How to check Guiyang provident fund loan?

20 16 Explanation of Guiyang Housing Provident Fund Loan in Different Places

Guiyang has issued off-site provident fund loans. All employees whose household registration belongs to Guiyang who work outside the home and pay the housing provident fund normally can apply to Guiyang Housing Provident Fund Management Center for off-site loans to buy ordinary new houses. The specific loan conditions, required materials and handling procedures are as follows:

I. Conditions for Guiyang to apply for housing provident fund loans in different places

1. The applicant is an employee of the company and his household registration is in this city;

2. The housing purchased by the applicant is a newly-built ordinary commodity housing in this city for self-occupation;

3. The applicant must pay the housing provident fund in full and continuously for more than 6 months (inclusive) before applying for a loan;

4, a stable source of economic income and the ability to repay the principal and interest on time;

5. The personal credit of the applicant and spouse is good, and the accumulated overdue records shall not exceed 6 periods (inclusive) or 3 consecutive periods (inclusive);

6. The applicant and spouse have no record of housing provident fund loan or only one record of housing provident fund loan and have paid it off;

7, in line with other conditions stipulated by the city provident fund personal housing loans.

Two, Guiyang to apply for housing provident fund loans in different places.

1, the housing provident fund deposit certificate provided by the urban housing provident fund management center at or above the prefecture level. (Require both husband and wife to provide housing provident fund in different places; Original 1 copy, kept by the center, and the voucher format is provided by the housing provident fund management center of our city)

2. Proof of housing provident fund deposit in different places and one-year deposit details. (One original and one copy, with a copy of the original inspection)

3. Other information is the same as the normal housing provident fund loan.

Three, Guiyang to apply for housing provident fund loans in different places.

1, ask for the form. Loan applicants go to Guiyang Housing Provident Fund business outlets for consultation, and get the housing provident fund deposit certificate, which can also be downloaded from our housing provident fund network.

2. Issue certificates. The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.

3. Verify the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center shall verify the deposit of housing provident fund in different places by telephone, fax and online inquiry.

4. Open an account. Loan applicants and other employees who need to participate in the quota calculation shall go to the business outlets of the housing provident fund management center of our city to handle the account opening procedures for the deposit households of employees with loans from different places with the proof of housing provident fund deposit.

5. Apply for a loan. The specific procedures are the same as the normal application procedures for housing provident fund loans. (round cabinet)

In internal operation, the occupation of employees who have paid housing provident fund in different places should be entered into the column of the applicant's occupation in the borrower's data table in the system)

Guiyang provident fund loan amount

Legal analysis: 1. Generally, one person applies for a housing provident fund loan with a maximum loan amount of 500,000 yuan, and two or more people purchase the same house to apply for a housing provident fund loan with a maximum loan amount of 800,000 yuan. 2. Please consult the local Public Offering of Fund Management Center for specific suggestions. 3. Secondly, the maximum loan amount of housing provident fund shall not exceed 70% of the total house price. Calculation formula of loan amount of housing provident fund: sum of individual monthly contributions of the borrower and spouse provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (longest loanable term). If the contribution ratio of both husband and wife is inconsistent, the actual contribution ratio shall be determined according to the one with higher ratio. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse. When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

How to inquire about the progress of Guiyang housing provident fund loan?

Generally, the application period of provident fund loans is about one month to one and a half months, and the acceptance outlets of approval results will notify borrowers by SMS or telephone. Inquire about the progress of provident fund loans:

1, go to the provident fund center for on-site consultation and provide my ID card;

2, telephone consultation, when the business is busy, it may cause the situation that I can't get through. Consulting the provident fund center or the bank staff who handle provident fund loans;

3. Log in to the provincial and municipal provident fund management center and customer service inquiry system, and you can inquire after registration.