Zaozhuang provident fund loan requirements?

In today's society, many people have a certain understanding when it comes to loans. Although the country's economy and consumption level are improving year by year, it is still difficult for many people to step into a "well-off" life. Many families may need loans to make ends meet. And some young people who live and work hard in the city may borrow money to buy a house. But not everyone is eligible for a loan. Next, Bian Xiao would like to introduce you to the requirements of Zaozhuang provident fund loan.

( 1)? Qualifications:

A natural person with full civil capacity.

Two, with Zaozhuang city urban permanent residence or valid residence status.

Three, with a fixed occupation and income, agreed to verify personal credit in the city center, personal credit is good, with the ability to repay the principal and interest on schedule.

Four, the borrower and the unit have established a normal housing provident fund deposit relationship with the city center, the deposit ratio is not less than 5%, and the monthly normal housing provident fund deposit for more than one year. The borrower and spouse failed to provide guarantee for others' housing provident fund loans.

V. The borrower has signed a real and legal house purchase contract or other valid documents. For the purchase of affordable housing (with a construction area of about 60 square meters), the down payment of more than 15% of the total purchase price has been paid; Purchase ordinary commodity housing (construction area less than 90 square meters), and have paid the down payment of more than 20% of the total purchase price; For the purchase of commercial housing (with a construction area of over 90 square meters), the down payment of over 30% of the total purchase price has been paid. The last payment time agreed in the house purchase contract shall not exceed 12 months from the date of loan application, and the original and photocopy of payment receipt or invoice shall be provided at the same time.

? (2)? Key support:

1. Employees who have purchased self-occupied housing in Zaozhuang City and have entrusted a bank to handle personal housing loans in the downtown area, but the loans have not been paid off, and the purchased houses have been handled with real estate licenses, can apply to a commercial bank for housing loans to be converted into provident fund loans with the housing ownership as collateral and the guarantee company as guarantee, and the refinancing funds can be directly used to settle the loans of commercial banks.

Second, employees who buy self-occupied housing in Zaozhuang city do not have the mortgage guarantee conditions at different stages of housing provident fund loans. They can apply for mortgage provident fund loans with house ownership as collateral, and entrust the guarantee company to do the whole guarantee.

(3)? Must submit:

1. Guarantee company guarantee: The borrower signs a mortgage contract with the guarantee company with the house with valid property rights recognized by the downtown and the guarantee company as the mortgage, and the guarantee company provides the borrower with joint liability guarantee of full principal and interest.

2. Credit guarantee: The borrower proposes a third person who has established a normal deposit relationship with the city center and has sufficient compensation capacity as the guarantor, and the guarantor provides the borrower with a joint liability guarantee of full principal and interest.

Three, during the loan period, the guarantor can not be replaced in principle. If the guarantor loses the guarantee qualification, the borrower shall apply for the replacement of the guarantor in the city center within one month. After the consent of the city center, the borrower and the guarantor shall go through the formalities for changing the guarantee at the entrusted bank.

Query tool

Description of inquiry tool for provident fund loans:

By using the provident fund loan filter, we can learn more about the policies and repayment of provident fund loans.

Operating steps of provident fund loan inquirer:

Step 1: Fill in the basic information of provident fund loan according to the prompt;

When users apply for provident fund loans, when inquiring about provident fund loans, they need to choose whether to introduce a guarantee company to undertake phased guarantee responsibilities, whether it is a first-hand house or a second-hand house (introducing a guarantee company can enable the seller to obtain all the funds after the transfer);

Step 2: After completing the above operation steps, the user clicks the "Query" button;

Under normal circumstances, the borrower of provident fund loan needs the provident fund management center to undertake the guarantee when handling the provident fund loan, and the borrower needs to pay the guarantee fee.

loan limit

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 600,000 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). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.

Zaozhuang provident fund loan must meet the above requirements, otherwise it will not succeed. Finally, Bian Xiao wants to express his views on credit. Credit is not only a very important requirement in loans, but also very important in getting along with people. If people have no credit, it is difficult to make sincere friends. Therefore, even if you don't want to succeed in the loan, you should maintain good interpersonal relationships and not break your promise!

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