The new policy of Chengdu provident fund to buy a house on behalf of loans; Chengdu provident fund loan intermediary

What information do buyers and sellers of second-hand housing provident fund loans in Chengdu need to provide?

What information do buyers and sellers of second-hand housing provident fund loans in Chengdu need to provide? Due to the particularity of second-hand houses, both buyers and sellers need to provide certain information when using Chengdu provident fund loans to buy second-hand houses. The following is the detailed information provided by the buyer and the seller when using the Chengdu provident fund loan to buy a second-hand house.

(1) Information and copies to be provided by the buyer:

1, original ID card or military officer's card of the second generation and 3 copies.

2 original and two copies of the household registration book (home page and applicant's home page).

3. The original and two copies of the marriage certificate (marriage certificate, divorce certificate, single statement on the spot).

4. The original 1 copy and the copy 1 copy of the qualified house sales contract or agreement.

5. The original and 3 copies of the down payment receipt and credit card POS or cash receipt.

6. The original and two copies of the borrower's family housing registration record information certificate (employees who apply for loans in urban areas can print two copies of the inquiry results of family housing registration records at the consultation counter of the urban management department).

7. Entrusted Deduction (Repayment) Account: 2 originals and photocopies of the savings card or passbook of the loan handling bank selected by the main borrower.

8. proof of income: customers who have not paid the housing provident fund must provide 2 originals of proof of income (which can be downloaded from the website of the center) and 1 copy; Among them, customers with a monthly income of more than 3,500 yuan must also provide 1 year's original bank statement or tax payment certificate and 1 copy.

9. Proof of deposit: Employees who deposit the provident fund in provincial sub-centers and petroleum sub-centers must provide their own deposit details and the original deposit certificate (deposit inquiry form) and a copy of the housing provident fund account 1 in their sub-centers in recent years, and the status of the housing provident fund account should be normal.

10. Other materials required by Chengdu Provident Fund Center.

(2) Information and copies to be provided by the seller:

1, original ID card or military officer's card of the second generation and 3 copies.

2 original and two copies of the household registration book (home page and applicant's home page).

3. The original and two copies of the marriage certificate (marriage certificate, divorce certificate, single statement on the spot).

4. Original and 3 copies of the property right of the house to be sold (Xindu and Chongzhou also need to provide the original and 3 copies of the land certificate of the house to be sold).

5. Collection account: the original and two copies of the savings card or savings account opened by the seller in the loan undertaking bank.

6. If the address of the house is changed, the original and two copies of relevant certification materials shall be provided.

7. Other materials required by Chengdu Provident Fund Center.

What are the repayment methods for handling provident fund credit loans in Chengdu?

The repayment method of Chengdu provident fund loan is as follows:

Provident fund loans with a loan term of less than 1 year (including 1 year) shall be repaid by one-time repayment of principal and interest. For provident fund loans with a loan term exceeding 65,438+0 years, the borrower shall repay the loan principal and interest on a monthly basis in the form of equal principal and interest and average capital.

Average capital repayment method. This method has the highest repayment amount in the first month, and then decreases month by month, so this method is usually called "diminishing method".

Equal principal and interest repayment method. This repayment method divides the loan principal and interest into several equal parts according to the loan term, and the monthly repayment amount is the same, so this method is often called "equal repayment method".

[]

Chengdu provident fund loan amount:

The maximum amount of a single housing provident fund loan in Chengdu Housing Provident Fund Management Center is two or more employees' families who meet the housing provident fund personal housing loan conditions. The maximum amount of a single loan is 700 thousand yuan, and the maximum amount of a single employee loan is 400 thousand yuan. The specific amount will vary according to the qualifications and conditions of the applicant.

Legal basis of Chengdu provident fund loan;

According to Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when they purchase, build, decorate or overhaul their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

According to the provisions of Article 27, applicants applying for housing provident fund loans shall provide guarantees.

Is it easy to apply for Chengdu provident fund credit loan?

Provident fund loan procedures are simple. There are online direct application and offline application.

Banks have different requirements and different information. As far as I know, people with low interest rates will ask to buy a house. In addition, some banks have a so-called white list, that is, some units it recognizes belong to high-quality units or companies, and people belonging to this branch can enjoy lower import conditions and interest.

How to borrow Chengdu housing provident fund loan?

When applying for a loan, the borrower must fill in a written application in a bank entrusted by Chengdu Provident Fund Center and submit the following materials:

Proof of deposit of the applicant's and spouse's housing provident fund;

(2) Proof of identity of the applicant and spouse (referring to valid residence certificates such as resident ID card and household registration book) and proof of marital status;

(3) proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(6) Other materials required by Chengdu Provident Fund Center.

For the loan application with complete information, the entrusted bank shall promptly accept the examination and submit it to Chengdu Provident Fund Center.

Chengdu Provident Fund Center is responsible for approving loans and informing the entrusted banks of the approval results in a timely manner.

The entrusted bank shall notify the applicant to handle the loan formalities according to the examination and approval results of Chengdu Provident Fund Center, and send the loan contract and other formalities to Chengdu Provident Fund Center for examination and approval. After the approval of Chengdu Provident Fund Center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

The loan funds should be transferred to the special account for selling houses opened by the selling unit in the bank in the name of the borrower's purchase price; If it is a re-traded housing loan, the loan funds must be transferred to the special account opened by the housing transaction intermediary agency entrusted by Chengdu Provident Fund Center, and then paid to the seller according to relevant regulations.

I. Housing Provident Fund Individual housing loans are divided into individual housing pure provident fund loans and individual housing portfolio loans.

1. Personal housing pure provident fund loan is a housing consumption loan issued to employees who pay housing provident fund for the purchase of self-occupied housing.

2. Personal housing portfolio loan refers to that when the housing provident fund loan applied by an individual is insufficient to pay the purchase price, the insufficient part applies to the bank for commercial housing loan, referred to as portfolio loan.

Second, the loan amount:

The loan amount of individual housing pure provident fund must meet the following conditions.

1. The maximum amount of a single housing provident fund loan is 400,000 yuan;

2. The maximum loan ratio shall be subject to the agreement signed between Chengdu Housing Provident Fund Center and the developer;

The calculation formula of the maximum loanable amount is: the sum of the individual monthly contributions of the borrower and spouse to the provident fund ÷ the actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period (the longest loanable period).

If the deposit ratio between husband and wife is inconsistent, the actual deposit ratio shall be determined according to the higher proportion.

3. 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).

4. The spouse of the loan applicant, as the housing provident fund co-borrower, can participate in the calculation of the provident fund loan amount.

For loan applications that meet the above conditions, Chengdu Provident Fund Center will determine the final loan amount after comprehensive evaluation based on the credit status of the loan applicant and other factors.

The loan amount of individual housing portfolio must meet the following conditions.

1. Not exceeding 70% of the total value of the purchased house;

2. The ratio of real estate expenditure to income shall not exceed 50% (including 50%);

Calculation formula: (monthly repayment amount of the loan, monthly property management fee)/monthly income.

The ratio of all debt expenditure to income shall not exceed 55% (inclusive).

Calculation formula: (monthly repayment of the loan, property management fee and other debts)/monthly income.

For individual housing portfolio loan applications that meet the above conditions, banks and provident fund centers will jointly evaluate the credit status of loan applicants and determine the final loan amount.

What is the face-to-face signing process of provident fund?

The face-to-face signing process of provident fund includes submitting materials, reviewing materials, paying fees and signing contracts.

1. Submission of materials When the borrower applies for a provident fund loan in the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide guarantee, it shall submit all the materials required for the personal loan application, including the materials required for the guarantee application.

2. Notice of Examination After the loan application has passed the preliminary examination, the management department will issue the Notice of Examination of Guarantee Application, print the loan contract, mortgage contract and other relevant legal documents, and submit all personal loan information to the guarantee center.

3. The approval guarantee center will review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center will issue a letter of approval for the guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the intermediary agency shall be responsible for handling the guarantee application procedures and collecting the guarantee service fee.

4. The paying borrower shall pay the guarantee service fee according to the Approved Opinions on Guarantee Application. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center on the approved loan contract, mortgage contract, custody contract and other legal documents.

5. The materials are transferred to the approved personal loan application materials, and the guarantee center transfers them to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information.

6. Signing the Contract The Housing Provident Fund Management Department supervises and guides the loan applicant to sign the loan contract, mortgage contract and other relevant legal documents.

Extended data

On May 13, 2002, the State Council issued the Notice on Further Strengthening the Management of Housing Provident Fund (Guo Fa [1998] No.23), which further explained and supplemented the Regulations on Management, and requested the Ministry of Construction to supervise and inspect the implementation of the Regulations on Management of Housing Provident Fund and this notice together with relevant departments, and report to the State Council.

20 10 1 1.2 The Ministry of Housing and Urban-Rural Development and the Ministry of Finance of the People's Republic of China issued the Notice on Standardizing the Individual Housing Loan Policy of the Housing Provident Fund, which made more explanations and norms on the issuance and collection of the housing provident fund.

20 15 10 On October 20th, the Ministry of Housing and Urban-Rural Development of the People's Republic of China, the Ministry of Finance and the People's Bank of China issued the Notice of the Ministry of Housing and Urban-Rural Development and the People's Bank of the Ministry of Finance on Relaxing the Conditions of Drawing Housing Provident Fund to Pay Rent. In order to protect the legitimate rights and interests of employees who have paid housing provident fund, improve the housing provident fund withdrawal mechanism, improve the effectiveness and fairness of the system, and promote the development of the housing rental market, the Notice clarifies the conditions for withdrawing rental housing: employees.