Description of loan conditions of Lanzhou provident fund

First, Lanzhou provident fund loan conditions.

Description of loan conditions of Lanzhou provident fund

What are the conditions for Lanzhou provident fund loan?

Lanzhou housing provident fund loan conditions specifically include the following aspects:

1. has legal and valid identification, and has not exceeded the statutory retirement age stipulated by the state;

2. The deposit status is normal, and the provident fund has been paid in full and continuously every month for more than 6 months (inclusive). The main points are as follows:

(1) The overdue payment before the first account opening date will not be recognized;

⑵ In terms of time, the number of natural monthly remittances from the first remittance date to the loan application date reached 6 months or more;

(3) In terms of the amount, the deposit amount during the period must be full;

(4) If the payment is suspended after opening an account, the payment status shall be determined by taking the date of resumption of payment as the payment date when applying for a loan.

5] For the employees transferred from the external center to the center, the deposit period shall be calculated in combination, and the first remittance date of the provident fund shall be calculated according to the amount transferred from the external center.

(6) Deposit in other centers, provide the deposit and loan certificate issued by the deposit center;

Once some units pay quarterly or annually, they can be inferred according to their actual payment methods.

3. Have a stable economic income and the ability to repay the loan principal and interest;

4. I and my spouse have good credit, and there are no outstanding records of housing provident fund loans and commercial bank housing loans;

What materials are needed for Lanzhou housing provident fund application?

Lanzhou housing provident fund application materials generally include several categories:

1. identification: check the original identification and household registration book of the borrower and his spouse. Collect three copies of the borrower's ID card, two copies of the spouse's ID card and two copies of the household registration books of both parties. If the borrower is an active soldier, check the original military officer's card and collect three copies.

2. proof of marital status: if you are married and your household registration can show the relationship between husband and wife, you can no longer check the marriage certificate; If the household registration book cannot show the marriage relationship, you should check the original marriage certificate of the borrower and receive two copies; If the borrower is unmarried, divorced or widowed, he can truthfully fill out the Commitment Letter on the Marital Status of Single Workers when applying for individual housing loans, and bear legal responsibility for the authenticity of his commitment. The sub-center and the management department will judge his marital status accordingly and apply for personal housing loans.

3. Income certificate: if the principal applicant agrees to determine the monthly income according to the deposit base of his housing provident fund, it is not necessary for the unit to issue a monthly income certificate for the employees, nor does it need to provide a bank payroll; If the main applicant does not agree to determine the monthly income according to the deposit base of my housing provident fund, the unit still needs to issue a monthly income certificate. If the monthly income exceeds 3,000 yuan, it is also necessary to provide a list of bank salaries for more than 6 months, and determine the individual's monthly income with the average monthly salary income; Unable to provide a bank payroll for more than 6 months, proving that the monthly income is higher than 3,000 yuan, it will be approved by 3,000 yuan, and it will be approved by the actual amount if it is lower than 3,000 yuan.

* * * If there is an applicant, regardless of whether the housing provident fund is paid, the monthly income will be determined by the main applicant.

4. Signing notarial certificate by entrustment: If the principal applicant or the * * * co-applicant is unable to sign the loan in person for some reason, but can provide the power of attorney signed by the authorized client notarized by the notary office, the center will recognize it and collect the original notarial certificate signed by the client page by page and stamped with fingerprints.

5. Purchase information: two originals of the commercial housing sales contract (each contract is attached with a standard plan); Two copies of deposit invoice or receipt (stamped with original seal).

Original text of Lanzhou housing provident fund loan policy

Notice on Adjusting Relevant Policies of Housing Provident Fund and Personal Housing Loan

Lanzhujin [20xx] No.92

All offices, sub-centers and management departments:

In order to give full play to the mutual aid function of the housing provident fund system, safeguard the rights and interests of employees who have paid the housing provident fund, and further reflect the fairness of the housing provident fund system, it is decided through research that the individual housing loan policy of Lanzhou housing provident fund will be adjusted as follows:

First, adjust the provisions of the loanable amount.

On the basis of the existing loan amount "not exceeding the maximum loan amount stipulated by the center, not exceeding 80% of the total house price, not exceeding the loanable amount calculated according to household income", increase "not exceeding the loanable amount calculated according to deposit balance and deposit time".

The loan amount calculated according to the deposit balance and deposit time = the total balance of the provident fund account of the applicant and * * * with the applicant × the deposit balance coefficient× the deposit time coefficient.

(1) Determination of deposit balance

1. If the borrower and the applicant are not in the same center, the balance of housing provident fund deposit can be calculated together.

2. The spouse of a married borrower must be the same applicant, and a single borrower may allow any one of his father, mother, son or daughter to be the same applicant.

3. If the sum of the balance paid by the borrower and the applicant is less than 65,438+00,000 yuan, it shall be calculated as 65,438+00,000 yuan.

(B) Determination of deposit balance coefficient

The coefficient of deposit balance is tentatively set as 18.

(3) Determination of storage time and coefficient

1. The deposit time is subject to the deposit time of the housing accumulation fund of the main borrower.

2. Deposit time (month) and deposit time coefficient:

6 months ≤ deposit time ≤ 12 months, and the deposit time coefficient is1;

12 months

18 months

24 months

The deposit time is more than 36 months, and the deposit time coefficient is 1.5.

Two, adjust the relevant provisions of the "business-to-business" loans.

Cancel the policy of "natural person guarantor changing to public loan". If the borrower has not obtained the property ownership certificate of the purchased property or has obtained the property ownership certificate but has not settled the housing loan of the commercial bank when applying for the business loan, it will not be accepted.

Improve the policy of "transferring this house mortgage to public loan". Those who have obtained the "Property Ownership Certificate" and settled the housing loans of commercial banks will continue to be accepted as housing mortgages. The borrower self-raised funds to settle the balance of personal housing loans of commercial banks and apply for loans to the center within 3 months. More than 3 months will not be accepted.

Three, the real estate mortgage can only be "own mortgage" way, no longer use "others mortgage".

Fourth, adjust the purchase time after the transfer of second-hand houses.

After the transfer, the purchase period of the second-hand housing loan is adjusted from 2 years after obtaining the property ownership certificate to 1 year after obtaining the property ownership certificate.

This notice shall come into force as of 20xx 10 15, and the railway sub-center shall formulate policies in line with the actual situation of the sub-center according to the spirit of this notice, which shall be implemented after being approved by the center.

2. How do individuals pay Gansu Provident Fund?

According to the regulations, the payment of individual provident fund must meet the following conditions: ① it must be paid for urban households in Gansu Province; ② Gansu social basic endowment insurance should be paid normally; ③ The salary base paid by individuals shall not be lower than the average social salary of workers in Gansu Province in the previous year, and the proportion of payment shall be 10% to 17%, and the payer may choose the proportion voluntarily.

3. How do Lanzhou individuals pay the housing provident fund and how do they get loans?

Extraction process

1. Provide the extraction data, which will be verified by the unit and the extraction certificate will be issued.

2. With the extracted data, apply to the management center for extracting the storage balance of the housing provident fund from my account or someone else's account that meets the requirements.

3. The management center shall make a decision on whether to approve or disapprove the extraction within 3 days from the date of accepting the application. If the withdrawal is not allowed, the applicant shall be informed of the reasons.

4. If the withdrawal is approved by the management center, the employee shall go through the withdrawal formalities at the entrusted bank with the ID card and the withdrawal certificate issued by the management center.

New policy of renting a house to withdraw provident fund

First, employees who have paid in full for three months in a row, and their spouses and I have no own housing in the city where they paid, can withdraw the housing provident fund to pay the rent;

Second, renting public rental housing can be fully extracted according to the actual rental expenditure;

Third, for rented commercial housing, all localities determine the withdrawal amount according to the local rent level and housing area.

4. How do Lanzhou individuals pay the housing provident fund and how do they get loans?

Lanzhou employees applying for individual housing provident fund loans shall meet the following conditions:

Unit employees have paid housing provident fund for more than 3 months, and freelancers have paid housing provident fund for more than 1 year. Those who purchase, build, renovate or overhaul their own houses may apply for housing.

Housing provident fund loans include commercial housing mortgage loans, affordable housing mortgage loans, single-room loans, "business-to-public" loans, real estate mortgage loans and so on.

The loan amount of housing provident fund cannot exceed 70% of the purchased house price, 70% of the assessed price of collateral and 80% of the house price. The maximum loan is not more than 500,000 yuan, and the maximum loan for individual employees is not more than 400,000 yuan.

The loan term is generally not more than five years of the borrower's statutory retirement age, and the male employees are not more than 65 years old and the female employees are not more than 60 years old. The longest term of the loan is 30 years.

New Deal on Changes in Loan Conditions (Implemented)

Before the reform: Before applying for provident fund loan, the borrower should continuously deposit housing provident fund 12 months in Lanzhou.

At present, the borrower has applied for provident fund loans for six consecutive months (including six provident funds).

Mutual recognition in different places: employees can apply for individual housing loans from the housing provident fund management center with the deposit certificate issued by the housing provident fund management center in their place of employment.

Lanzhou has officially implemented the new policy. Details are as follows:

1, legal

2. Have full capacity for civil conduct and good credit;

3. Have a stable income and the ability to repay loans.

4, with a legal and effective purchase contract, agreement or the real estate administrative department issued the "all of the housing";

5. A down payment of 30% of the total price has been paid for the purchase of a house; Construction pays the upfront cost of 30% of the total cost required for the construction, renovation and overhaul of housing;

6. Newly built or rebuilt houses, one room;

7, overhaul housing, approved by the planning and management department;

8. Can provide effective support recognized by the management center.

9. Other conditions stipulated by relevant laws, regulations and policies.

10. If a married borrower applies for a personal housing provident fund loan, his/her spouse is * * * with the borrower, * * * with the debtor, and * * with the real estate; In case of special circumstances, the borrower shall provide legal and effective relevant certification procedures, which shall be confirmed by the management center.