Shanghai provident fund loan for foreigners

What are the conditions for foreign hukou to buy a house in Shanghai for provident fund loans?

20 14 conditions for foreigners to buy a house in Shanghai

1, and has been paying social security for more than 2 years in Shanghai.

2. Married.

20 14 provident fund loan conditions and procedures

First, the application conditions of Shanghai provident fund

Apply for a loan for six months before the normal continuous deposit of the city housing provident fund.

The payment for goods paid by self-owned funds shall not be less than 20%.

Have a stable economic income and repayment ability.

There are no outstanding debts that may affect the loan repayment ability.

As long as the loan applicant meets the above conditions, he can obtain the qualification of housing provident fund loan without household registration restrictions.

It is suggested that one of the husband and wife has applied for a housing provident fund loan, and neither husband nor wife can obtain a housing provident fund loan until the principal and interest of the loan are paid off.

Second, the Shanghai provident fund loan amount

The maximum loan amount of housing provident fund for purchasing ordinary self-occupied housing.

First purchase

The per capita area is less than 33.4㎡/ person's second purchase of improved housing.

Second purchase of non-improved housing

In principle, a person can borrow 40 times the balance of the basic provident fund account and 20 times the housing provident fund for the first suite, and the total of the two cannot exceed 400,000.

The actual loan amount can be directly consulted at the counters of several outlets of Shanghai Housing Property Rights Guarantee Center, and the results are authoritative and accurate.

The loan term of the first-hand house includes the second-hand house for 30 years, and the second-hand house 15 years.

The loan interest rate is 4.5% for loans over five years.

Third, the Shanghai provident fund loan processing process

1. Apply for a pure provident fund loan at the Shanghai Housing Property Guarantee Corporation.

2. Go to the housing security center to sign the loan agreement one week later, and both the buyer and the seller should be present.

It takes two weeks to wait for approval. After approval, the main lender will be notified by SMS.

4. Go to the real estate trading center to handle the property right transfer within 10 working days after receiving the SMS notification.

5, the real estate trading center for mortgage registration.

6. Bank loans to sellers

7. After the data is settled, the title certificate and loan certificate delivered by the guarantee center will be received about days after the transfer date.

Four, Shanghai provident fund loans and repayment principles

Although you can apply for a provident fund loan in the name of one person, the provident fund between husband and wife is tied, and the person who participates in the loan cannot apply for a personal provident fund loan again before paying off.

Those who have participated in provident fund loans cannot apply for personal provident fund loans again before they are paid off.

Husband and wife are directly related by blood, and provident fund loans can be repaid with provident fund.

Five, provident fund loan fees

The agency service fee shall be paid to 300 yuan in one lump sum.

For the guarantee fee, see the standard of guarantee fee.

The appraisal fee is calculated at 0. 1% of the appraisal price of the house. If the loan amount of the second-hand house before 1990 (inclusive) exceeds 30% of the total house price, and the loan amount of the second-hand house after 1990 exceeds 50% of the total house price, the house will be appraised by an appraisal company recognized by the agency.

I have no provident fund for housing loans from foreigners in Shanghai. Can I use the family provident fund?

Hello, according to the regulations of Shanghai Housing Provident Fund Management Center, foreigners can use the provident fund loan at home to buy a house in Shanghai. However, the family's provident fund can only be used to buy a house, not to buy multiple houses, nor to buy commercial housing. In addition, the family's provident fund can only be used to buy a house, not to buy shops, parking spaces and other real estate.

In addition, the minimum amount of provident fund loans for family members is 2 million yuan, the maximum amount is 5 million yuan, and the longest loan period can reach 30 years. The loan interest rate shall be implemented in accordance with the regulations of Shanghai Housing Provident Fund Management Center.

In short, foreigners who buy a house in Shanghai can borrow from their family's provident fund, but they should pay attention to the requirements of loan amount, loan term and loan interest rate.

Foreigners buy a house in Shanghai, and the social security fee is not deducted. Can provident fund loans be approved?

Of course. Foreigners can apply for provident fund loans when buying a house in Shanghai, but they need to meet certain conditions, such as stable income, sufficient repayment ability and adequate protection. In addition, when applying for provident fund loans, social security fees must also be paid, so foreigners need to go through social security payment procedures before applying for provident fund loans.

Can Shanghai Provident Fund borrow money from different places to buy a house?

If you still work in Shanghai, you can't use the provident fund loan paid by Shanghai to buy a house in other places. If you are no longer working in Shanghai, it is suggested to handle the transfer and connection business in different places through the national housing provident fund transfer and connection platform.

The materials required for business application shall be provided in accordance with the provisions of the provident fund management centers of other provinces and cities. After receiving the letter from other provinces and cities' provident fund centers through the platform, Shanghai Provident Fund Center will review and confirm, and transfer the personal account funds of employee housing provident fund to other provinces and cities' provident fund centers through bank transfer.

Legal basis:

Interim Measures of Shanghai Municipality on the Administration of Individual Housing Provident Fund Loans in Different Places Article 2 Individual housing provident fund loans in different places refer to individual housing provident fund loans applied by employees who have paid housing provident fund in other provinces and cities in this city, or provident fund loans applied by employees who have paid housing provident fund in this city in other provinces and cities when they buy their own houses in other provinces and cities.

Article 11 Employees who deposit in this city need to apply for provident fund loans in other provinces and cities. If my spouse and I have never used provident fund loans in this city or the first provident fund loan has been settled, they can apply to the management departments of each district of this city's provident fund center for issuing certificates of deposit and use.

Can foreign housing accumulation fund buy a house in Shanghai?

In Shanghai, you can use the provident fund to buy a house in a foreign country, which is a foreign provident fund loan. Provident fund loans in different places shall be handled according to the following procedures: 1. The loan city provident fund center accepts the consultation of employees' loan business in different places, and informs them of the audit materials required for the loan at one time. 2. The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit loan according to the employee's application. For employees who have not used housing provident fund personal housing loans or used housing provident fund personal housing loans for the first time, 3. The paid employees have been settled, and the certificate of deposit and use of housing provident fund for employees with loans from different places has been issued. 4. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. 5. If it is verified, the loan approval procedures shall be performed within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. "Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

What are the application conditions for Shanghai provident fund loans in different places?

I. Application conditions

1. The loan applicant or employees who have paid the housing provident fund in other provinces and cities normally (except those who have voluntarily paid in other provinces and cities), and the applicant or one of them who has paid in other provinces and cities and borrowed in this city is regarded as a loan from another place;

2. Meet the conditions of China and the city's real estate-related laws and regulations;

3. The family of the loan applicant and the family of the same loan applicant have no or only one historical provident fund loan in the country;

4. The loan applicant and the * * * loan applicant must be the property owners who purchase the self-occupied housing with ownership in this city, and can provide relevant contracts or certificates, identity certificates, down payment certificates and other materials that meet the requirements;

5. Workers from other provinces and cities who have paid housing provident fund apply for provident fund loans in this city, and they need to meet other conditions of this city's provident fund loan conditions and the municipal provident fund management committee or the municipal provident fund center.

Second, the handling place

Shanghai zhongfang real estate financing co., ltd. residential business department.

Third, the handling requirements

1. certificate of provident fund in different places: the original certificate of deposit and use of housing provident fund for employees with loans in different places, and the original details of provident fund deposit stamped with the seal of the local provident fund center;

2. Deposit the original identity documents of employees and spouses in different places, and fill in the "Personal Credit Information Inquiry Authorization";

3. Marriage certificate: employees who deposit in different places provide the original and photocopy of marriage certificate for married people; Singles need to fill out a single commitment letter.

IV. Personnel present:

Deposit employees and spouses in different places.

If you can't be present, you need to provide the notarial certificate issued by the notary office (the notarial certificate should be related to the entrusted matters) and the original ID card of the trustee.

Verb (short for verb) handler

Submit the application for review-review the use certificate of deposit in different places-inform the review result-handle the provident fund loan.

Sixth, the processing time limit

The application materials are complete, and the examination time limit of deposit and withdrawal vouchers in different places shall not exceed 7 working days.

Here is the introduction of Shanghai provident fund loans from foreigners.