What is Tianjin's provident fund loan policy?

Public housing includes directly managed public housing and enterprise real estate. The replacement (transfer) process of directly managed public ho

What is Tianjin's provident fund loan policy?

Public housing includes directly managed public housing and enterprise real estate. The replacement (transfer) process of directly managed public housing is consistent, and all chain stores of Tianjin Jinfang Replacement Co., Ltd. can handle it. Then, what is Tianjin's public housing loan policy?

What is Tianjin's provident fund loan policy?

1. What conditions can I use public easy loans?

1. Borrower's conditions

(1) The borrower must be at least 18 years old, have full capacity for civil conduct and be able to provide legal and valid identification;

(2) The borrower is limited to Tianjin residents, and has a town in this city other than agricultural registered permanent residence;

(3) The borrower has a legitimate occupation and stable income, and has the ability to repay the principal and interest of the loan on schedule, and can provide corresponding income certificates or asset certificates;

(4) No bad credit records and related civil disputes and criminal cases;

(5) The main borrower must be the new lessee who purchases public housing.

2. Conditions of mortgage house

(1) Private houses within the administrative area of Tianjin (bungalows are not allowed)

(2) Dual-use, commercial and non-residential houses cannot be used as collateral.

(3) The age of private houses in six districts and Tanggu District of the city cannot exceed 30 years.

(4) The age of private houses in other parts of Tianjin cannot exceed 20 years.

(5) Houses in special areas cannot be built (some buildings in Xiqing Li Zhongsheng are affordable houses in the Airport Economic Zone, etc. )

Note: The age of private property housing is subject to the years issued by the appraisal report.

3. The status of the house purchased

Note: The purchased house must be public property or enterprise property (bungalows are not allowed), and public property or enterprise bottom business cannot be used for public easy loans.

(1) Purchase the right to use public housing in Tianjin to replace the directly managed housing;

(2) Purchase houses under the jurisdiction of cooperative enterprises and production units for the replacement of housing use rights in Tianjin housing replacement;

(3) Purchase all the transferred housing (public property and enterprise property) replaced by Tianjin housing;

(4) Some non-cooperative enterprises: Fangxin No.1 Middle School, Fang Xin No.2 Middle School, Fang Xin No.3 Middle School, Fang Xin No.8 Middle School, Xijian Housing Management Office, Nankai Jianfa, Xiangtan Real Estate, Hong Qiang Real Estate, Hengqiang Real Estate Transfer Enterprise (Sanhuan Construction, China Storage Nancang Branch, Printing and Dyeing Factory, Jin Xin, Agricultural Machinery Corporation) and Henghua Real Estate Transfer Enterprise (Jinxiang Real Estate).

Second, the loan policy.

1, loan amount

(1) shall not exceed 70% of the appraised value of the mortgaged house; If the room age exceeds 20 years, the maximum value shall not exceed 60% of the assessed value;

Appraisal value of mortgaged house: take the appraisal value of mortgaged house from the channel appraisal institution of Sino-German Bank;

Sino-German Bank has the right to decide the final price of houses that deviate from the market value.

(2) The value of the right to use the purchased public housing does not exceed 70% of the value of the right to use the purchased public housing: the lower value between the housing transaction price and the housing appraisal value is taken.

Note: Of the above two conditions, 1 and 2, the lowest value is the final mortgage loan amount of the bank. Commercial and residential dual-use houses and bottom businesses cannot be used as collateral.

2. Term of loan

(1) The longest loan period is 25 years.

(2) Mortgaging private property (six districts in the city and Tanggu District)+loan period ≦50 years.

Mortgage private property (other areas) room age+loan period ≦40 years.

(3) The borrower's age+loan period ≦75 years (the loan period is 75 years, which needs to be approved by the bank due to the nature and age of the customer's work).

3. Loan interest rate

Customers enjoy the benchmark interest rate increase of 20%, and the Sino-German housing savings contract section enjoys the benchmark interest rate increase of10%;

4, the cost of the loan

(1) Service fee: 2% of the loan amount.

(2) Collection and evaluation fee: