Zibo provident fund loan policy?

Provident fund loan policy for purchasing commercial housing or second-hand housing (second-hand housing in black font)

Application conditions

Meet the following conditions, you can apply for housing provident fund personal loans:

(1) A natural person with full capacity for civil conduct;

(2) Have a stable occupation and income, and have the ability to repay the loan principal and interest on schedule;

(3) By the date of loan application, the employee's unit has paid the housing accumulation fund continuously and normally for more than 1 year, and the employee himself has paid it continuously and normally for more than 6 months;

(4) The borrower, * * and the borrower (including the borrower's spouse and other participants in the joint loan) have no outstanding individual housing provident fund loans;

(5) The down payment for house purchase shall not be less than the specified proportion;

If the paid workers' families use the housing provident fund personal loan to purchase the first set of ordinary self-occupied housing, the down payment ratio of the housing provident fund loan shall not be less than 30%; The down payment ratio of the housing provident fund loan for purchasing the second suite shall not be less than 40%.

(6) Having a legal and effective guarantee;

(7) The borrower, the borrower and the guarantor have good assets and credit status;

(eight) other conditions stipulated by the housing provident fund management committee.

Fourth, processing materials.

Purchase of loan materials for newly-built self-occupied housing (purchase of the third and above housing or paid-in workers' families who have used personal housing provident fund loans twice or more may not apply for personal housing provident fund loans);

1. Application Form for Individual Housing Provident Fund Loan in Zibo City in duplicate;

(It can be downloaded from the website of Zibo Housing Provident Fund () or collected in the housing provident fund service hall).

2. 1 Original personal credit report of the applicant and spouse;

(Personal credit report with watermark issued by China People's Bank in the month of applying for loan)

3. Can provide the applicant and spouse's ID card information authorization code, electronic identity information and entity ID card (Hong Kong, Macao and Taiwan compatriots provide corresponding certificates);

(ID card information authorization code and ID card electronic information are presented through the "Love Shandong" APP, "Love Shandong and Love Zibo" APP or the official account of "Zibo Micro Police" WeChat).

4. The original residence booklet of the applicant, spouse and minor children;

(including everyone's index page and single page)

5. The original marriage certificate of the applicant (those who can enjoy data query in Shandong Province will no longer be provided);

(Single employees fill in and sign the letter of commitment for housing provident fund loan business (power of attorney); Divorced employees provide divorce certificates, divorce agreements or original court judgments. After 20 1 1, the marriage registration in Shandong Province can be inquired through the data of the Provincial Civil Affairs Department, and marriage certificates and divorce certificates are not provided. )

6. The original invoice of prepaid VAT general invoice; (Original bank voucher or receipt for down payment; The receipt must be signed by the payee and thumbprinted)

7. Original 1 copy of the commercial housing sales contract filed by the housing management department; (1 original contract for the sale of second-hand houses in Shandong Province; )

8. The applicant has a certificate of deposit and use of employee housing provident fund with off-site loans, and the applicant's deposit in the last six months 1 original (off-site loans provided); (Issued by the housing provident fund management center of the deposit place, and the certificate of deposit and use of housing provident fund for employees with loans from different places can be downloaded from the website of Zibo Housing Provident Fund ()) (original owner's immovable property certificate (or real estate license and land certificate); )

9. Original query result of registration information of applicant, spouse and minor children 1 copy (provided by loans from different places). (Issued by the real estate registration department at the place of deposit, valid for 30 days) The authorization code of the seller's ID card information, electronic information of the ID card, and entity ID card are all acceptable; (ID card information authorization code and ID card electronic information are presented through the "Love Shandong" APP, "Love Shandong and Love Zibo" APP or the official account of "Zibo Micro Police" WeChat).

10. Original bank card (or passbook) of the seller. (The seller himself will sign on the spot and confirm by fingerprint)

1 1. The applicant's certificate of deposit and use of housing provident fund for employees with loans from different places and the applicant's deposit in the last six months 1 original (provided by loans from different places);

(Issued by the housing provident fund management center at the place of deposit, and the use certificate of housing provident fund deposit for employees with foreign loans can be downloaded from the website of Zibo Housing Provident Fund ()).

12. 1 Original proof of the inquiry results of the registration information of the applicant, spouse and minor children (provided by loans from different places).

(Issued by the real estate registration department at the place of deposit, valid for 30 days)

Tips:

1. When submitting a loan application, all loan materials must be prepared and signed by both husband and wife.

2. As of the loan application date, the employee's unit has paid the housing provident fund continuously and normally for more than 1 year, and the employee himself has paid it continuously and normally for more than 6 months.

3. The applicant and spouse take the deposit base of the housing provident fund as the wage income determination standard [in the case of obvious doubts such as the sudden increase of the deposit base at the time of loan and the adjustment of the individual base by the deposit unit, the average base of the recent continuous normal deposit for 6 months is taken as the wage determination standard; If the borrower's spouse has not paid the housing provident fund, and there is no housing provident fund payment base, the minimum wage standard (announced by the provincial government) in the district where the house is purchased shall be used as the wage income recognition standard]. If the applicant's spouse pays the housing provident fund in a different place, he/she shall provide the proof of the payment and use of the employee's housing provident fund whose spouse has a loan in a different place and the original deposit 1 in the last six months (issued by the housing provident fund management center in the place where it was paid).

4. If there is a balance in the personal housing loan of a commercial bank, it shall be regarded as owning a house. If the query results of real estate registration information prove that the listed housing and the housing loan in the personal credit report correspond to the same set of housing, the commercial bank loan contract of the loan should be provided at the same time to prove that it corresponds to the same set of housing.

Verb (abbreviation of verb) processing place and contact telephone number

1. Window D 1- 15# on the second floor of the administrative service center, No.971Linzi Avenue, Linzi District? Qilu Petrochemical Sub-center and Linzi Sub-center: 0533-7 177200.

2. Zhangdian District, Unicom Road 190 Municipal Branch Tel: 0533-520 1735.

3. Housing accumulation fund service area on the second floor of the lobby of the municipal administrative service center (No.Xisi Road 1 19, Zhangdian District)? Zhangdian Sub-center? Tel: 0533-2307 183

4. No.0/68, Jiangjun East Road, Zichuan District? Zichuan Sub-center? Tel: 0533-6022870?

5. B-2 Housing Provident Fund Service Area on the second floor of Boshan District Government Affairs Service Center (No.86 Daguanyuan Road, Shantou Street, Boshan District, Zibo City)? Boshan Sub-center? Tel: 0533-4 185473

6. zhoucun district Citizen's Home (No.228, Xinjian East Road, zhoucun district, Zibo) is located at the service desk at the main entrance on the second floor, facing 30 meters east. Zhoucun Sub-center? Tel: 0533-6 160 172.

7. Huantai Sub-center (Zhangbei Road, Huantai County, Zibo City 1886), the housing provident fund service area on the third floor of Huantai County Convenience Center? Tel: 0533-82 18404

8. Gaoqing Sub-center (No.7 Gaoyuan East Road, gaoqing county), Hall C, gaoqing county Municipal Affairs Service Center Tel: 0533-6969588.

9. Yiyuan County New Government Affairs Service Center Hall (the third floor of Luzhong Yiwu Trade City, 300 meters east of the intersection of Lushan Road and Ruiyang Avenue) District D Yiyuan Sub-center Tel: 0533-27558 1 1.

10. High-tech Zone Center, Floor 2, Building B, Chuangye Torch Plaza Government Service Center, Liu Quan Road, Zibo High-tech Zone 1 1 63 Tel: 0533-3582 163.

1 1. The second floor of the administrative service center of the Economic Development Zone (east of the intersection of Beijing Road and Fuxing Road100m)? Economic Development Division Center? Tel: 0533-2320355

Intransitive verb processing mechanism

Zibo housing fund management center branch

Seven, charging standards

No charge.

Eight. Processing time

Zhangdian Sub-center? 9: 00 am-65438+2: 00 pm, 3: 00 pm-65438+7:00 pm on weekdays.

Zichuan Sub-center? 8: 30am-165438+0: 30pm13: 30pm-17: 00pm?

8: 30am-65438+02: 00pm 65438+03: 30pm-17: 00pm on working days of other sub-centers.

Nine. Treatment process

(1) Relevant materials provided by the applicant;

(two) housing provident fund management center to accept;

(three) housing provident fund management center for loan review and loan approval.

X. Processing time limit

Make a decision on whether to grant the loan within 3 working days from the date of accepting the application, and notify the applicant.