Jingmen provident fund renovation loan

How to withdraw Jingmen provident fund?

How to withdraw Jingmen provident fund?

How to withdraw Jingmen provident fund? Jingzhou provident fund withdrawal refers to the behavior of employees to withdraw the balance stored in their housing provident fund accounts in accordance with regulations. You can only withdraw the provident fund once a year (that is, you can withdraw it after an interval of 12 months or more). How to withdraw Jingmen provident fund?

How to withdraw Jingmen Provident Fund 1

Extraction process

Step one:

Withdrawal application: individuals download the withdrawal approval form from the business hall of the Provident Fund Management Center or Jingzhou Provident Fund website, fill it out as required, and then send it to the unit for review and seal;

Step two:

Examination and approval: the completed Examination and Approval Form for Withdrawal, together with relevant information on the reasons for withdrawal, the original and photocopy of personal ID card, shall be submitted to the business hall of the Provident Fund Management Center for examination and approval. If the audit is true, the individual provident fund shall be accounted for;

Step 3:

Bank loan: entrust the bank to handle the transfer or payment.

What materials are needed?

1, 1 housing provident fund withdrawal application form;

2. Employee ID card and its copy 1 copy;

3. The employee's own housing provident fund joint card (the housing provident fund card provides no joint card);

4. If the above-mentioned 1-3 extraction conditions are met and the spouse's housing provident fund is applied for withdrawal, the marriage certificate, the original spouse's ID card 1 copy and the application form for withdrawal of housing provident fund stamped by the spouse unit 1 copy shall be provided;

5. If entrusting others to act as agents, provide the original ID card of the agent 1 copy, the power of attorney notarized by the notary office or the power of attorney approved by the center 1 copy;

6. Extract the original and photocopy of the certification materials 1 copy. The corresponding certification materials include:

(1) If the house is pre-sold, the house purchase contract signed with the developer and registered by the local real estate administration within one year and the down payment invoice (the down payment shall not be less than 20% of the total house price) shall be provided;

(2) If purchasing an existing house, provide the real estate license and tax payment certificate that have been transferred to me within one year;

(3) for the construction of owner-occupied housing, provide construction land planning permit, land use right certificate, project planning permit, construction permit and construction contract signed by the construction unit;

(4) Renovation and overhaul of owner-occupied housing, providing housing ownership certificate and construction contract signed with the construction unit, renovation providing renovation approval documents issued by the planning department, and overhaul providing dangerous housing appraisal book and housing appraisal report issued by the housing quality supervision department at or above the county level.

How to extract Jingmen provident fund 2

Can I still use the provident fund loan after withdrawing the provident fund?

It is understood that whether to withdraw housing provident fund has no effect on provident fund loans. As long as the deposit is normal and meets the conditions of local provident fund loans, you can apply for local provident fund loans to purchase houses.

Although the withdrawal of provident fund does not affect the number of provident fund loans, it also affects provident fund loans; The most direct thing is to affect the amount of provident fund loans.

Taking commercial housing as an example, the maximum amount of provident fund loan for the first suite can reach 600,000, which does not exceed 70% of the total house price, and the amount within 90 square meters does not exceed 80%; The maximum amount of the second housing provident fund loan is 600,000 yuan, after deducting the difference after the first use of the housing provident fund loan. And no more than 40% of the total house price.

At the same time, the applicant has withdrawn the housing provident fund once before. In this case, he can also apply for a housing provident fund loan, but he cannot withdraw the provident fund to pay the down payment. In other words, the applicant does not have enough money to pay the down payment and needs to withdraw the balance in the provident fund account to pay. Applicants can only borrow money from relatives and friends to pay the down payment, get relevant documents to apply for a loan, and then withdraw the balance from the provident fund account to repay the loan.

Provident fund loan process

1. The purchaser shall apply for a loan application form at the housing provident fund management core with the Commodity House Sales Contract or the Loan Contact Sheet, and the applicant shall fill in the Housing Provident Fund Loan Application Form as required according to the prompt.

2. Ask someone to take your ID card or the auxiliary borrower's ID card and prepare the household registration book (if there is no household registration book, a marriage certificate is required). Sometimes you need to go to the Civil Affairs Bureau to issue a marriage certificate or a single certificate. Take the commercial housing sales contract and the completed housing provident fund loan application form to the housing provident fund management core to review the loan amount and calculate the fees to be paid.

3, the applicant needs to prepare the submitted materials:

Application form for housing provident fund loan, original and photocopy of commercial housing sales contract in 4 copies, approval letter for real estate sales, sixth copy of maintenance fund receipt, 3 copies of house payment receipt (receipt amount = total house payment-loan amount), 4 copies of ID card of the purchaser, spouse ID card 1 copy, husband and wife household registration book 1 copy, marriage certificate or single certificate, and pay relevant handling fees before signing the housing provident fund.

4, the applicant in the specified date to the housing provident fund management center agent bank window, and receive a bank receipt.

How to extract 3 from Jingmen provident fund

Extraction condition

Housing category:

1, employees purchase, build, renovate, overhaul and decorate their own houses;

2. Employees repay the principal and interest of loans for house purchase and decoration;

3. Houseless employees rent houses;

Non-housing category:

1, employees' families enjoy the minimum living guarantee and need to pay the property management fee;

2. Employees retire;

3, laid-off workers have one of the following circumstances;

(1) The account has been sealed for more than one year (inclusive).

(2) completely lose the ability to work

(3) enjoy the minimum living guarantee

(4) Men over 60 years of age or women over 55 years of age.

(five) the household registration has moved out of the administrative area of this Municipality.

4. Employees go abroad to settle down;

5. The employee dies, is declared dead or is declared missing;

6 workers transferred from the administrative area of this Municipality;

7. Employees, spouses and immediate family members (parents and children) suffer from serious diseases;

Extract material

Basic materials:

1, my ID card

2, approved by the unit "housing provident fund extraction approval form"

According to different extraction conditions, corresponding materials need to be provided.

Can the provident fund be loaned to decorate the house?

Housing provident fund cannot be used for loan decoration of houses, because the decoration of houses is not within the scope of use of housing provident fund. It should be noted that although the housing accumulation fund can be used to purchase, build, renovate and overhaul occupied houses, the meanings of overhaul and decoration are different.

Overhaul refers to a kind of house reinforcement and repair behavior that needs to affect or dismantle some main components of the house, but does not need to dismantle all the houses; Decoration refers to the surface decoration behavior and internal decoration behavior of the original housing structure.

In real life, employees applying for provident fund loans are mostly used to buy houses. If there is not enough money to decorate the house, it is recommended to apply for a decoration loan directly from the bank, or apply for a consumer loan from other licensed financial institutions, or the bank provides a large-scale special installment service for credit cards, or apply for a credit card home improvement installment.

In addition to purchasing, building, rebuilding and overhauling self-occupied houses, housing provident fund can also be used to repay the principal and interest of housing loans, and households without houses can also be used to pay rent beyond the prescribed proportion of family income.

Extended data:

Personal application for provident fund loan process:

Individuals who need to buy a house, build a decorated house, rent a house or decorate a house can apply for a provident fund loan. The specific process is as follows:

1. The borrower brings all the loan materials, submits a written application to the outlet of the local housing provident fund management center, and fills in the Housing Provident Fund Loan Application Form;

2, housing provident fund is responsible for the loan qualification, guarantor qualification, loan amount, loan period review;

3. After passing the examination, the borrower signs relevant loan contracts and agreements and handles insurance;

4. The Housing Provident Fund Center issues a loan approval notice to the bank, and entrusts the bank to sort out the materials to the real estate transaction department for mortgage pledge procedures;

5. After the mortgage pledge certificate comes out, the bank sorts out the borrower's materials and sends them to the provident fund management institution for re-examination;

6. Pass the bank loan review.

Note that you cannot apply for provident fund loans in the following four situations:

1, the building structure is brick-wood structure and mixed structure;

2. Use for non-residential houses and low-density commodity houses;

3. Have used housing provident fund loans twice;

4 do not meet the conditions of other provident fund loans.

Application conditions for provident fund loans:

Provident fund loans are loans that employees who pay housing provident fund can enjoy. As long as you pay the provident fund, you can apply for individual housing provident fund loans in accordance with the relevant provisions of provident fund loans. The application conditions for provident fund loans are as follows:

1. The applicant has a permanent residence in this city or a valid residence certificate.

2. The applicant must continuously deposit the housing provident fund in full for at least 12 months before the application, or continuously deposit it for more than 12 months after withdrawing the provident fund.

3. Applicants need to have a legal and stable job and income, a stable economic income and the ability to repay loans.

4. The applicant shall have the contract or relevant supporting documents for purchasing, building, renovating and overhauling the self-occupied ordinary house in this city.

5. The applicant's personal credit should be good, meet other conditions stipulated by the provident fund center, and agree to guarantee according to the guarantee method recognized by the provident fund center.

6. If it is husband and wife, then both husband and wife must have no outstanding housing provident fund loans and housing provident fund policy discount loans.

Of course, the provident fund loan policies may be different in different places, so you'd better consult the relevant local departments and take the actual situation as the standard.

How to borrow provident fund loans for decoration?

Methods of applying for renovation provident fund loans:

1. Materials to be prepared for decoration provident fund loan application: ID card (if you have a spouse, you need to prepare the other party's ID card, and if you are married, you need a marriage certificate); Proof of income flow; Proof of payment of provident fund; Property ownership certificate/purchase contract, renovation contract, budget and decoration invoice, and receipt of down payment of no less than 20% for the house.

2. According to your own room type, after submitting the application, the bank will review the real estate agency and guarantee company, and will report the applicant's information and other information to the housing provident fund management center for review. The audit time is generally 40 days.

3. If the application is approved, the provident fund management center will notify the applicant and sign a loan contract with him.

Conditions and requirements of Jingmen provident fund loan

Conditions and requirements of Jingmen provident fund loan

Jingmen provident fund loan conditions and requirements, the loan applicant belongs to the purchase of the first self-occupied housing, the down payment shall not be less than 20% of the housing value, that is, the loan amount shall not exceed 80% of the housing value, Jingmen provident fund loan conditions and requirements.

Conditions and Requirements of Jingmen Provident Fund Loan 1

Application conditions

1, a natural person with valid identity documents and full capacity for civil conduct;

2. Provide valid proof of marital status;

3. The applicant and his unit can pay the provident fund in full and on time;

4. Purchase, build, rebuild, overhaul and decorate owner-occupied housing and provide relevant supporting documents (renovation loan 20 10 is suspended, and the recovery time is subject to the documents issued by the center);

5. Having a guarantor or collateral recognized by the Center;

6, good reputation, the ability to repay the loan principal and interest on schedule.

To bid for off-site loan business, the following conditions must be met:

(a) the applicant can not apply for housing provident fund loans to the housing provident fund deposit center and the Jingmen housing provident fund center at the same time, and the applicant (and spouse) can not have outstanding housing provident fund loans when applying for loans;

(2) The applicant has continuously paid the housing provident fund in full at the place of deposit for more than 6 months;

(3) I have purchased self-occupied housing within 1 year, and can provide valid certification documents recognized by the center;

(4) Being able to provide valid identity documents and having full capacity for civil conduct;

(five) can provide valid proof of marital status (divorce will not be accepted within six months);

(six) good reputation, the ability to repay the principal and interest of the loan on schedule;

(seven) there is a mortgage (pledge) recognized by the center;

(8) Providing a guarantor who meets one of the following conditions:

1, pledge guarantor. Can provide the depositor's guarantee (excluding flexible employees) for the normal deposit of housing provident fund in our city, and there is no outstanding housing provident fund loan for the paid employees, and there is no external guarantee for the applicant.

2. General guarantor. Can provide a general guarantor recognized by the center, with Jingmen local real estate license, good credit, full capacity for civil conduct, stable income (monthly income is not less than 3,000 yuan), and the guarantor has no external guarantee and other liabilities at present.

The sum of the actual age of the general guarantor when handling the guarantee procedures and the applicant's loan period shall not exceed 65 years old.

(nine) other conditions that meet the requirements of Jingmen housing provident fund personal loan.

Jingmen provident fund loan conditions and requirements II

Treatment process

1, ask for the form. Loan applicants can consult and obtain the deposit certificate of housing provident fund at the housing provident fund business outlets in our city, or download it through the housing provident fund network in our city.

2. Issue certificates. The loan applicant and other employees who need to participate in the calculation of the loan amount shall go to the management center where the provident fund is deposited with the certificate of housing provident fund deposit.

3. Verify the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center shall verify the deposit of housing provident fund in different places by telephone, fax and online inquiry.

4. Open an account. Loan applicants and other employees who need to participate in the calculation of the quota shall go through the account opening procedures for employees' off-site deposit accounts at the business outlets of the housing provident fund management center of our city with the proof of housing provident fund deposit.

5. Apply for a loan. The specific procedures are the same as the normal application procedures for housing provident fund loans. (During the teller's internal operation, the occupation of employees who have paid housing provident fund in different places should be entered into the column of the applicant's occupation in the borrower's data table in the system. )

Loan amount, loan interest rate and term

The maximum loan amount can reach 600,000 yuan.

The loan interest rate shall be subject to the provisions of the People's Bank of China. If the legal interest rate is adjusted during the loan period, it will not be adjusted if the loan term is within one year (inclusive); If it is more than one year, the new interest rate regulations will be implemented according to the corresponding interest rate grades from 1 of the following year.

Loan Term The loan term shall not exceed 30 years, and in principle shall not exceed the remaining years from the statutory retirement age. However, employees whose remaining years from the statutory retirement age are within 65,438+00 years may be extended to five years after the statutory retirement age upon their own application.

Jingmen provident fund loan conditions and requirements 3

The calculation formula of Jingmen housing provident fund loan is:

1. According to the maximum amount stipulated by the provident fund center, the amount of provident fund loans calculated by other methods cannot exceed the maximum amount stipulated by the center;

2. Calculate the loan amount according to the house price, and the formula is: loan amount = house price × loan ratio. If the construction area of the purchased house exceeds 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchase price;

3. According to the balance of the applicant's provident fund account, the calculation formula is: provident fund loan amount = borrower and borrower's provident fund account balance × 15.

Jingmen provident fund loan amount

1. The minimum amount of a single loan is 1 10,000 yuan, and the maximum amount of an individual is 300,000 yuan;

2. If the loan applicant purchases the first self-occupied house, the down payment shall not be less than 20% of the house value, that is, the loan amount shall not exceed 80% of the house value;

3. If the loan applicant purchases a second self-occupied house, the down payment shall not be less than 50% of the house value, that is, the loan amount shall not exceed 50% of the house value;

4. The monthly loan repayment amount applied by the loan applicant shall not be higher than 50% of the monthly family income (including other liabilities);

5. If the monthly repayment amount of the loan applicant is higher than 50% of the family income, at least one provident fund pledge guarantor shall be added;

6, commercial banks personal housing loans into provident fund loans, the loan amount shall not exceed the balance of commercial bank loans.

What are the loan conditions for renovation of provident fund?

What are the loan conditions for renovation of provident fund? 1. Identity certificates of the borrower and spouse (ID card, household registration book, marriage certificate or divorce certificate, judgment or ruling, unmarried or divorce certificate issued by the unit, etc.). ); 2. Proof of stable economic income (proof of unit wage income, etc.). ); 3, housing provident fund deposit certificate; 4. The purchase contract and agreement signed with the selling unit (approved by the land planning department of self-built housing); 5. I and my spouse * * * fill in the loan application approval form; 6. There must be a receipt for the house payment (down payment) of not less than 20% of the total house payment (self-financing proof of not less than 30% of the total house payment is required for the purchase of private houses, construction and overhaul of self-occupied houses); 7. List of pledge rights and ownership certificate issued by the borrower (or written commitment issued by the guarantor agreeing to provide guarantee). Provident funds can be decorated with provident fund loans. Decoration with provident fund loan means that the borrower pays the housing provident fund in full and on time. When purchasing, constructing or overhauling self-occupied real estate, the purchased (constructed) real estate or other industries with full rights are used as pawns or pledges, or a third party is jointly and severally liable to guarantee the loan supply and repay the principal and interest, and applies to the real estate provident fund management center for real estate loans with real estate provident fund as the source of funds. 1, provident fund borrowers must have permanent residence or useful household registration status in towns and villages of this city; 2. Push forward from the date of loan application, and pay the housing provident fund in full for more than 12 months (if both husband and wife pay the provident fund, only one person is allowed to borrow); 3. Contracts (agreements) and related materials required by laws and regulations for the purchase, construction and overhaul of self-occupied real estate; 4. Provident fund loans need a certain share of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of real estate, the self-raised funds shall not be less than 30% of the total house price), and the self-raised funds here may be the receipt of house payment (down payment) not less than 20% of the total house price; 5. The applicant has a stable economic income and can only repay the loan principal and interest (monthly income certificate issued by the unit); 6. It is agreed that the purchased property or property with complete proprietary rights or the property of a third party shall be used as collateral, or securities or bank time deposit certificates recognized by the lending bank shall be used as pledge, or legal persons, arrangements or third parties recognized by the lending bank shall provide guarantee. What problems should be paid attention to in provident fund decoration loan? If you want to apply for a decoration loan, you must know more about this knowledge. In addition to the above, we should also pay attention to the following issues: 1. Those who have applied for commercial housing mortgage loans and have not settled them can also apply for provident fund renovation loans for housing renovation. However, in general, the sum of the applied loan amount and the original mortgage loan amount cannot exceed 70% of the total housing price, and the specific standards are implemented according to the actual situation in various places. For example, Miss Ge in the last case, the maximum amount should be 45,000 (35×70%-20=4.5). 2. The advantage of provident fund renovation loan is not only that it is convenient and fast to handle, but also that the interest rate is the same as that of provident fund housing loan, which is lower than that of commercial loan by more than 1 percentage point. It is more cost-effective to deposit interest, and the repayment method is free and flexible. 3. There will be assessment fees, handling fees, professional guarantee fees and other related expenses in the process of handling the provident fund renovation loan, so you must be prepared before handling it. Provident fund loans can be renovated, but certain conditions must be met. In fact, provident fund loans are the same as ordinary loans, but provident fund loans must have good credit. If the credit is bad, the bank will not issue loans. In today's society, reputation can be spent in the present, and everyone should safeguard their reputation.

How to apply for a provident fund renovation loan? The application process is as follows!

For office workers, a very important welfare is five insurances and one gold. Insurance can provide protection for yourself, and the provident fund can borrow money to buy a house. Now the scope of application of provident fund is wider. If there is a decoration demand, it can be extracted and used if it meets the conditions. So how can the provident fund apply for a decoration loan? Let's briefly introduce it today.

First, the provident fund renovation loan conditions

The policies in each region are slightly different. I suggest you check the policies of the local provident fund housing management center first. Generally speaking, you need to meet the following conditions:

1, with a valid ID card or permanent residence, the professional income must be stable and have the ability to repay the loan;

2. The age of the renovation loan is less than 15, and the housing area is more than 70 square meters;

3. There is no outstanding provident fund loan under the personal account. If the provident fund renovation loan is not settled, you cannot apply for a new provident fund loan;

4. After users apply for decoration, they can see whether to sign a contract with the decoration company according to their own needs.

Second, the provident fund renovation loan process

1. Sign a house purchase contract with the house selling unit and prepare materials to apply to the bank;

2, bank audit, send the data to the provident fund management center for approval;

3. Sign the renovation contract and go through the mortgage insurance formalities;

4. If the bank lends money, the borrower can repay it in time.

Note: there must be a continuous provident fund, and the higher the amount, the better. If there are outstanding loans in other banks or platforms, such as mortgages and car loans, it may affect the loan amount or approval efficiency. Individual housing meets the architectural design standards stipulated by the municipal provident fund management center in order to obtain the approval quota.

This is the last of Jingmen Provident Fund renovation loan and Jingmen Provident Fund loan quota. I wonder if you found the information you need from it?