Fully understand the whole process of Zhongshan provident fund loan.

Provident fund attracts many buyers with its absolute advantage of low interest rate. Attention, friends of Zhongshan citizens, here is a complete process of Zhongshan provident fund loan. Take it away. Provident fund attracts many buyers with its absolute advantage of low interest rate. Attention, friends of Zhongshan citizens, here is a complete process of Zhongshan provident fund loan. Take it away.

(1) loan object

1, the depositor of housing provident fund within the administrative area of this Municipality;

2 registered workers in our city who have paid housing provident fund in their places of employment;

3. Employees who have paid housing provident fund in various cities (Guangzhou, Foshan, Dongguan, Zhuhai, Huizhou, Jiangmen and Zhaoqing) signed the Guangdong Pearl River Delta Urban Provident Fund Loan Cooperation Agreement.

(2) loan conditions

1. The borrower has good credit, stable family income and the ability to repay the principal and interest of the loan.

2, continuous normal deposit of housing provident fund for more than 6 months (inclusive), and housing provident fund personal account at least 5 times the balance of the application month.

3. At present, the personal account status is normal.

4, stop paying provident fund for more than two months, must be in accordance with the standards approved by the management center for more than half a year.

5. It must be the owner of the purchased house.

(3) loan amount

1. The maximum amount of housing loan for each depositor of the housing provident fund is now set at 350,000 yuan, and two or more depositors can apply for 800,000 yuan to purchase a single house.

2. The purchase of housing by personal housing loan from housing accumulation fund is limited to the purchase of ordinary self-occupied housing with the building area of Xing Tao 144 square meters or the interior area of 120 square meters (inclusive).

3. villas, townhouses and single-family houses do not accept provident fund housing loan applications; Applications for provident fund housing loans will not be accepted if the existing houses (houses with real estate licenses) are older than 30 years, and those with mixed structures are older than 20 years.

4. The monthly repayment of principal and interest shall not exceed 50% of the applicant's income.

5. Still a high-level talent in Zhongshan City? New 300? Among the backbone enterprises to be cultivated, those who belong to Document No.7 of the Central Committee [2010] and are listed in the Directed Catalogue for Training Imported Talents in Zhongshan City and have a bachelor's degree or above; Intermediate or above professional and technical titles; Persons who have obtained the professional qualification certificate of senior engineer or above; Persons with special skills who have worked in our city for 1 year (based on the time when they participated in social insurance in our city) and have outstanding performance can apply for 20% of the first set of housing loans with the "Zhongshan High-level Shortage of Talents Certificate" or "Zhongshan Shortage of Talents Certificate" issued by the Municipal Human Resources and Social Security Bureau.

6. The loan height, down payment ratio and loan life shall be formulated by Zhongshan Housing Provident Fund Management Committee and adjusted with the adjustment of national policies.

(4) loan term

1, the long-term period of first-hand houses and second-hand houses is 30 years, and the long-term period of new construction and reconstruction of self-occupied houses is 20 years. Long-term overhaul of self-occupied housing 15 years and not exceeding the service life of the remaining land stipulated by the state.

2. The loan term is within the statutory retirement age of the applicant, that is, the male is over 60 years old; Female cadres at or above the county level and female professional and technical personnel with senior titles are over 60 years old, female cadres are over 55 years old and female employees are over 50 years old.

(5) loan type

1, pure provident fund loan.

2 portfolio loans, that is, the combination of provident fund loans and bank commercial housing loans.

(6) Types of loans

1. First-hand housing loan.

2. Second-hand housing loans.

3, construction, renovation, overhaul self-built housing loans.

(7) Loan interest rate

According to the current personal loan interest rate of housing provident fund stipulated by the People's Bank of China, and adjusted with the adjustment of national interest rate.

(8) Business Undertaking Bank

The loan business is entrusted to China Construction Bank Zhongshan Branch, China Industrial and Commercial Bank Zhongshan Branch, China Agricultural Bank Zhongshan Branch, China Bank Zhongshan Branch, China Bank of Communications Zhongshan Branch, China CITIC Bank Zhongshan Branch, Zhongshan Rural Commercial Bank Co., Ltd., China Postal Savings Bank Zhongshan Branch, Guangzhou Bank Zhongshan Branch and Shanghai Pudong Development Bank Zhongshan Branch.

(9) Penalty for breach of contract

1. The penalty interest for overdue repayment is calculated according to the high penalty interest rate announced by the People's Bank of China.

2, the loan principal and interest in arrears, through legal procedures to recover.

3. If the borrower has stopped paying the housing accumulation fund for more than 12 months (including 12 months), the entrusted bank has the right to terminate the loan contract in advance and recover the loan.

(10) loan processing flow

1. First-hand housing: Applicants must conduct personal qualification certification before purchasing first-hand housing and applying for provident fund loans. Applicants who deposit provident fund in this city only need to bring their ID card and provident fund co-branded card to the front desk of our center or office or the counter of the corresponding collecting bank, sign the Self-service Agreement of Zhongshan Housing Provident Fund Business, open the authority of personal online service hall, and obtain the account number and password of online service hall, then they can log in to the hall for personal qualification authentication. Applicants who deposit the provident fund in different places need to go to the front desk of the provident fund center for personal qualification certification with the deposit certificate and deposit flow (nearly six months) issued by the housing provident fund management center in the place of employment. After the qualification certification, you can get a certification code, which is valid for two months, and you can apply again after the expiration. The developer applies for a loan to the provident fund center online with the applicant's authentication code, and submits materials to the undertaking bank for relevant procedures.

2. Second-hand house: Before the real estate transaction is transferred, you should apply to the loan bank to evaluate the traded real estate. After the evaluation is completed, you should take the information needed to apply for the second-hand housing provident fund loan to the municipal housing provident fund management center for registration. After the application is accepted, the applicant will submit the required information to the entrusted loan bank for relevant procedures.

3. Construction, renovation and overhaul of self-built houses: If an applicant applies for a self-built housing provident fund loan, he/she shall apply to the loan bank for assessment of the collateral. After the assessment is completed, he/she shall bring the information required for the construction, renovation and overhaul of self-built houses to the municipal provident fund center or the service hall of each directly affiliated institution to apply for registration. After the application is accepted, the applicant shall submit the required information to the entrusted loan bank and go through the relevant formalities.

(1 1) query the website.

(12) personal housing loan process of provident fund

(13) Information required for handling the first-hand housing provident fund loan

1. Original legal identity certificate (resident ID card, military officer's card); If you are married, you must provide the original proof of your spouse's identity (resident ID card and military officer's card);

2. Original household registration book; If you are married, you must provide the original household registration book of your spouse;

3. Original proof of marital status (marriage certificate, declaration guarantee, property division agreement);

4. Original tax payment certificate;

5. A copy of the sales contract;

6. Copy of the first invoice issued by the developer (if you need to withdraw credit card paper or cash account number to provide the first receipt);

7. Bank passbook (card) for repayment;

8, provident fund joint card;

9. Personal credit report;

10, personal (family) house certificate issued by Zhongshan real estate rights registration management department.

1 1, Zhongshan housing provident fund policy personal housing mortgage loan application form (in duplicate);

12, Zhongshan Housing Provident Fund Loan Application Notice.

Note: For the provident fund in different places, the standard deposit certificate and deposit flow issued by the local housing provident fund management center (nearly half a year) are also required; And the registration certificate of real estate under the family name issued by the real estate rights registration administration department of the place where the household registration is located and the place where the deposit is made.

(14) Information needed for handling the second-hand housing provident fund loan

I. Borrower

1. Original legal identity certificate (resident ID card, military officer's card); If you are married, you must provide the original proof of your spouse's identity (resident ID card and military officer's card);

2. Original household registration book; If you are married, you must provide the original household registration book of your spouse;

3. The original proof of marital status (marriage certificate, certificate of no marriage registration record, property division agreement), and the certificate of no marriage registration record is valid for half a year;

4. Original tax payment certificate;

5. Evaluation report;

6. A copy of the sales contract;

7. Copy of the first invoice (if you need to provide the first receipt, you need to extract credit card paper or cash account number);

8. Bank passbook (card) for repayment;

9, provident fund joint card;

10, personal credit report;

1 1, personal (family) house certificate issued by Zhongshan real estate rights registration management department;

12, Zhongshan housing provident fund policy personal housing mortgage loan application form (in duplicate);

13, Zhongshan Housing Provident Fund Loan Application Notice.

Second, the seller

1. Original legal identity certificate of the property owner (resident ID card, military officer's card, passport, pass, etc. ).

2. Collection passbook (bank card);

3. Original and photocopy of real estate license and land certificate.

Note: If it is an off-site provident fund, the standard deposit certificate issued by the local housing provident fund management center must be provided; Bank deposit passbook certificate (bank certificate for more than half a year); And the registration certificate of real estate under the family name issued by the real estate rights registration administration department of the place where the household registration is located and the place where the deposit is made.

(15) Information required for handling loans for construction, renovation and overhaul of owner-occupied housing.

1. Original legal identity certificate (resident ID card, military officer's card); If you are married, you must provide the original proof of your spouse's identity (resident ID card and military officer's card); 2. Original household registration book; If you are married, you must provide the original household registration book of your spouse;

3. The original proof of marital status (marriage certificate, certificate of no marriage registration record, property division agreement), and the certificate of no marriage registration record is valid for half a year;

4. Original tax payment certificate;

5. Bank passbook (card) for repayment;

6. Evaluation report;

7, provident fund joint card;

8. Personal credit report;

9, construction land planning permit (applicable to new construction and renovation);

10, construction project planning permit (applicable to construction and decoration);

1 1. Construction permit for construction project (applicable to building and decoration);

12, house safety appraisal (applicable to overhaul);

13, construction application approval (applicable to construction and decoration);

14, budget report (sealed by the construction team);

15. If an assessment is required, provide an assessment report;

16, construction contract;

17. Business license and legal person identity certificate of the construction team (copy stamped with the official seal of the construction team);

18, land certificate;

19. Provide its own bankbook or receipt issued by the construction team (credit card paper or cash deposit slip is required);

20. When the land value is insufficient, provide the real estate license and land certificate of another house in the borrower's name as collateral;

2 1, Personal (Family) House Certificate issued by Zhongshan Real Estate Rights Registration Administration Department;

22, Zhongshan housing provident fund policy personal housing mortgage loan application form;

23 Zhongshan housing provident fund loan application notice.

Note: For the provident fund in different places, the standard deposit certificate issued by the local housing provident fund management center is also required; Bank deposit passbook certificate (bank certificate for more than half a year); And the registration certificate of real estate under the family name issued by the real estate rights registration administration department of the place where the household registration is located and the place where the deposit is made.

(16) processing basis

1, Regulations on the Management of Housing Provident Fund (Order No.350th of the State Council).

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

2. Relevant provisions of the Measures for the Administration of Housing Provident Fund in Zhongshan City (Zhongfu [2014] No.50).

Article 44

Workers who have paid housing provident fund may apply for housing provident fund loans to the Municipal Provident Fund Center when purchasing, building, renovating or overhauling their own houses.

The municipal provident fund center shall make a decision on whether to grant the loan within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the municipal provident fund center.

Time limit for processing:

Make a decision on granting or not granting the loan within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

Handling location:

Municipal Administrative Service Center, East District Office, Development Zone Office, Sanxiang Office and Xiaolan Office.