Where can I buy a house from Chengdu Hi-tech Zone Provident Fund? Chengdu Hi-tech Zone Provident Fund Loan.

How to borrow Chengdu housing provident fund loan?

To apply for a loan, the borrower must fill in a written application in a bank entrusted by Chengdu Provident Fund Center and submit the following materials:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(6) Other materials required by Chengdu Provident Fund Center.

For the loan application with complete information, the entrusted bank shall accept the examination in time and submit it to Chengdu Provident Fund Center in time.

Chengdu Provident Fund Center is responsible for approving loans and informing the entrusted banks of the approval results in a timely manner.

The entrusted bank shall notify the applicant to handle the loan formalities according to the examination and approval results of Chengdu Provident Fund Center, and send the loan contract and other formalities to Chengdu Provident Fund Center for examination and approval. After the approval of Chengdu Provident Fund Center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

The loan funds shall be transferred to the special account for selling houses opened by the selling unit in the bank in the name of the borrower's purchase price; If it is a re-traded housing loan, the loan funds must be transferred to the special account opened by the housing transaction intermediary agency entrusted by Chengdu Provident Fund Center, and then paid to the seller according to relevant regulations.

I. Housing Provident Fund Individual housing loans are divided into individual housing pure provident fund loans and individual housing portfolio loans.

1. Personal housing pure provident fund loans are issued to employees who have paid housing provident fund to purchase housing consumption loans for self-occupied housing.

2. Personal housing portfolio loan refers to that when an individual applies for a housing provident fund loan that is insufficient to pay the purchase price, the insufficient part applies to the bank for a commercial housing loan, referred to as portfolio loan.

Second, the loan amount:

(a) individual housing pure provident fund loan amount must meet the following conditions.

1. The maximum amount of a single housing provident fund loan is 400,000 yuan;

2. The maximum loan ratio shall be subject to the agreement signed between Chengdu Housing Provident Fund Center and the developer;

The formula for calculating the maximum loanable amount is: the sum of the individual monthly contributions of the borrower and spouse to the provident fund ÷ the actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period (the longest loanable period).

If the deposit ratio between husband and wife is inconsistent, the actual deposit ratio shall be determined according to the higher ratio.

3. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse.

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).

4. If the spouse of the loan applicant is the same as the borrower of the housing provident fund, he can participate in the calculation of the loan amount of the provident fund.

For loan applications that meet the above conditions, Chengdu Provident Fund Center will determine the final loan amount after comprehensive evaluation according to the credit status of the loan applicant and other factors.

(2) The loan amount of individual housing portfolio must meet the following conditions.

1. Not exceeding 70% of the total value of the purchased house;

2. The proportion of real estate expenditure to income shall not exceed 50% (including 50%);

Calculation formula: (monthly repayment amount of the loan, monthly property management fee)/monthly income.

The proportion of total debt expenditure to income shall not exceed 55% (including 55%).

Calculation formula: (monthly repayment of the loan, property management fee and other debts)/monthly income.

For individual housing portfolio loan applications that meet the above conditions, banks and provident fund centers will comprehensively evaluate the credit status of loan applicants and determine the final loan amount.

Does anyone know where to apply for Chengdu _ Chengdu provident fund loan?

Hello, Chengdu Provident Fund loan needs to be handled at Chengdu Provident Fund Management Center or loan bank. You can refer to: 1. Service address of the local service hall: Floor 2, No.28 Real Estate Building, Renmin Middle Road 1, Qingyang District, Chengdu.

2. Service address of Chengnan Service Hall: Renju Real Estate 1 Building, No.965 Jincheng Avenue, Chengdu High-tech Zone.

3. Service Address of Chengbei Service Hall: Floor 4 and Floor 5, No.32, North Section 2, First Ring Road, Chengdu

4. East Service Hall Service Address: Floor 2 1 North of Huimin Workers Mass Service Center of Chengdu Dongjiao Federation of Trade Unions, No.3 Jianshe South Road.

5. Service address of West Service Hall: 3rd floor, Cultural and Sports Center of Working People's Cultural Palace, Qingyang Avenue 129, Chengdu.

(For a more detailed address, please visit official website-Convenience Service-Convenience Tools-Service Network of Chengdu Provident Fund Management Center. )

Handling process: the loan applicant fills in a written loan application at the Chengdu Provident Fund Center or the loan acceptance branch of the loan bank, and submits the application materials → the loan acceptance branch conducts acceptance, investigation and preliminary examination → the Chengdu Provident Fund Center conducts examination and approval → the loan bank and the loan applicant go through loan procedures such as signing a loan contract → the Chengdu Provident Fund Center conducts examination and approval → the loan bank issues the loan → the loan bank informs the borrower to receive the loan contract.

Chengdu Provident Fund adjusted the maximum loan for husband and wife to 700,000 yuan.

It is understood that the Chengdu Provident Fund was officially adjusted in June, and the most important parts include:

The longest period for individuals to apply for provident fund loans has been increased from 20 years to 30 years;

There was no difference in previous loans, and the model of 600,000 yuan was replaced by the differentiated loan model: the personal provident fund loan amount was 400,000 yuan; The loan amount for dual employees and above is 700,000 yuan;

Adjustment of linked multiple: the linked multiple of loan funds and deposit balance is adjusted from the previous 30 times to 20 times.

Difference in loan amount

After this revision, families with both husband and wife contributing to the provident fund can apply for a loan of 700,000 yuan, while individuals can only borrow 400,000 yuan. Differentiated loan amount embodies the principle of fairness.

When the loan amount increases, there is no need to worry about the increase in monthly payment, because the loan period has been increased from 20 years to 30 years, but it does not exceed the statutory retirement age.

For example, if you choose to repay the principal and interest in the same amount, you need to repay 3,970 yuan per month based on the loan of 700,000 yuan for 20 years. If you choose a loan for 30 years, you only need to repay 3046 yuan per month, and the monthly repayment amount is reduced by more than 900 yuan, and the monthly burden of buyers has not increased much.

The hook multiple is adjusted to 20 times.

Another problem is the hook multiple. Previously, Chengdu Provident Fund had a "guaranteed loan" policy. If the balance of the provident fund account is less than 1 0,000 yuan, you can borrow 300,000 yuan without multiple restrictions. Now this policy has been cancelled.

It is fairer to adjust the loan amount to 20 times of the deposit balance.

It is more convenient to withdraw the provident fund.

Our policy is that employees and their spouses can apply for withdrawal if they rent a house in Chengdu as long as they don't have their own houses in this city and have paid the provident fund for more than 3 months. The withdrawal amount shall not exceed 50% of the current deposit balance, the annual withdrawal amount shall not exceed 1.5 million yuan in urban areas and high-tech zones, 1.2 million yuan in the second floor and Tianfu New District, Chengdu Zhiguan District and Xinjin County, and 9,600 yuan in the third floor.

The required materials are also greatly simplified, only employees need to bring their ID cards, and there is no need for rental filing vouchers or lease agreements.

Can Chengdu provident fund loan be done on weekends? Working hours and telephone introduction!

Although the house price is still high, there are still many people buying houses. Most people will choose provident fund loans, which is one of the lowest ways of mortgage interest. However, the provident fund loan process is complex and takes a long time, and buyers often need to run the provident fund center. For office workers, I hope I can do it on weekends, so I don't have to take time off. Today, take Chengdu as an example to introduce the working hours, telephone number and address of the provident fund center.

I. Processing time

1, Monday to Friday 09:00-65438+ 02: 00 pm:13: 00-65438+07: 00 pm;

2. Processing time of delayed service: Monday to Friday, time:12: 00-13: 00; Saturday, time: 09: 00- 17: 00

Remarks: The service halls in Pujiang, Dayi, Jintang, Chongzhou, Dujiangyan, Qingbaijiang, Qionglai, Pengzhou and Xinjin shall be reserved.

It can be seen that business is basically not handled on weekends, but some areas can handle provident fund business on Saturdays. You can call in advance for consultation.

Second, the consultation telephone number

Customer service telephone number: 028- 12329

Other consultation methods: Sichuan government service network 12345 online consultation.

Complaint Tel: 028-86279099

Other supervision methods: online complaint of Sichuan government service network 12345.

Three. Chengdu provident fund location

No.28, Section 1, Renmin Middle Road, Qingyang District, Chengdu, Sichuan Province

City service hall, address: window on the second floor of real estate building, No.28 Renmin Middle Road, Qingyang District, Chengdu, Sichuan Province 1- 16.

Chengnan Service Hall, Address: 65438th Floor, Renju Real Estate, No.965 Jincheng Avenue, Chengdu High-tech Zone 1- 10 Window.

Address of Chengbei Service Hall: Window 32 1-6, North Second Section, First Ring Road, jinniu district, Chengdu, Sichuan.

Address of the East Service Hall: the first and second floors of the north side of the Huimin Service Center for workers in the eastern suburbs of Chengdu Federation of Trade Unions, No.3 Jianshe South Road, Chengdu/window KLOC-0/-6.

Address of West Service Hall: Window 5-8, 3rd Floor, Cultural and Sports Center of Chengdu Working People's Cultural Palace, Qingyang Avenue 129, Chengdu

Where can I apply for Chengdu provident fund loan?

Chengzhong service hall

Address: Windows 63-69 on the first floor and 80-89 on the second floor (temporary) of the accreditation hall in Area A of the real estate sub-center at No.32 Xihuamen Street, Qingyang District, Chengdu.

Tel: 028-86279227

Chengnan service hall

Address: Renju Real Estate 1 F, No.965 Jincheng Avenue, High-tech Zone, Chengdu

Tel: 028-85324726

Chengbei service hall

Address: No.32, North Second Section, First Ring Road, jinniu district, Chengdu, Sichuan

Tel: 028-86436775

Chengdong service hall

Address: Floor 1 and Floor 2, north of Huimin Staff Service Center in the eastern suburb of Chengdu Federation of Trade Unions, No.3 Jianshe South Road, Chengdu

Tel: 028-84350774

Chengxi service hall

Address: Qingyang Avenue, Chengdu 129 3rd Floor, Cultural and Sports Center, Chengdu Working People's Cultural Palace.

Tel: 028-64064608

Longquan management department

Address: Beijing Road 155, Longquanyi District

Tel: 028-84854 180

Qingbaijiang management division

Address: Floor 2, qingbaijiang district Municipal Affairs Service Center, No.6 Convenience Road, qingbaijiang district.

Tel: 028-83611321

Xindu management department

Address: 4th Floor, Zone A, New Government Affairs Center, Yu Ying Road, Xindu District.

Tel: 028-83995 136

Wenjiang management department

Address: No.89, Middle Section of Fengxi Avenue, Liucheng Town, Wenjiang District

Tel: 028-8272806 1

Shuangliu management department

Address: No.4 Section of Yinhe Road, Dongsheng Street, Shuangliu District 100

Tel: 028-858 15585

Jianyang management department

Address: jianyang city Government Affairs Service Center 1 Building, Renmin Road, Hedong New District, jianyang city.

Tel: 028-27028993

Dujiangyan management department

Address: Floor 2, No.0/5, South Section of Rainbow Avenue, Dujiangyan.

Tel: 028-87290 123

Pengzhou management department

Address:No. 1 13, Xinkang Road, Tianpeng Town, Pengzhou

Tel: 028-83885794

Qionglai management department

Address: No.0/09, East Street, Qionglai City

Tel: 028-88764330

Chongzhou management department

Address: No.58, South Zhou Shu Road, chongzhou city

Tel: 028-823 1387 1

Pidu management division

Address: Heping Street 139, Pidu District

Tel: 028-87864707

Jintang management department

Address: No.27 Jinzhong Road, Zhao Zhen, Jintang County

Tel: 028-84997702

Dayi management department

Address: 5th Floor, China Construction Bank Building, West Street, Jinyuan Town, Dayi County.

Tel: 028-882969 12

Pujiang management department

Address: Floor 2, China Construction Bank, No.3 Heshan North Road, Heshan Town, Pujiang County.

Tel: 028-88554268

Xinjin management department

Address: Wujin North Road 1 Xinjin County

Tel: 028-82523 108

What are the provident fund loan policies in Chengdu?

In recent years, the real estate industry has been rising, and it is not easy for many young people to buy a house. In order to buy a house, they had to borrow money from their parents' bank. Let's take a look at the provident fund loan policies in Chengdu and Bian Xiao.

Chengdu provident fund loan policy

1, loan term, from June 6, the loan term was changed from the original 20 years to 30 years.

2. Loan amount. From June 6, the maximum amount of husband and wife provident fund loans was changed from 600,000 to 700,000, and the amount of personal provident fund loans remained at 400,000.

3. Loans have multiplied. The original balance of the provident fund account was 20 times, and now it is 30 times.

Provident fund withdrawal business process

1, withdrawal of provident fund, no unit certificate is required.

2, owing on the loan extraction, the same housing does not need to provide a purchase contract.

3. Adjusted the items of business audit materials.

4. Withdrawing the provident fund after leaving the company is the proof that it is no longer necessary to terminate the labor relationship.

5. For employees with sealed accounts, account cancellation information needs to be adjusted.

6, extract major diseases, no longer need to prove serious difficulties in life.

Hong Kong, Macao and Taiwan compatriots enjoy housing provident fund treatment in Chengdu.

Compatriots from Hong Kong, Macao and Taiwan who have paid the housing provident fund can withdraw the individual housing provident fund and apply for individual housing loans from the housing provident fund, just like the employees who have paid in the Mainland. Chengdu does not refuse provident fund loans to buy a house. The biggest use of provident fund is to apply for a loan when buying a house.

Housing provident fund loan conditions?

1. The borrower must have a town account; I want to pay the housing accumulation fund on time in this city for more than one year.

2. Have a stable professional income, good credit and the ability to repay loans.

Summary: Chengdu provident fund loan policy. Loan Term: From June 6th, the loan term will be changed from 20 years to 30 years. Loan amount. From June 6, the maximum amount of husband and wife provident fund loans was changed from 600,000 to 700,000, and the amount of personal provident fund loans remained at 400,000. Loans have multiplied. The original balance of the provident fund account was 20 times, and now it is 30 times.

Let's stop here for the introduction of provident fund loans in Chengdu High-tech Zone.