Jiaxing provident fund loan conditions 2023

First, Jiaxing provident fund loan conditions 2023

Legal subjectivity: Jiaxing's materials for applying for provident fund loans include transcripts for applying for housing provident fund loans, marriage certificates, payment vouchers for construction, decoration and overhaul expenses, proof or commitment of co-owners, down payment vouchers, etc. The application condition is that the housing provident fund has been paid in full according to the regulations, and it has been paid continuously for more than 6 months (inclusive) when applying for a loan. The following questions about Jiaxing's guidelines for applying for provident fund loans will be answered in detail by Bianxiao.com. First, Jiaxing applied for an ID card for provident fund loan materials; Marriage certificate; Apply for housing provident fund loans in conversation record; Real estate license; Commercial housing sales contract; Personal credit report or inquiry power of attorney; Account book; Down payment voucher; Payment voucher for construction, renovation and overhaul expenses; Proof or commitment of the relationship between co-owners; Application form; Identification certificate of the seller; Repayment account (bank card); Proof of the family housing situation where the deposit and household registration are located; Proof of income; Debit card for collection; Real estate appraisal report; Application form for real estate registration; Registered real estate sales contract (pre-sale); Real estate mortgage contract; Trustee's identity card. Two. Conditions for Jiaxing to apply for provident fund loans (1) The housing provident fund shall be paid in full and normally as required, and it has been paid continuously for more than 6 months (inclusive) when applying for loans; (2) The applicant's purchase of owner-occupied housing, including newly-built commercial housing, second-hand housing, affordable housing, resettlement housing and public housing, and newly-built, renovated or overhauled owner-occupied housing (including renovation of dilapidated houses), does not exceed 12 months in total. Among them, the purchase of pre-sale commercial housing under construction, the signing of commercial housing sales contracts in principle does not exceed 24 months; (3) The applicant and his spouse have stable economic income and the ability to repay the principal and interest of the loan on schedule, have good personal credit and have full capacity for civil conduct; (4) Buying a second-hand house, filing with the provincial provident fund center by a real estate agency, and applying for a loan before going through the formalities of real estate transaction transfer after signing a contract (payment method is provident fund loan or provident fund commercial portfolio loan) and paying the down payment; Resettlement housing loans, completed by the unit ownership certificate, after signing the contract and paying all the house price, in the real estate transaction transfer procedures before the loan application. (5) If the employee's family (including the principal borrower, spouse and minor children) has no housing and no housing loan record, the first set of ordinary self-occupied housing will be purchased with the housing provident fund and the first set of policies will be implemented. If the second-hand house is purchased and the age of the house is less than 20 years (inclusive), the down payment ratio of the loan shall not be less than 30%; If the house age is more than 20 years, the down payment ratio of the loan shall not be less than 40%; For resettlement, the unit shall handle the certificate of ownership of resettlement house and pay all the house price, and the loan amount shall not exceed 70% of the actual house price paid. (VI) If an employee's family already owns a house or has no house but has a housing loan record, two sets of housing provident fund loan policies shall be implemented for purchasing ordinary self-occupied houses, with the down payment ratio of the loan not less than 60%, and the interest rate of the provident fund loan is 1. 1 times the benchmark interest rate of the housing provident fund loan in the same period. (seven) the down payment ratio should be determined according to the housing situation, price, family repayment ability and credit status. Those who apply for portfolio loans or discount loans must also meet the relevant requirements of commercial banks. (eight) the purchase of housing for the city's self-occupied ordinary housing, with the purchase and construction contracts and related certification materials in line with the law, and agreed to use the purchased self-built housing as a loan guarantee; (nine) the applicant and his spouse apply for the first time to use the housing provident fund personal housing loan, or have used the housing provident fund personal housing loan but have settled, and meet the conditions for re-application. Three, Jiaxing to apply for provident fund loans, the law stipulates that Article 26 of the Regulations on the Management of Housing Provident Fund (the State Council Order No.350) employees who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. The above is the related content compiled by Bian Xiao. There are many materials to apply for housing provident fund loan in Jiaxing, Zhejiang Province, including the loan certificate application form and my identity certificate, and then you can go through the relevant business after paying the provident fund for more than 6 months. If you have other needs, please do one-on-one legal consultation online.

2. What is the annual interest rate of Jiaxing Bank in 2023?

Jiaxing Bank has a three-year fixed interest rate of 3.93.

Lump sum deposit and withdrawal/deposit of principal plus interest for three years 1.86

The data source is the current interest rate published by major banks for reference only, and the specific interest rate deviation is subject to the bank's announcement in official website. The benchmark interest rate of banks is a universal reference interest rate in the financial market, and other interest rates or the prices of financial assets can be determined according to this benchmark interest rate level.

3. What are the loan conditions of housing provident fund?

Housing accumulation fund refers to the long-term housing accumulation fund paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The provident fund loan must meet the following conditions: 1, and the time of deposit: the applicant must establish a housing provident fund account for more than 6 months or 12 months, and at the same time meet the requirements of full and normal deposit of the provident fund in a certain period of time; 2. Lender's age: the sum of the lender's age and the loan period is less than 70 years old; 3. The applicant has full capacity for civil conduct, has the ability to repay the principal and interest of the loan, and has a good credit status; 4. The applicant has paid the down payment for the house purchase as required; 5. The applicant provides a guarantee that meets the requirements of these Provisions; 6. The applicant and the co-applicant meet the requirements of national, provincial and municipal real estate market management policies; 7. Meet other conditions stipulated by the provident fund management committee.

4. What are the loan conditions of Jiaxing Provident Fund?

1. First-hand house purchased by the applicant applying for provident fund loan. It must be purchased on the premise of self-occupied housing.

2. Users who want to apply for Jiaxing provident fund loans. You need to have a permanent residence in this city or a valid residence status.

3. Before applying for a loan. The housing accumulation fund has been paid normally for six consecutive months, and it is important that there is no arrears in payment.

4. Have a stable economic income. It has no bad credit record and has the ability to repay the principal and interest of the loan as required.

5. The applicant should have a down payment. There are self-owned funds for purchasing more than 30% of the total price of the first set as the down payment, and there are self-owned funds for renovating more than 40% of the total price of the first set as the down payment.

6. Under normal circumstances. Applicants who meet the above conditions can apply for provident fund loans in Jiaxing. It should be noted that if it is a joint purchaser, the joint purchaser applying for housing provident fund loans is temporarily limited to parents and adult immediate children. Before the house mortgage takes effect, the applicant also needs to provide a guarantor recognized by the customer and use the purchased house as collateral.