How long can Changsha provident fund borrow money to buy a house and a car?

How long can I borrow money to buy a house after paying Changsha provident fund?

1, an administrative institution in Changsha that has normally paid housing provident fund 12 months or more, signed a long-term labor contract with the employer for more than three years (including signing housing provident fund 1 year or more for three consecutive years), and employees of enterprises that have paid housing provident fund 12 months or more and are paying it normally are in the process of purchase, construction, renovation and overhaul.

2. Individual industrial and commercial households, freelancers and depositors who have signed off-site loan cooperation agreements with Changsha Housing Provident Fund Management Center can apply for housing provident fund loans if they have normally paid housing provident fund 12 months or more.

Conditions for Changsha to apply for provident fund loan to buy a house

To apply for a personal housing provident fund loan, the borrower shall meet the following conditions:

1, housing fund management center system deposits housing provident fund;

2, the city's permanent residence or valid residence status;

3, the city to buy self-occupied housing;

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

5. Pay the housing provident fund in full;

6, the purchase of housing contracts or related documents, the sale of public houses by the program has been approved by the higher housing management agencies;

7. Guarantee method agreed by the trustee;

8. Other conditions stipulated by the client. Please consult the provident fund loan business outlets or the local provident fund management center in detail when handling.

Changsha provident fund loan application process

1, apply. The borrower shall provide the information required for the loan to the provident fund management center as required.

2. The bank conducts credit investigation and loan approval. No matter how you choose to buy a house with a loan, this step is inevitable and it will take some time.

3. Sign a loan contract. The borrower shall go through the formalities of signing a loan contract at the bank with relevant information.

4, for housing property insurance and mortgage registration procedures.

5. Loan allocation. After confirming that the mortgage registration has been completed and the loan contract comes into effect, the loan undertaking bank will transfer the loan to the account jointly designated by the borrower and the seller on the date agreed in the contract and send the loan receipt to the borrower.

6. Loan recovery. The borrower shall repay the loan according to the loan contract from the next month.

7. Loan settlement and cancellation. After the borrower pays off the principal and interest of the loan, the bank will issue a loan settlement certificate and go through the mortgage registration cancellation procedures.

The above is what Bian Xiao shared with you about how long it takes to pay the Changsha Provident Fund to buy a house with a loan. More information can focus on the construction industry and share more dry goods.

How long can I pay the provident fund loan to buy a house?

Housing provident fund can only be borrowed for more than one year to buy a house.

One of the conditions of buying a house with provident fund loan is that the lender needs to pay the housing provident fund in full for more than one year. The normal deposit here refers to continuous monthly deposit, early deposit and supplementary payment of housing provident fund, and the time for supplementary payment of housing provident fund shall not exceed three months.

If the unit pays the housing provident fund, it needs to pay in full for 6 months before it can use the housing provident fund loan to buy a house; If an individual pays the housing provident fund, it will take 1 year to pay it in full before he can use the housing provident fund loan to buy a house. Normal deposit refers to continuous monthly deposit, advance payment and supplementary payment of housing provident fund, and the time for supplementary payment of housing provident fund shall not exceed three months.

How long can I borrow money to buy a house after paying the housing provident fund?

Housing accumulation fund 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, social organizations and their employees. Continuous deposit can be processed for 6 months.

1. How long can I borrow to buy a house after paying the housing provident fund?

Housing accumulation fund 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, social organizations and their employees. Continuous deposit can be processed for 6 months.

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from 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.

Two, apply for housing provident fund loans for the process:

1, apply for the unit provident fund management center (sub-center), introduce yourself and get the materials.

2. Prepare complete written materials and submit them to the Housing Provident Fund Management Center (sub-center) for review, including reviewing the applicant's loan application form, whether the house purchase is legal, the loan amount and duration, and determining the loan guarantee method. For loans that need to be evaluated, it needs to be evaluated by a designated evaluation agency.

3. After passing the preliminary examination, the housing provident fund management department will issue an investigation notice, entrust the bank to investigate the borrower, and guide the borrower to fill in the relevant loan contract. The contents of the investigation include: verifying the income of the guarantor, whether the guarantor has the guarantee qualification, etc.

4. After investigation by the entrusted bank, if the investigation is passed, an investigation opinion will be issued, and the applicant will submit the opinion to the housing provident fund management center (sub-center) for approval.

(1) units need to pay the housing provident fund in full for 6 months before they can use the housing provident fund loan to buy a house;

(2) Individuals need to pay the housing provident fund in full for one year before they can use the housing provident fund loan to buy a house.

Therefore, if it meets the conditions for the unit to pay the housing provident fund, it can be used in half a year.

Third, the new rules

For the current new regulations, employees who have paid the housing provident fund in full for half a year or more can apply for housing provident fund personal housing loans. If the housing provident fund has been deposited in different places and the deposit period is less than 6 months, the deposit time can be calculated according to the deposit certificate of the original housing provident fund management center.

In addition to the deposit time, to apply for provident fund loans, the following conditions need to be met.

1. Legal and valid identity means that the applicant must have People's Republic of China (PRC) (China) nationality and a valid ID card.

2. Have full capacity for civil conduct.

3. Good credit and stable income.

4, with the local real estate registration department confirmed the purchase contract or agreement, and can handle the mortgage and guarantee procedures.

5. A certain percentage of deposit has been paid as required.

Extended information:

1. When applying for a loan, the borrower has paid the provident fund (inclusive) in full for more than 6 consecutive months and deposited it into the provident fund account. Representative cities are Beijing, Shanghai, Guangzhou, Shenzhen, Harbin, Changchun, Shenyang, Taiyuan, Nanjing, Hangzhou, Baotou, Wuhan, Nanchang, Haikou, Jinan, Fuzhou and Kunming.

2. There are also cities that need continuous deposits 12 months or more to get loans, such as Tianjin and Changsha.

3. It should be noted that in some places, the purchase of policy housing is a provident fund loan, and the payment time may be different from that of ordinary housing. For example, in Beijing, borrowers need to continuously pay the provident fund in full 12 months or more.

Continuous purchase of housing provident fund for half a year, and meet the following basic conditions, you can apply for housing provident fund loans:

1. Have permanent resident status or other valid resident status in this Municipality and have full capacity for civil conduct;

2, has signed a legal and effective purchase contract or agreement, and agreed on the proportion of the first payment of the purchase price;

3. Have a stable occupation and income, and have the ability to repay the principal and interest on time;

How long can I borrow money to buy a house after paying the housing provident fund? Does the provident fund have to be more than 20 thousand to be used?

As we all know, after joining the company, the company needs to pay social security and housing provident fund to every employee regularly. The housing accumulation fund is paid by the company and half of it is borne by itself, which can be used to apply for personal housing loans or rent houses. How long can I borrow money to buy a house after paying the housing provident fund? Does the provident fund have to be more than 20 thousand to be used?

How long can I borrow money to buy a house after paying the housing provident fund?

Employees need to pay the provident fund for more than 6 months in a row before they can apply for a loan. The normal deposit here refers to continuous monthly deposit, early deposit and supplementary payment of housing provident fund, and the time for supplementary payment of housing provident fund shall not exceed three months.

However, the conditions in each region are somewhat different. For example, in Changsha, you need to pay the housing provident fund in full for more than one year before you can apply for a provident fund loan. Therefore, the borrower needs to consult the local specific rules, which shall prevail.

Provident fund loan purchase process:

1. The housing provident fund management center conducts a preliminary examination of the materials submitted by the applicant.

2. The applicant goes to the appraisal institution designated by the Center to appraise the value of the house purchased.

3. The applicant shall go to the center for loan review with the evaluation report issued by the evaluation institution and the preliminary examination materials required by the center.

4. After approval, the applicant shall go through the guarantee formalities according to the guarantee method chosen by him.

5. If the provident fund loan center allows the lender to lend, it is necessary to sign a loan contract at this time, and then formally express that the provident fund loan center and related banks are allowed to use the provident fund loan.

6. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract.

Does the provident fund have to be more than 20 thousand to be used?

Of course not. Users can apply for provident fund loans even if the balance of provident fund is less than 20,000 yuan. Whether users can apply for provident fund loans is not determined by the balance, but by the time of deposit.

How long does it take to pay the housing provident fund to get a loan to buy a house?

1. If the unit pays the housing provident fund, it needs to pay in full for 6 months before it can use the housing provident fund loan to buy a house;

2. If an individual pays the housing provident fund, it will take 1 year to pay it in full before he can use the housing provident fund loan to buy a house.

So if you meet the conditions for the unit to pay the housing provident fund, you can use it for half a year.

Extended data:

Housing accumulation fund 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, social organizations and their employees.

New rules/regulations

Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for housing provident fund personal housing loans. 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 center of the original deposit place.