housing accumulation fund

1. What is provident fund personal housing mortgage loan?

Guangzhou housing provident fund personal housing mortgage loan (hereinafter referred to as provident fund loan) refers to the preferential interest rate loan for housing provident fund applied by employees who pay housing provident fund in accordance with the regulations when buying houses within the administrative area of this Municipality.

Second, the benefits of housing provident fund?

1. All housing accumulation funds paid by individuals and units are owned by individuals.

2. When buying a self-occupied house, you can apply for a provident fund loan with preferential interest rate.

3. Purchase, construction, renovation, overhaul of houses or renting houses for self-occupation. You can withdraw the storage balance in the provident fund account.

3. The paid housing provident fund is exempt from personal income tax, and the minimum paid by units and individuals is 8% of the average monthly salary and the maximum is 20%; At present, the maximum deposit of units and individuals in Guangzhou is 5460 yuan.

Three, apply for provident fund loans meet the following conditions:

1, with urban permanent residence or valid residence identity documents, with full capacity for civil conduct; Provident funds are deposited in banks in Guangzhou, except for the railway system.

2. For the permanent residence in Guangzhou, the provident fund has been continuously deposited for 6 months when applying for the provident fund loan; Non-Guangzhou permanent residence requires continuous deposit of provident fund 12 months.

3. Have a stable occupation and income source, and have the ability to repay the loan principal and interest.

4. The age for applying for provident fund is 60 for men and 55 for women; The loan period can be extended to 5 years after the statutory retirement age.

5. The maximum loan amount for second-hand buildings is 70% for 20 years; At present, the maximum amount for an individual is 250,000, and the maximum amount for two or more applicants is 500,000.

6. The borrower can enjoy multiple housing provident fund loans, but the premise is that after paying off the principal and interest of the previous provident fund loans, he can re-apply for a provident fund loan to buy another property.

7. Banks that can handle provident fund loans at present: China Bank, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank and Bank of Communications.

Four, the calculation method of the maximum amount of personal provident fund loans

Calculation formula: (balance of current provident fund principal and interest+deposit amount of last month × 1.5× remaining retirement years × 12 months) ×2 times.

Five, the calculation method of the maximum amount of personal provident fund loans

According to the personal loan interest rate of housing provident fund stipulated by the People's Bank of China (see the list of contributions of 10,000 yuan for details), if the statutory interest rate is adjusted and the loan term is within one year, the effective contract will not be adjusted; If the loan term is more than one year, it will be adjusted according to the loan interest rate of China People's Bank the next day from 1.

Intransitive verb repayment method of personal provident fund loan

At present, the most common and basic repayment methods are equal principal and interest and average capital repayment.

Seven. Time for approval of provident fund: (Compared with commercial loans, the following links are more)

1. Send the materials to the bank for preliminary examination, and then the bank will send them to the provident fund center for approval until the reply is about 10- 15 working days.

2. The applicant bank will send the loan information to the provident fund center for scale, and the provident fund center will transfer the amount to the bank before lending, which will take about 7- 10 working days.

Eight, the extraction conditions of provident fund

A: Partial withdrawal.

1, house purchase:

A. Non-mortgage purchase of owner-occupied housing (application is made within two years after payment);

(1), certificate of first-hand building extraction.

First collection: purchase contract (or pre-sale contract), purchase invoice (or receipt), original and photocopy of ID card.

After withdrawal: the original registration certificate and ID card of Guangzhou housing provident fund will be taken back.

(2), the second-hand building extraction certificate.

First withdrawal: one original and one copy of the title certificate, deed tax payment certificate and ID card.

Later withdrawal: Guangzhou Housing Provident Fund will withdraw the original registration certificate and ID card.

Remarks: (1) The date of invoice or receipt shall prevail, and the withdrawal shall be made once every six months until the withdrawal amount reaches the actual purchase price.

(2) The purchase contract and the pre-sale contract must be supervised by the housing management department.

(3) If you buy an auction house, you need to provide an auction confirmation.

(4) If you purchase a reformed house, you need to provide a payment schedule, which can only be extracted once and the total amount of extraction cannot exceed the actual purchase price.

5. If the real estate license has been obtained and the purchase contract cannot be provided, the real estate license and purchase invoice shall be provided.

(3) Compensation for land requisition and demolition increases housing area.

First extraction: agreement on house demolition and resettlement, purchase invoice for increasing housing area, original and photocopy of ID card.

Later withdrawal: Guangzhou Housing Provident Fund will withdraw the original registration certificate and ID card.

Remarks: The total amount of housing accumulation fund withdrawn cannot exceed the cost of purchasing and increasing housing area.

B. Repaying the principal and interest of the house purchase loan (applied during the repayment period)

④ First-hand building and second-hand building

First withdrawal: one copy of the loan contract and one copy of the ID card.

Later withdrawal: Guangzhou Housing Provident Fund will withdraw the original registration certificate and ID card.

Remarks: (1) Withdraw once every six months until the total withdrawal amount reaches the sum of the actual down payment and the repaid loan principal and interest;

(2) If the down payment is not specified in the loan contract, an invoice (or receipt) of the down payment shall be provided;

(3) If the owner of the property right is not specified in the loan contract, the original and photocopy of the house purchase contract shall be provided to verify that * * * is the same as the extractor.

2. Pay the rent (apply during the lease contract period)

(1) First extraction: lease contract (contract registered by the housing management department or public housing lease contract signed with the unit), rent invoice (or receipt), original and copy of ID card.

② Post-extraction: Guangzhou Housing Provident Fund extracts the original registration certificate and ID card.

Remarks: Withdraw it once every six months until the total amount of housing provident fund withdrawn reaches the rent actually paid.

3. Self-built house (applied within the validity period of approval)

The urban construction department at or above the town (township) agrees to the land use certificate (or real estate property right certificate), the approval document of the planning department at or above the town (township) for building, the invoice (or receipt) for purchasing building materials, and the original and photocopy of the ID card.

Remarks: It can only be withdrawn once, and the total amount of housing accumulation fund withdrawn cannot exceed the cost of building self-occupied housing.

4. Reconstruction and expansion (application within the validity period of approval)

Town (township) above the urban construction department for decoration approval, property certificate, purchase of building materials invoices (or receipts), ID card and a copy of the original.

Remarks: It can only be withdrawn once, and the total amount of housing provident fund withdrawn cannot exceed the cost of rebuilding self-occupied housing.

5. Overhaul the house (apply within the validity period of examination and approval)

Housing safety appraisal certificate (issued by housing safety appraisal institutions above the town (township)), real estate ownership certificate, invoice or receipt of repair expenses, original and photocopy of ID card.

Remarks: ① It can only be withdrawn once, and the total amount of housing provident fund withdrawn cannot exceed the overhaul cost of self-occupied housing.

(2), overhaul refers to the need to affect or dismantle some of the main components of the house, but it is not necessary to completely dismantle the house. Houses that need to be overhauled refer to dangerous houses that have been assessed as severely damaged or completely damaged.

1, family members own the house.

(1) At the time of first withdrawal: proof of property rights (the spouse needs to provide a marriage certificate or household registration book) and a copy of the above-mentioned proof materials 1 copy, and the original and copy of the ID card.

② Post-extraction: Guangzhou Housing Provident Fund extracts the original registration certificate and ID card.

Remarks: (1) Withdraw it once every six months until the total withdrawal amount reaches the actual purchase price.

(2) Family members who own a house refer to the spouse of the owner of the house.

B: cancel the account and withdraw money

1, retirement, resignation (or reaching the legal retirement age)

One original and one copy of divorce and retirement certificate and ID card.

2, completely lose the ability to work, and terminate the labor relationship with the unit.

Certificate of hospitals above the municipal level, certificate of termination of labor relations between employees and their units, original and photocopy of ID card.

3, the account moved out of the city, and terminate the labor relationship with the unit.

Proof of moving out of the household registration, proof of termination of labor relationship between the employee and the original unit, original and photocopy of ID card.

4. Leave this country and settle down

Visa, passport

5, non city registered permanent residence workers and units to terminate the labor relationship.

Certificate of termination of labor relationship with the unit, original and photocopy of ID card.

6. Unemployed (or laid-off) personnel, male 45 (including 45 years old) and female 40 (including 40 years old), have been unemployed (or laid off) 12 months or more.

Unemployment certificate (or employment certificate), original and photocopy of ID card.

Remarks: If the time on the unemployment certificate (or employment certificate) is less than one year, and the actual unemployment is over one year, a labor manual is required.

2. If an employee dies or is declared dead, his successor or legatee shall apply for withdrawal.

Household register, identity certificate of legal heir notarized by notary office, original and photocopy of ID card.

Remarks: ① It shall be handled by the heir or legatee.

(2) If there is more than one heir or legatee, one heir or legatee shall be appointed to handle it, and a power of attorney notarized by a notary office shall be provided.

C: Others.

Workers with centralized storage of provident fund (eligible for withdrawal)

Provident fund inquiry card (or special offer) and the above-mentioned relevant certification materials

Remarks; Centralized storage bank outlets (Cangbian Road Sub-branch of China Construction Bank; ICBC Yinshan Branch)

Note: 1. Every time you withdraw the provident fund, you must first collect it from the unit or bank, fill out the Application Form for Withdrawal (Cancellation) of Individual Housing Provident Fund in triplicate, and affix the seal of the unit.

I can't handle the withdrawal in person, and if I entrust others to handle it, I still need to provide the power of attorney notarized by the notary office and the original and photocopy of the employee's and client's ID cards.

1. If an employee entrusts a unit to act as an agent, the unit must first fill in the Power of Attorney for Housing Provident Fund Extraction and the List of Commissioned Housing Provident Fund Extraction.

2. Withdrawal of provident fund in the bank. Employees who meet the conditions for centralized storage and withdrawal of provident fund shall go through the withdrawal procedures at the centralized storage bank outlets.

3. Part of the withdrawal amount of the provident fund is reserved to ten digits; After withdrawing the provident fund, the employee who cancels the account will cancel the personal provident fund account.