What conditions are required for 2017's provident fund loan? Has the charge for handling provident fund loan been cancelled
4hw.org: food, clothing, housing, common people's most important business, and housing is a big business for many people. Now many people need to apply for housing provident fund loans. Do you know what conditions are needed to apply for housing provident fund loans? Let's learn about the things about public reserve loans together!
Is it true to cancel the fees for handling provident fund loans
According to the notice on the development of individual housing loan business of housing accumulation fund jointly issued by the Ministry of housing and construction, the Ministry of Finance and the people's Bank of China, such charging items as the insurance of individual housing loan of housing accumulation fund are cancelled. It is estimated that if you have a provident fund loan of 500000 yuan, you can save at least 8750 yuan. If you have a provident fund loan of 800000 yuan with a term of 20 years, you can save at least 14000 yuan. When you go to do the provident fund loan, you must ask clearly!
Conditions and requirements of 2017 provident fund loan
1. The borrower's provident fund must be continuously deposited for more than 6 months (including 6 months) before applying for provident fund loan.
2. The borrower shall bring the property right certificate, the original invoice, the original commercial housing sales contract (the second-hand housing with the agreement of both parties) to the housing accumulation fund for review. If the application form for loan is approved, fill in the personal data and loan related data in duplicate with pen (black) and carbon pen according to the contents of the form. If it is not scraped or modified, it will be invalid.
3. The borrower may have a joint repayment person, and the joint repayment person is limited to husband and wife only. The joint repayment person shall also fill in the personal information in the loan application form in detail.
4. The joint payer must go to Hailar management department together with the borrower to go through relevant formalities, otherwise it will not be handled.
5. The loan term is calculated by deducting the borrower's age from the legal retirement age of the state, i.e. 60 for men and 55 for women.
6. If the personal salary of the applicant meets the loan regulations, there is no need for joint repayment.
7. The loan information must be completed in neat handwriting, and shall not be written in series or simply, otherwise it will not be handled.
8. The part signed by the borrower or the joint repayment person must be signed in the presence of the staff of Hailar management department, otherwise it will not be handled.
Advantages of handling provident fund loans
Advantage 1: low loan interest rate
In August, the national average interest rate of commercial loans has risen to 5.12%, while the interest rate of provident fund loans over five years is 3.25%, which is nearly 2% lower than that of commercial loans. Low interest rate means that the total interest paid is low, and the total purchase cost is low, which is the biggest advantage of provident fund loans.
Advantage 2: no liquidated damages for prepayment
In addition to the low interest rate, the provident fund also has the advantage of not receiving liquidated damages in prepayment. Generally, the borrower can apply for prepayment at the end of one year after the provident fund loan is released. Some cities stipulate that the amount of each repayment should not be less than the principal and interest amount of the housing provident fund loan for six months. The regional differences of the provident fund loan policy are large, and the local provident fund center should be consulted specifically.
Advantage 3: can be extracted in advance
We know that the accumulation fund can be used not only to buy houses, but also to rent, build, rebuild and overhaul houses with independent property rights. Some cities also stipulate that the accumulation fund can be used to pay property fees. It can be said that if the accumulation fund is used flexibly, it will be very helpful to solve the housing problem of employees.
Advantage 4: personal ownership
As for the accumulation fund, it is not clear to many people. It belongs to the personal property of the employees. For married people, it is also disposed as the joint property of husband and wife. Those who buy a house with commercial loans can apply for withdrawing the accumulation fund to repay the house loan and relieve the loan pressure.
Advantage 5: capital can be doubled
When depositing the accumulation fund, the employees and the company should pay the same proportion. For example, the base of deposit is 8000 yuan, and the deposit proportion is 20%. Then the fund in the accumulation fund account is the sum of the employees and the company's deposit, which is 8000x20% + 8000x20% = 3200 yuan, and the fund in the accumulation fund account can be doubled.