center approves the amount, term, and interest rate of each loan, it signs an entrusted loan contract with the trustee bank.

4. After the trustee bank signs the "Housing Provident Fund Entrusted Loan Mortgage Contract", "Housing Provident Fund Entrusted Loan Pledge Contract" and "Housing Provident Fund Entrusted Loan Guarantee Contract" with the borrower in accordance with the entrusted loan contract, respectively, Handle loan procedures.

5. The trustee bank will transfer the loan directly to the designated account opened by the seller at the trustee bank.