Is the down payment of Jilin provident fund loan 20% implemented?

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. Provident fund loan refers to the establishment of public housing fund for employees, which is a measure to promote the reform of housing system in China, aiming at solving the housing difficulties of employees jointly by the state, collectives and individuals.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. Explain in detail that the target of provident fund loan is employees who have permanent residence in local towns, have established housing provident fund system for more than 2 years and pay housing provident fund according to regulations. In the purchase or construction of housing or renovation or overhaul of their own housing funds are insufficient, you can enjoy provident fund loans. The loan conditions are as follows: the total amount of provident fund paid by the borrower and his family members reaches at least 30% of the newly purchased (overhauled) housing expenditure; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

Application process

Submit information

When the borrower applies for a provident fund loan from the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide the guarantee, it shall submit all the materials required for the individual to apply for the loan, including ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.

Audit notice

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 (counter-guarantee) contract and other relevant legal documents, and submit the personal loan information to the guarantee center.

check and ratify

The guarantee center shall review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center shall issue an approval letter for the guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the intermediary agency shall handle the guarantee application procedures and collect the guarantee service fee. (Note: The agency must have the qualification certification of Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center. )

pay

The borrower shall pay the guarantee service fee according to the approved Letter of Approval for 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 (counter-guarantee) contract, custody contract and other legal documents.

mass transfer

The audited personal loan application materials (including the sealed contract) are transferred from the guarantee center 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.

sign a contract

The housing provident fund management department shall supervise and guide the loan applicants to sign loan contracts, mortgage (counter-guarantee) contracts and other relevant legal documents.

The establishment of employee housing provident fund is a measure to promote the reform of housing system in China, aiming at solving the housing difficulties of employees jointly by the state, collectives and individuals. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.

Approval procedure

I. Basis for examination and approval

1, Regulations on the Administration of Housing Provident Fund

2. Measures for the administration of housing provident fund loans in 2.XX City

Second, the scope of acceptance, the workers who normally pay the housing provident fund in our city can apply for individual housing provident fund loans to the institutions affiliated to our center when purchasing, building, renovating or overhauling their own ordinary houses within the city.

Three. Application conditions The borrower shall meet the following conditions when applying for a loan:

1, with XX permanent residence or valid residence certificate;

2. The housing accumulation fund has been continuously paid in full for more than 12 months, or continuously paid for more than 12 months after withdrawing the accumulation fund;

3. Purchase, build, renovate and overhaul self-occupied ordinary houses (excluding commercial and residential dual-use houses) within the city limits, and have relevant procedures, certificates and self-raised funds that have been delivered according to the prescribed proportion;

4 have a stable income, good credit and the ability to repay the principal and interest of the loan;

5. Agree to guarantee according to the guarantee method recognized by the Provident Fund Center;

6. Agree to fulfill the repayment obligations on time in accordance with these Measures and the relevant provisions of the housing provident fund loan contract;

7, laws, regulations, rules and other conditions stipulated by the provident fund center.

Four. Application materials When applying for a loan, the borrower shall provide the following materials according to different situations:

1. If purchasing commercial housing or affordable housing, it shall provide a pre-sale contract for commercial housing (affordable housing) and a down payment certificate of not less than 20% of the total house price;

2. Self-built, renovated or overhauled self-occupied ordinary houses need to provide planning and construction documents approved by the construction or real estate administrative departments, land use certificates or original real estate licenses, construction contracts and project budget and final accounts;

3. To buy a second-hand house, you need to provide a real estate sales contract and a deed tax payment certificate;

4. If the unit raises funds to build a house, it is necessary to provide the approval documents for raising funds to build a house, the payment documents for raising funds to build a house or the purchase agreement;

5. The valid identity certificate, marriage certificate, household registration certificate or valid residence certificate of the borrower and his spouse;

6. Collateral appraisal report issued by real estate appraisal agency;

7. The guarantee certificate issued by the guarantor and the valid identity certificate of the guarantor;

8. Guarantee certificate issued by the real estate home purchase guarantee company;

9. Other materials required by the Provident Fund Center.

Verb (abbreviation for verb) program

1. The borrower goes to the branches of the provident fund center to collect and truthfully fill out the Application Form for Housing Provident Fund Loan, and submit relevant materials to the provident fund center for review;

2, provident fund center branch through the examination of the borrower's purchase authenticity and repayment ability, put forward suggestions on the loan amount and duration, after passing the preliminary examination and signed by the person in charge of the branch, and then reported to the municipal provident fund center for approval;

3. After examination, the Municipal Provident Fund Center makes a decision on whether to grant or not to grant the loan, and sends the loan materials back to all branches;

4. If the loan is granted, the branches of the Provident Fund Center will transfer the loan materials to the entrusted bank, and the entrusted bank will notify the borrower and the mortgage guarantee parties to sign the Housing Provident Fund Loan Contract and handle the mortgage guarantee procedures; For those who do not meet the loan conditions, each branch shall notify the loan applicant and explain the reasons;

5. The entrusted bank issues loans to borrowers.

Sixth, the processing time limit

1, subject to review. The initial trial time of the branch shall not exceed 2 working days from the date of accepting the loan application, and may be extended by 3 working days in case of large batch or other special circumstances;

2. Review and approval. After receiving the loan materials submitted by each branch, the Municipal Provident Fund Center shall examine and approve them within 3 working days.

Seven, the charging standard, no charge.

Edit this loan program

① Policy consultation

Workers who have paid the housing provident fund can consult Shanghai Housing Property Guarantee Co., Ltd. (hereinafter referred to as the guarantee company) to learn about the object, conditions and procedures of the secured loan, as well as the amount, term and interest rate of the main loan. At the same time, I can check the payment of my housing provident fund with my ID card and personal provident fund account number to determine whether it meets the loan guarantee conditions and the maximum and minimum loan guarantee period. When the borrower applies for a loan, the guarantee company will provide the Application for Personal Housing Provident Fund Guaranteed Loan for the borrower to fill in.

② Application acceptance

If the loan applicant provides relevant information, and the guarantee company meets the conditions of the secured loan in the first instance, the loan applicant will pay the fee according to the list of fees by the guarantee company's "Personal Housing Provident Fund Housing Guarantee Loan Acceptance Form" and sign the "Personal Housing Provident Fund Housing Guarantee Loan Contract".

③ Seal of real estate company

The borrower requires the real estate company to seal the loan contract for individual housing provident fund purchase guarantee, and the real estate company provides phased guarantee.

④ Implement the repayment method.

The borrower holds his ID card to the loan bank to handle the repayment account. If he has a credit card, he will go to the bank to confirm the credit card repayment and sign an entrusted repayment agreement.

⑤ Apply for mortgage registration.

The loan applicant holds relevant materials to go through the mortgage registration formalities at the county real estate trading center where the house is purchased.

⑥ Inform the bank to lend money.

The loan applicant shall submit relevant materials to the guarantee company with the certificate of completing the mortgage registration procedures and the "Personal Housing Provident Fund Purchase Guarantee Loan Contract" promised by both parties. After the guarantee company is approved, it will issue a loan notice to the lending bank to inform it to lend money.

⑦ Receiving personal data

After all the formalities are completed, the guarantee company informs the borrower to receive the personal custody information.

Edit the maximum amount for this paragraph.

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants.

Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price;

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).

Edit this limit and its calculation method.

The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.

1. The calculation formula is:

[(the total monthly salary of the borrower+the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month).

Use spouse quota:

[(total monthly salary of husband and wife+monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).

2. The loan amount calculated according to the house price

The calculation formula is: loan amount = house price × loan ratio.

Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans:

A purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing.

Workers' families (including employees, spouses and minor children, the same below) who purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private property housing) with a construction area of less than 90 square meters (including 90 square meters) shall pay a down payment of not less than 20% of the purchased housing price, and the loan amount shall not be higher than 80% of the purchased housing price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price.

If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price.

Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans.

When purchasing private housing, if the housing price is inconsistent with the assessed price, the lower of the two shall be the approved limit.

The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation.

B for the purchase of existing public housing, the loan amount shall not exceed 70% of the purchased housing price; For the construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the cost of housing construction and repair.

Edit the details of this paragraph.

1. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years; The loan amount is 70% of the appraised value of the house; The loan interest rate is implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate is 5.94%.

2. Housing mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings. General real estate mortgage loans need to be handled by professional real estate guarantee companies. Real estate mortgage loan has become an important means of real estate financing for individual residents. Loans are issued through mortgage loans to meet temporary consumption needs and even business needs, so as to revitalize the real estate held by residents. Moreover, among various financing channels, real estate mortgage loan is still one of the lowest cost ways. According to the data provided by Anjia Shiyin Guarantee Co., Ltd., the first wholly foreign-owned real estate guarantee company in China, nearly 30% of real estate mortgage loans are used to buy houses again, and other uses account for a relatively high proportion: business use, car purchase, study abroad immigration, decoration and purchase of bulk consumer goods. [ 1]

3. Loan application requirements

4. Real estate license

5. Identity cards of the obligee and his spouse

6. Household register of obligee and spouse

7. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)

8. proof of income

9. If the property owner has minor children, please provide birth certificate.

10. If the property has a bank loan, please provide the original loan contract and the latest bank statement.

1 1. In order to improve the loan pass rate, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).

12. Operation process

13. Borrower's pre-loan consultation: I520II54378 Fill in the application for residential housing mortgage and submit the following supporting materials from the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

14. The bank examines the borrower's loan application, house purchase contract, agreement and related materials.

15. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

16. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.

17. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the house selling unit or building unit specified in the house purchase contract or agreement.

18. loan settlement, including normal settlement and early settlement. ① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment); ② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Edit the calculation formula of this paragraph.

1. According to the actual deposit ratio

Sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (longest loanable term).

If the deposit ratio between husband and wife is inconsistent, the actual deposit ratio shall be determined according to the higher ratio. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse.

2. According to the repayment ability

{(total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) ×× repayment ability coefficient-total monthly repayment of the borrower's existing loan }× loan term (month).

Use spouse quota:

{(total monthly salary of both husband and wife+monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife )× loan period (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio).

3. According to the house price

The calculation formula is: loan amount = house price × loan ratio.

Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans:

A purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing.

Workers' families (including employees, spouses and minor children, the same below) who purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private property housing) with a construction area of less than 90 square meters (including 90 square meters) shall pay a down payment of not less than 20% of the purchased housing price, and the loan amount shall not be higher than 80% of the purchased housing price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price.

If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price.

Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans.

When purchasing private housing, if the housing price is inconsistent with the assessed price, the lower of the two shall be the approved limit.

The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation.

B for the purchase of existing public housing, the loan amount shall not exceed 70% of the purchased housing price; For the construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the cost of housing construction and repair.

4. According to the account balance

When employees apply for housing provident fund loans, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when employees apply for loans (if the spouse housing provident fund is used to apply for housing provident fund loans at the same time, it is the sum of the balance of the employee's and spouse's housing provident fund accounts). If the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000.