Provident fund loan platform.

What are the popular properties in Kunming at present?

Can I use the provident fund loan?

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Nearly 40 properties that can apply for provident fund loans this time involve Wuhua, Panlong, Xishan, Guandu and Chenggong District. Among them, six projects including Jintai International Phase III, Forte Ji Yun, Zhong Jun Tianyu, Zhonghai Yuhuan Tianxia, Jiahu Xixiangyuan and Guangming Chen Chen all have existing houses (including high-rise buildings and residences). The lowest price is Guangming _ Chen in Chenggong District, with a unit price of 8300 yuan/square meter. Among other projects, some houses in the third phase of Jintai International are as low as 1.4 million yuan/square meter, and the prices of other houses are between 1.7 million yuan/square meter.

Smaller projects include: China Merchants Yonghe Mansion, Vanke City, September Mansion, Dahua Park Tianxia and China Communications Country Garden, which reflect beautiful houses. The housing area of these projects is less than 65,438+000 square meters. There are 13000- 13800 yuan/square meter houses for projects such as Zhonghai Yunzhu, China Merchants Yonghe Mansion, Dahua Park Tianxia and September Mansion.

The projects with larger area and higher price include: No.8 Shanhaiwan, Vanke 500 Li, Derun Xiangshan Mansion, China Shipping Yuhuan Tianxia, and the beautiful image of China Communications Country Garden.

The projects with villa products include: Derun Xiangshan House, Yicheng Jinchuan House, COFCO Hongyun, and Xiang Ying Beauty Hall. Among them, the unit price of COFCO Hongyun's house starts from 10000 yuan/square meter.

It should be noted that these properties are only a part, not all properties that can be purchased with provident fund loans in Kunming property market. The details are subject to the news from the sales department.

Answers to Hot Issues of Housing Purchase with Provident Fund Loan

Q: Is there any stipulation on the deposit base when using provident fund loans in Kunming?

A: There is no specific requirement, but the deposit base affects the repayment ability and loan amount. If the basic conditions are met, whether you can apply for a loan and how much you can apply for can only be known after submitting the materials for comprehensive review. The influencing factors include repayment ability, number of family dependents, family liabilities, down payment ratio, personal credit information and so on.

Q: Can I pay my own provident fund?

A: Individuals are temporarily unable to pay and apply for housing provident fund. Must be paid by the employee's own unit.

Q: Can I use the provident fund loan to pay the provident fund in other cities in Yunnan and buy a house in Kunming?

A: Those who meet the requirements can.

Q: What are the basic application conditions for purchasing first-hand houses and using provident fund loans?

A: Real estate developers need to sign a project cooperation agreement with the housing provident fund management center; According to the current policy, the employer has paid the individual housing provident fund for more than 6 months (inclusive) and opened an account for more than 6 months (inclusive). When applying for a loan, the provident fund is in a normal deposit state; Need to review 6 consecutive overdue records of personal credit information, with a total of 10 (no loan); The provident fund loan target is to purchase the first set of self-occupied housing and the second set of improved ordinary self-occupied housing (the down payment ratio of the first set of housing is not less than 20%; The down payment ratio of the second suite is not less than 30%), and families are not supported to purchase the third and above houses to apply for provident fund loans; There are no outstanding family provident fund loans.

Q: What banks in Kunming can handle provident fund loans and corporate portfolio loans?

A: According to Kunming Provident Fund Center, there are Agricultural Bank of China, Bank of China, China Construction Bank, ICBC, Rural Credit Cooperatives, China Everbright, CITIC, Postal Savings, Transportation, Huaxia, Fudian, China Merchants Bank and Guangfa (province).

Q: Can the provident fund paid in other provinces be loaned to buy a house in Kunming?

A: According to the current policy, employees who have paid provident fund outside the province cannot apply for provident fund loans in Kunming for the time being.

Q: I have applied for a provident fund loan. Can I increase the amount according to the latest standards?

Answer: If the provident fund loan has been accepted, the loan amount cannot be adjusted.

Q: Loans have been granted to individual employees. Can I change it into a dual-employee now?

A: No.

Q: If you pay the provident fund in Kunming, can you use the provident fund loan to buy a house in other cities in the province?

A: At present, the provident fund paid in Kunming can only be used within the jurisdiction of Kunming, and other places do not support it for the time being.

Q: How to determine the number of houses?

Answer: The number of housing units is determined according to the number of individual housing loans recorded in the credit report of the People's Bank of China at the time of loan application, the borrowing times of the Kunming housing provident fund integrated business system and the letter of credit submitted by the borrower for the actual number of housing units in the family.

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Editor: Wu

Final review: Zhou Jianjun.