Conditions and requirements of Yinchuan off-site provident fund loan Yinchuan off-site provident fund loan

Is the amount of provident fund loan universal in China? How to buy a house with a provident fund loan in different places?

The interest rate of the provident fund loan is 60% of the commercial loan interest rate. A lot of money can be saved through provident fund loans, but some people buy houses in cities other than the places where the provident fund is paid. Want to know whether the amount of provident fund loans is universal in China? How to buy a house with a provident fund loan in different places? Let me give you a brief introduction.

Is the amount of provident fund loan universal in China?

First of all, we should know that the provident fund is managed by provinces and cities respectively, and the national urban provident fund exchange has not been realized. The amount of provident fund loans in cities is calculated according to the local housing provident fund management center, so it is definitely not universal.

Usually, you can only buy a house in the city where you pay the housing provident fund, even if it is a cross-city provident fund loan in the same province. Every city has a maximum amount of provident fund loans, which is related to the payer's monthly income, the down payment ratio, the base and balance of provident fund deposit, the age of the applicant and other factors.

How to buy a house with a provident fund loan in different places?

Although the amount of provident fund loans has not been unified nationwide, it is still possible to buy houses in different places in individual cities.

Like Beijing, Shanghai, Chongqing, Hangzhou, Harbin, Guangzhou, Shenzhen, Tianjin, Xiamen, Hainan, Taiyuan, Xi 'an, Xining, Yinchuan, Chengdu, Guizhou and Shijiazhuang, 18 cities have realized the national intercommunication of provident fund loans, and they can buy houses with provident fund loans across cities.

If you want to apply for a loan from an off-site provident fund, it is suggested to call the hotline of the local housing provident fund management center in the place where you buy a house and ask about the requirements of the loan from an off-site provident fund and what documents are needed to prove it. If it meets the requirements, you can reapply. You can also find a local intermediary to help you handle it, which will be more confident than handling it yourself.

The above is "Is the amount of provident fund loans popular in China?" I hope it will help everyone.

Can the provident fund in different places buy a house across provinces?

1, national off-site loans

Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing, Tianjin, Harbin, Taiyuan, Shijiazhuang, Chengdu, Hainan Province, Guiyang, Xining, Hangzhou, Yinchuan, Xiamen and Fuzhou have achieved nationwide loans from different places, that is, employees who have paid provident fund in other provinces and cities in China can apply for provident fund loans to buy houses in this 18 place. Among them, Hangzhou and Yinchuan expanded the scope of off-site loans from the province to the whole country, and Xiamen and Fuzhou were the first cities to implement off-site loans.

2. Inter-provincial loan areas

The four cities of Wuhan, Changsha, Nanchang and Nanning only aim at some cities outside the province, and implement mutual loans of housing provident funds in different places.

3, the province, the region off-site loans

Nine cities, namely Qingdao, Shenyang, Changchun, Jinan, Luoyang, Hefei (with Fuyang, Lu 'an, Huainan, Chuzhou and Huaibei), Xi, Kunming and Lanzhou, have realized loans in different places in the province, that is, they can apply for provident fund loans to buy houses in other cities in these provinces.

Second, can the housing provident fund buy a house in a different place?

Can the housing provident fund buy a house in a different place? It is reported that housing provident fund can buy a house in different places and apply for housing provident fund loans in different places. From 2065438+2005 10, the loan business of provident fund in different places will be fully implemented. Deposited employees who purchase houses outside the place of deposit may apply for loans from the housing provident fund management department of the place of purchase according to the housing provident fund loan policy of the place of purchase. The housing provident fund management institution at the place of deposit and the place of purchase shall issue and confirm the deposit certificate and other materials in time and handle the loan procedures.

Housing provident fund purchase conditions in different places:

1. If the housing provident fund has been paid in full for more than 6 months (inclusive), you can apply for a personal housing loan from the housing provident fund. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management core of the original deposit place.

What are the loan conditions and requirements of Yinchuan provident fund?

Legal analysis: the borrower applying for Yinchuan portfolio loan must meet the conditions of both provident fund loan and commercial housing loan.

Yinchuan housing provident fund loan conditions are as follows:

1. Loan eligibility: the applicant and his unit have paid the housing provident fund on time, in full and continuously for more than six months, and there has been no suspension or default, and the payment ratio shall not be less than 5%;

2, with the purchase of housing contracts or agreements, construction, renovation, overhaul of housing must hold the relevant approval documents approved by the planning, land and other departments;

3. Proof of long-term stable economic income and the ability to repay the principal and interest of the loan;

4, the first use of housing provident fund loans to buy first-hand housing must have proof that its own funds exceed 20% of the total purchase and construction value, and other circumstances must have proof that its own funds exceed 25% of the total purchase and construction value;

5. The completion date of purchasing second-hand houses shall not exceed 20 years.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Can Wuzhong's provident fund buy a house in Yinchuan?

Hello! 1, in fact, it is possible, and this situation belongs to the provident fund loan in different places. The Ministry of Housing and Urban-Rural Development clearly stipulates that off-site provident fund loans shall be handled according to the following procedures:

2, the city provident fund center to accept the employee loan business consulting, and one-time inform the loan required audit materials;

3. Employees themselves or their clients apply to the municipal provident fund deposit center, which verifies the loans paid by employees according to their applications, and issues certificates of housing provident fund deposit and use for employees who have never used housing provident fund or whose first housing provident fund loans have been settled.

Yinchuan: Apply for provident fund loan again after the first settlement, and the minimum down payment ratio will be adjusted to 30%.

On April 20th, according to Yinchuan Release, Yinchuan's housing provident fund policy will be adjusted from now on to encourage employees to use the provident fund and reduce their burden of buying houses.

After the policy adjustment, if the loan applicant (including the same applicant) has no record of housing provident fund personal housing loan nationwide, the application for housing provident fund personal housing loan shall be implemented according to the first home loan policy.

For loan applicants (including the same applicant) who have a record of housing provident fund personal housing loan in the National Housing Provident Fund Management Center and have settled, the application for housing provident fund personal housing loan shall be implemented according to the second home loan policy.

The New Deal makes it clear that loan applicants (including the same applicant) who use the housing provident fund twice will not be accepted.

At the same time, the New Deal makes it clear that the minimum down payment ratio is adjusted to 30% for individuals who have used the housing provident fund and have settled their housing loans, and for those who apply for the housing provident fund again to purchase new self-occupied housing loans in Yinchuan area in order to improve their living conditions.

For the purchase of commercial housing (second-hand housing), the minimum down payment ratio shall be adjusted to 40%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of individual housing loan of housing accumulation fund in the same period.

The maximum loan amount is adjusted to 700,000 yuan if the main loan applicant normally deposits the housing provident fund in Yinchuan Center and the spouse normally deposits the housing provident fund outside Ningxia District.

If the employee loan applicant and both spouses normally deposit the housing provident fund, the maximum loan amount will be adjusted to 700,000 yuan. Other off-site loan application conditions shall be implemented according to the original policy.

This is the end of the introduction of Yinchuan off-site provident fund loan, and the conditions and requirements of Yinchuan off-site provident fund loan. I wonder if you have found the information you need?