What are the application conditions and procedures for Hangzhou Talent Apartment?

1. What are the application conditions and procedures for Hangzhou Talent Apartment?

I. Application conditions for Hangzhou Talent Apartment

1. The applicant has worked in an employer in the area, signed a labor contract for more than 3 years (inclusive), paid the housing accumulation fund or social insurance premium continuously for more than 6 months (inclusive), or held the business license and tax payment certificate in the area 1 year or above (inclusive);

2. The applicant has the household registration of permanent urban residents in urban areas, or holds the "Zhejiang Residence Permit" (or "Zhejiang Temporary Residence Permit") issued by the urban public security organs within the validity period;

3. The applicant and family members have no room in the urban area (eight urban areas);

4. The applicant and family members meet other conditions stipulated by the government.

5. Entrepreneurial talents. The applicant has an intermediate (inclusive) or above professional title, or a senior (inclusive) or above professional qualification certificate, and must be included in the scope of the "Hangzhou High-tech Development Zone (Binjiang) Guidance Catalogue for the Development of Encouraged Professionals";

6. University graduates. Applicants must have graduated from university or master's degree or above within 7 years.

Second, Hangzhou Talent Apartment Application Process

1. For units and employees who meet the application conditions, the unit manager will download the Registration Form of Talent Apartment Lease and the list of application materials;

2. Prepare materials according to the list, and submit them to the street where the unit is registered and where the tax is paid for preliminary examination after completion;

3. After the street is confirmed by seal, the unit shall submit it to the talent apartment management audit department for audit, and the unit that has passed the audit shall sign a lease contract and a letter of commitment in duplicate with each party holding one copy. Party B is the unit, and individuals will not rent it for the time being without special reasons;

4. Party B shall hand over the key to the Property Management Office of Talent Apartment with the original lease contract. In principle, it is required to hand over the house within 3 days from the date of signing the contract.

2. Can Hangzhou apartment use provident fund loan?

Hello, to buy an apartment in Hangzhou, you can take the form of provident fund loan, as long as your provident fund balance reaches the standard, and then apply for provident fund loan when you buy an apartment, so that's fine.

Provident fund loans and commercial loans.

The meaning of provident fund loans and commercial loans

Housing provident fund loans are loans enjoyed by employees who deposit housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

Commercial loans, also known as personal housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use, and the legal loan interest rate is implemented.

The difference between provident fund loans and commercial loans

Difference 1: the loan interest rate is different.

The benchmark interest rate for commercial loans over five years is 4.9%, and the interest rate for provident fund loans over five years is 3.25%.

Difference 2: The loan ratio is different.

For the same house, if the first set of urban commercial loans can be 70%, then the first set of pure provident fund loans will be almost 80% at most.

Difference 3: The loan process is different.

To apply for a commercial loan, the loan must be reviewed before the transfer, and the provident fund loan is reviewed after the transfer.

Difference 4: The approval time is different.

It takes about 20 working days to approve commercial loans and 40 working days for provident fund loans. Commercial loans are faster than provident fund loans.

Difference 5: Different sources of loans

Commercial loans mainly come from public funds raised by commercial banks and other lending institutions, while provident fund housing loans are funds paid by provident fund depositors.

Difference 6: Different users.

Commercial loans are for all eligible members of the public, while provident fund loans are only for employees who pay provident fund.

Difference 7: Interest is used for different purposes.

The interest of commercial loans is the profit of commercial activities and belongs to relevant investors, while the interest of provident fund is used according to the policy and can only be used for the construction of affordable housing.

Difference 8: The examination and approval institutions are different.

Commercial loans are mainly approved by banks, which make decisions; The provident fund mortgage needs the approval of the provident fund management center, and the decision is made by the provident fund management center, and the bank is only the executing agency.

Difference 9: The year and quota are different.

Different cities, different banks and provident fund management centers have different regulations. Generally speaking, commercial loans can choose a longer and more flexible repayment period and a higher amount.

Difference 10: The second suite is different.

Commercial loans have more restrictions on the second home loan policy and higher interest rates; Provident fund loans are less affected by the second home loan policy and can also enjoy preferential interest rates.

To sum up, commercial loans and provident fund loans are not only different in interest rates, but also in auditing and second-home loans, which also reminds buyers that it is best to find a unit that can pay housing provident fund for you when looking for a job, so that you can have more choices when choosing loan methods.

3. Can Hangzhou apartment use provident fund loan?

Hello, it is ok to buy an apartment in Hangzhou and get a loan to make your provident fund balance reach the standard provident fund.

public

The meaning of provident fund loans and commercial loans

Housing provident fund loans are paid, and the state stipulates that all housing provident fund loans are related rules.

Commercial loans, also known as individual housing loans, are general interest rates purchased by commercial banks and housing savings banks approved by the People's Bank of China for urban residents.

The difference between provident fund loans and commercial loans

Difference 1: the loan interest rate is different.

The benchmark interest rate for commercial loans over five years is 4.9%, and the provident fund is 3.25%.

Difference 2: loan ratio

For the same house, if the first set of pure provident fund loans is so pure, almost all of them can be loaned to 80% at most.

Difference 3: The loan process is different.

To apply for a commercial loan, the loan must be reviewed before the transfer, and the provident fund loan is reviewed after the transfer.

Difference 4: At the time of ratification

It takes about 20 working days to approve commercial loans and 40 working days for provident fund loans. Commercial loans are faster than provident fund loans.

Difference 5: Different sources of loans

The source of commercial loans is mainly social public funds raised by commercial banks and other lending institutions, while the funds paid by provident fund housing users.

Difference 6: Different users.

Commercial loans are for everyone, and provident fund loans are only open to employees who pay provident fund.

Difference 7: Interest is used for different purposes.

The interest of commercial loans is the profit of commercial activities and belongs to relevant investors, while the interest of provident fund is used according to the policy and can only be used for the construction of affordable housing.

Difference 8: The examination and approval institutions are different.

Major banks for commercial loans; Provident fund mortgage needs the approval of the provident fund management center, and only the executing agency is decided.

Difference 9: The year and quota are different.

Commercial loans from different banks and different urban provident fund management centers can choose longer and more flexible repayment periods and higher quotas.

administrative region

Commercial loans have more restrictions on the second home loan policy and higher interest rates; The provident fund loans are subject to two preferential interest rates.

To sum up, commercial loans and provident fund loans not only have different interest rates, but also second-home loans, which also refer to the units where you pay the housing provident fund, so that you have more choices when choosing loan methods when buying a house.

4. Can I use provident fund loans for apartments?

You can't use provident fund loans for apartments.

Because the housing provident fund is aimed at housing, 40-year-old property apartments cannot use provident fund loans. The provident fund is mainly used to purchase, build, renovate and overhaul self-occupied houses, repay the principal and interest of home purchase loans, and subsidize the rent that exceeds the family wage income.

First, the provident fund can only be used for residential buildings, that is, the land is "residential land" and the land use period is 70 years. Usually single apartments, LOFT, office buildings and other houses. The nature of the land is "commercial service land", and the land use period is 40 years, so it is impossible to use provident fund loans. If the purchased apartment is a residential apartment with 70-year property rights, you can apply for a provident fund loan.

Second, the apartment loan processing

Before the apartment loan, it is necessary to know the purpose of the land for building property. If the property is commercial land, the property right of the apartment belongs to 40 years. If it is residential land, the property right of the house is 70 years. 40 years of land belongs to commercial land. You can only choose commercial loans when purchasing, but you can't use provident fund loans. In the loan, you don't enjoy the national first suite policy, you can only borrow 50%, and you need to prepare 50% down payment. If it is residential land, you can enjoy 70% of the first suite policy loan, and you only need to prepare 30% down payment.

Third, matters needing attention in buying an apartment

1, please pay attention to the property right of the house: commercial houses and houses are different, so when buying a house, you should pay attention to what kind of apartment you want to buy. According to the relevant regulations, the nature of the right to use the combined house is consistent with the land use right, and the nature of the commercial house is only residential land, commercial land and industrial land. Buyers only need to check the land use column in the land use certificate of the property, and it is clear at a glance whether it is residential or commercial.

2. Clarify the purpose of purchase: When buying an apartment, I suggest you first determine what you are buying an apartment for. If you want to buy an apartment for investment, you can choose a business apartment. Pay attention to whether the security system is perfect, the matching of the house and the surrounding traffic network are vertical when purchasing. If you live by yourself, I suggest you choose a residential apartment, because most commercial apartments are closed to natural gas and cannot meet the basic needs of life.

3. Pay attention to the surrounding environment and supporting facilities of the community: the environment of the community is very important, no matter whether the apartment is occupied or used for other purposes. When buying a house, buyers need to see whether the supporting facilities of the community can meet the needs of life, and whether there are basic supporting facilities for life near the community, such as supermarkets, vegetable markets and medical clinics.