How to borrow Luoyang provident fund decoration loan?

Conditions for applying for provident fund renovation loan

The lender of the provident fund renovation loan must have a permanent residence in the local town or a valid proof of residence identity;

2. To apply for provident fund, you must continuously deposit housing provident fund 12 months or more. If both husband and wife have provident fund, only one party can apply for provident fund decoration loan;

3. The provident fund renovation loan applicant must hold a contract (agreement) and related materials for the construction, purchase and overhaul of owner-occupied housing in accordance with the law;

You should have a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price. The purchase of second-hand housing or self-built housing, housing overhaul, self-raised funds shall not be less than 30% of the total price. Of course, every city may be a little different;

5. The applicant must have a stable income and the ability to repay the principal and interest of the loan. Generally, the unit needs to issue a certificate of income;

6. The applicant agrees to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or legal persons, organizations or third parties recognized by the loan bank can provide guarantee.

Matters needing attention in decoration of provident fund loan

1. If you really need to decorate the stool at home, you can go to the local Ziyi and go through the relevant formalities with some home security guards.

2. If someone can't sign the property right certificate on the spot, it is necessary to entrust notarization, which will entrust the mortgage and loan handling right of the house to others.

3. Require the balance in the provident fund account of the main lender to be sufficient, usually more than 1/40 of the loan amount, and have been deposited continuously for 6 months. The processing cost of dates and plums with insufficient balance may increase.

2022 Luoyang provident fund loan conditions and requirements

2022 Luoyang provident fund loan conditions and requirements

2022 Luoyang provident fund loan conditions and requirements, housing provident fund loans to implement the per capita per household quota system. If both employees and their spouses pay housing provident fund, the specific loanable amount is calculated by individuals, and the loan conditions and requirements of Luoyang provident fund in 2022.

2022 loan conditions and requirements of Luoyang provident fund 1

Loan conditions of Luoyang provident fund

1. The applicant must continuously and normally deposit the provident fund in Luoyang for more than half a year;

2. The applicant must have a stable job and income and have sufficient repayment ability;

3. The applicant must have a certificate of permanent residence in Luoyang or a valid proof of residence identity;

4. Purchase, renovation and overhaul of owner-occupied housing can apply for provident fund loans;

5. Purchase a house, and provide a legal and effective purchase contract or agreement to apply for a loan;

6, construction, renovation of housing to apply for provident fund loans, the need to provide the approval documents of the planning and land management departments;

7. Luoyang Housing Provident Fund Management Center stipulates that the maximum application amount for a single housing provident fund loan shall not exceed 300,000 yuan;

8, the purchase of affordable housing, commercial housing, housing construction, the longest loan period of 30 years;

9, the purchase of private housing or renovation, construction, overhaul occupied housing, the longest loan period of 20 years;

10. The age of the applicant and the time limit for applying for a loan shall not exceed the statutory retirement age. If the conditions are good, it can be extended to five years after retirement;

1 1. The purchase of the first ordinary self-occupied house shall not exceed 70% of the purchase price (if the construction area in Xing Tao is less than 90 square meters (inclusive), it shall not exceed 80% of the purchase price);

12. If the loan application period is less than one year (including one year), the repayment method is to repay the principal and interest when due; If the loan application period exceeds one year, the repayment method is monthly repayment.

2022 Luoyang Provident Fund Loan Conditions and Requirements II

According to the regulations of Luoyang Provident Fund Center:

Calculation method of loan amount

Approved loan employee housing provident fund personal housing loan amount is calculated in the following way, taking the lowest value.

(1) According to the repayment ability of the borrower:

Monthly repayment amount = sum of deposit bases of both husband and wife × 50%;

(two) according to the personal account balance and deposit time:

Loan amount = (balance of borrower's provident fund account and spouse's provident fund account) × 10/0× deposit time coefficient (if the account balance is less than 10000 yuan, it shall be calculated as 10000 yuan);

The comparison between deposit time (month) and deposit time coefficient is as follows:

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Can Luoyang housing accumulation fund be used for decoration loan decoration? Urgent! Urgent! Urgent!

No, Luoyang can only be used to buy a house.

If you retire or change jobs, you can withdraw.

How to borrow provident fund loans for decoration?

Methods of applying for renovation provident fund loans:

1. Materials to be prepared for decoration provident fund loan application: ID card (if you have a spouse, you need to prepare the other party's ID card, and if you are married, you need a marriage certificate); Proof of income flow; Proof of payment of provident fund; Property ownership certificate/purchase contract, renovation contract, budget and decoration invoice, and receipt of down payment of no less than 20% for the house.

2. According to your own room type, after submitting the application, the bank will review the real estate agency and guarantee company, and will report the applicant's information and other information to the housing provident fund management center for review. The audit time is generally 40 days.

3. If the application is approved, the provident fund management center will notify the applicant and sign a loan contract with him.

What is the loan amount of Luoyang provident fund?

Legal analysis: Luoyang provident fund loan amount: the first personal basic provident fund loan with a loan amount of 300,000 yuan; If there is a supplementary provident fund, the loan amount is 654.38+10,000 yuan, and the maximum personal provident fund loan is 400,000 yuan. Husband and wife families are as high as 600 thousand, and both of them have as high as 800 thousand supplementary provident fund. After signing the sales contract and paying the down payment, if it is a pure provident fund loan, go to the acceptance outlets in various districts and counties. If it is a portfolio loan (commercial and provident fund), it will be handled directly in a commercial bank. The provident fund can't apply for a big renovation loan yet. According to the notice jointly issued by the Ministry of Housing and Urban-Rural Development and other four ministries recently, it is stipulated that the housing provident fund loan shall not be used for speculative house purchase, and the loan for the third suite shall be completely stopped. The down payment for the second suite shall not be less than 50%, and the loan interest rate shall not be lower than 1. 1 times of the personal housing loan interest rate of the first housing provident fund in the same period.

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.

Can the provident fund be used for decoration loans?

Of course.

The provident fund can be renovated by loan, and the following conditions need to be met:

1. Generally, the area of the house to be renovated is 70_, and the age of the house is within 15.

2. The general provident fund renovation loan limit is 1 1,000 yuan/_, which may be relaxed to about 2,000 yuan/_ again in the future.

3. The provident fund renovation loan has not been paid off, and you cannot apply for a new provident fund housing loan. In the short term, owners who need to buy houses should not easily make provident fund decoration loans.

4. The repayment of the provident fund renovation loan in the first two months can only be offset by the provident fund after the cash is deposited in the repayment account. After getting the loan, don't take all the money in the account, and leave a repayment limit of at least two months to avoid repayment default.

Matters needing attention in using provident fund loans

Repayment method of provident fund: Different cities have different repayment methods. Generally speaking, there are three ways: equal capital (the first month's repayment amount is large, and then it will decrease once a month), equal principal and interest (the monthly repayment amount is the same), and free repayment. You can also apply for provident fund repayment, that is, entrust the bank to withdraw the balance in the provident fund account to repay the loan.

Prepayment: If prepayment is to be considered, according to the relevant provisions of provident fund loans, it must be made after one year of repayment, and the amount of prepayment must exceed six months of repayment.

For the above contents, please refer to People's Daily Online-Can I apply for a housing provident fund loan for housing renovation?

The introduction of Luoyang provident fund renovation loan ends here.