What are the requirements for credit reporting of housing provident fund loans in Ya 'an City, Sichuan Province?

1. What are the requirements for credit reporting of housing provident fund loans in Ya 'an City, Sichuan Province?

I. Materials required for housing provident fund loans:

Household registration books of the borrower and his spouse;

Borrower and;

Proof of the marital status of the borrower;

Proof of down payment for house purchase;

Proof of income;

Credit status report of the borrower and his spouse printed by the bank;

Housing sales contracts or agreements that comply with the law.

Second, the housing provident fund office

Individuals and their units must continue to pay housing provident fund for one year;

The borrower has stable economic income and good credit;

Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Three, the housing provident fund management process:

The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;

Loan confirmation and audit;

After the audit, the loan bank contacts the lender and signs the relevant contract;

For bank loans, the lender shall fulfill the repayment obligation.

Four, housing provident fund loans query method:

Most banks' monthly payment cards can be found on online banking after opening online banking;

Inquire through telephone banking 95 customer service;

Check the personal credit report, which will also show the loan balance. With my ID card, go to the bank to inquire about the loan manager;

If you have a clear understanding of interest rate adjustment, you can also set up a professional loan calculator to calculate the monthly payment yourself.

2. When handling the housing accumulation fund, does the bank have the requirement to inquire about the number of times other institutions collect credit information?

not have

Three. Requirements for credit information extraction of provident fund

Legal subjectivity: no need to inquire about credit information. In any of the following circumstances, employees can withdraw the storage balance in the employee housing provident fund account: purchase, construction, renovation or overhaul of their own houses; Repay the loan principal and interest for the purchase and construction of owner-occupied housing; Rental of self-occupied housing, the rent exceeds a certain proportion of family wage income; Retired; Leave the country and settle down. According to Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the storage balance in their housing provident fund accounts under any of the following circumstances: 1, purchase, build, renovate or overhaul their own houses; 2. Repay the principal and interest of the loan for the purchase and construction of owner-occupied housing; 3. Renting self-occupied housing, and the rent exceeds a certain proportion of family wage income; 4. Retired; 5. Go abroad to settle down; 6. The employee dies or is declared dead; 7. Enjoy the urban minimum living guarantee; 8, completely or partially lose the ability to work, and terminate the labor relationship with the unit; 9. Other circumstances stipulated by the CMC in accordance with relevant laws and regulations.

Legal objectivity: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

4. What are the requirements of provident fund audit for credit reporting?

Provident fund audit has requirements for credit reporting. If there is a problem with personal credit information, it is usually not approved to apply for a house loan from the bank with the provident fund, so the provident fund audit has requirements for credit information.