20 17 Changsha provident fund loan conditions and procedures

20 17 Changsha provident fund loan conditions and procedures. Provident fund loans have attracted the attention of many people. This paper will introduce the conditions and process of Changsha provident fund loan in detail.

Provident fund loan conditions (provincial provident fund)

1. Employees who apply for housing provident fund loans must pay the housing provident fund normally 12 months or more.

2. Employees who purchase, build, renovate or repair the same ordinary self-operated residence and apply for withdrawal of housing provident fund shall not issue individual housing loans from housing provident fund.

3, employees to buy, build, rebuild ordinary self-operated housing to apply for housing provident fund loans, within one year from the date of signing the purchase contract or the date of approval of the construction permit.

4. Stop issuing housing provident fund loans to employees who buy more than the third set of housing.

5. The borrower's wage income is calculated according to the payment base of employee housing provident fund (if the monthly payment base is below 320 yuan, it is calculated according to 5% of the minimum payment ratio).

6 employee housing provident fund loan period shall not exceed the borrower's legal retirement age at the time of handling the loan.

First, the down payment ratio

1. The first suite of the employee's family has been transferred and cancelled, and there is no other house. Now apply for housing provident fund loan to purchase ordinary first home loan policy, and the loan amount does not exceed 80% of the house price.

2. In order to improve the living conditions, employees' families have paid for their existing residences and current residences, but there are two residential cancellation records, and personal residential loans (including personal residential commercial loans and personal residential provident fund loans) and corresponding loans have been settled. The loan amount does not exceed 70% of the residential price, and the loan interest rate will rise at the benchmark interest rate 10%.

3. Workers' families have housing and use personal housing commercial loans to buy houses, but the corresponding loans have not been settled. In order to improve living conditions, they should apply for personal housing provident fund loans to buy ordinary housing again. The loan amount shall not exceed 60% of the house price, and the loan interest rate shall rise by 10% according to the benchmark interest rate.

Second, second-hand housing loans.

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1. Personal second-hand housing provident fund loan and loan composition are determined: the maximum loan ratio of the first set of housing shall not exceed 80% of the housing transaction price and the house purchase evaluation value.