What are the conditions for Jingzhou provident fund loans?

1. What are the conditions for Jingzhou provident fund loans

1. Have a legitimate occupation and stable economic income, have the ability and willingness to repay the principal and interest of the loan on time, and have good credit;

2. Have a registered, legal and valid "Commercial Housing Sales Contract";

3. Have self-raised funds of no less than 30% of the total purchase price;

4. Agree to use the purchased house as a mortgage;

5. Agree to apply for comprehensive loan insurance;

6. A guarantor (seller) agrees to guarantee it until the "Real Estate Certificate" is received. And register the mortgage of other rights in the house and hand it over to the lending bank and provident fund center for storage;

7. Other conditions stipulated by the provident fund management center.

II. Provident Fund Loan Policy

Provident Fund Policy for 2021: 1. Housing provident fund personal housing loans can only be used for the purchase, construction, renovation, and overhaul of ordinary self-owned housing by deposited employees. Support basic housing needs. It is strictly prohibited to use housing provident fund personal housing loans for speculative house purchases. 2. Maintain the continuity and stability of the policy for households of contributing employees (including borrowers, spouses and minor children, the same below) to use housing provident fund personal housing loans to purchase their first ordinary home. If you use a housing provident fund personal housing loan to purchase your first ordinary home, and the building area of ??the house is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; if the building area of ??the house is more than 90 square meters, the down payment of the loan The payment ratio shall not be less than 30%. 3. Second housing provident fund personal housing loans are only granted to households with depositing employees whose existing per capita housing construction area is lower than the local average, and the purpose of the loan is limited to the purchase of ordinary owner-occupied houses to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be lower than 1.1 times the interest rate of the first housing provident fund personal housing loan in the same period. 4. Stop issuing housing provident fund personal housing loans to families of contributing employees who purchase their third or more homes. : 1. Characteristics of Housing Provident Fund (1) Universality. Urban employees, regardless of the nature of their work unit, family income, or whether they already have a house, must pay housing provident fund in accordance with the provisions of the Regulations; (2) Mandatory (Policy nature) If a unit fails to register the deposit of housing provident fund or does not handle the establishment of housing provident fund accounts for the employees of the unit, the management center of the housing provident fund has the power to order it to be done within a time limit. If it is not done within the time limit, the relevant provisions of the "Regulations" may be followed. Penalties will be imposed, and people can apply for compulsory enforcement; (3) Welfare, in addition to the housing provident fund paid by employees, the unit must also pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans; (4) Returnability: If an employee retires, retires, or completely loses the ability to work and terminates the labor relationship with the unit, moves out of residence or settles abroad, the housing provident fund paid will be returned to the individual employee. 2. Nature of Housing Provident Fund (1) Security. The establishment of a housing provident fund system for employees provides a guarantee for employees to solve housing problems quickly and better; (2) Mutual assistance. The establishment of a housing provident fund system can effectively establish and form a housing ownership system. It is a mechanism and channel for employees to help employees without housing, and the housing provident fund provides financial help to employees without housing, which reflects the mutual aid nature of the employee housing provident fund; (3) long-term, every urban employee starts from the day he joins the work During the period from retirement or termination of labor relations, personal housing provident funds must be paid; the employer where the employee works must also pay housing provident funds for employee subsidies in accordance with regulations. 3. Housing provident fund refers to equal contributions from state agencies and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social groups and their employees. long-term housing savings.

3. Jingzhou Provident Fund Loan Policy 2021?

1. Children can use parents’ provident fund loans.

2. The identification of first-time home owners will be moderately relaxed, 3. Mortgage loans for home purchases in other places will be launched

4. Can Jingzhou provident fund retail investors get loans in 2016?

Apply for housing provident fund Basic loan conditions:

1 copy;

2. Have full capacity for civil conduct;

3. Have the ability to stabilize the principal and interest of professional loans;

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4. Purchase, build,

5. Have a contract or related purchase, construction, renovation, or overhaul of self-occupied housing

6. Provide a guarantee recognized by the client ;

7. Neither the borrower nor the husband and wife have any unpaid mortgage policy-based interest-rate loans;

8. Deposit conditions: The housing provident fund account has been established for more than 6 months (inclusive) .