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How to apply for loan of housing accumulation fund

How to apply for loan of housing accumulation fund

4hw.org: housing accumulation fund is a long-term housing savings fund jointly paid by the company or the unit and the employees. The purpose of housing accumulation fund payment is actually to facilitate the employees to apply for provident fund loans, so how does housing accumulation fund loan? Let's take a look at it together with the editor!

Provisions on the payment and deposit of housing fund: the following units and their employees (excluding foreign employees working in the following units) 1. Government agencies and institutions; 2. State owned enterprises, urban collective enterprises, foreign-invested enterprises, Hong Kong, Macao and Taiwan invested enterprises, urban private enterprises and other urban enterprises or economic organizations; 3. Private non enterprise units and social organizations Association organizations; 4. Permanent representative offices of foreign, Hong Kong, Macao and Taiwan invested enterprises and other economic organizations. Urban individual businesses and freelancers can apply for housing accumulation fund (Note: not every community city's housing accumulation fund management center allows urban individual businesses and freelancers to pay housing accumulation fund, please consult the local housing accumulation fund management organization for details). The proportion of employees and unit housing accumulation fund should not be lower than that of employees in the previous year 5% of the average monthly wage; in cities where conditions permit, the proportion of deposits can be increased appropriately. The specific deposit proportion shall be drawn up by the housing fund management committee and submitted to the people's Government of the province, autonomous region and municipality directly under the central government for approval after being examined and verified by the people's government at the same level. In principle, the monthly payment base of housing fund for urban individual businesses and freelancers shall be calculated according to the monthly average tax income of the depositor in the previous year. If a unit fails to handle the registration of housing accumulation fund payment or the establishment of housing accumulation fund account for its employees, the housing accumulation fund management center shall order it to do so within a time limit; if it fails to do so within the time limit, it shall be fined not less than 10000 yuan but not more than 50000 yuan. If the unit fails to pay or underpays the housing fund within the time limit, the housing fund management center shall order it to pay within a time limit; if it still fails to pay within the time limit, it may apply to the people's court for compulsory execution.

2. Conditions for housing fund loan: the basic conditions for applying for housing fund loan mainly include three aspects: loan object, loan purpose and basic conditions for housing loan.

3. Loan type of housing accumulation fund: the loan of housing accumulation fund is a preferential loan granted by the commercial bank to the depositor of housing accumulation fund who purchases, constructs, renovates, overhauls and cooperates with others to build a house. Individual housing fund combination loan: when the amount of housing fund loan is not enough to pay for the house purchase, the borrower applies for housing fund loan and at the same time, it also provides commercial individual housing loan to the entrusted bank, and the two parts of loan together constitute a combination loan. The housing fund loan in the portfolio loan shall be approved by the management center, and the commercial loan shall be approved by the entrusted bank The real estate developer signs the commercial housing mortgage loan cooperation agreement with the management center and the entrusted bank. The real estate developer provides the borrower with phased guarantee guarantee, and pays the deposit at a certain ratio of the total loan amount. After the completion of the mortgage registration of the property right certificate, the guarantee liability is ended and the purchased housing mortgage guarantee is transferred. The borrower shall apply to the management center for loan, and after approval, the entrusted bank shall sign a loan contract with the borrower and go through the procedures of using the loan. Replacement combination loan of individual housing fund: the replacement combination loan of individual housing fund refers to the commercial housing loan granted by the bank to the borrower (the employee who pays the housing fund), and then the entrusted bank applies for the reserve loan to the management center on behalf of the borrower. The loan limit of the borrower's provident fund shall be controlled within the basic loan limit of the borrower's provident fund and shall not exceed 70% of the commercial housing loan amount. The basic loan term of the borrower's provident fund shall be more than one year shorter than that of the commercial housing loan.

4. Loan limit of housing accumulation fund: the loan limit of housing accumulation fund is regulated according to the level, with a maximum of 800000 for A-level loan, 920000 for AA level loan and 1040000 for AAA level loan. The maximum loan life of provident fund is 30 years, which is subject to the age of both husband and wife. The age plus loan life cannot exceed 70, which is also related to the building age. The building age plus loan life of brick concrete structure cannot exceed 47, and the building age plus loan life of steel concrete structure cannot exceed 57 The specific loan limit is as follows: first, it shall not exceed the individual repayment ability, i.e. the sum of the borrower's monthly deposit / the borrower's public reserve deposit ratio + the borrower's spouse's public reserve deposit ratio / the borrower's spouse's public reserve deposit ratio & times; 50% & times; 12 (month) & times; loan period; second, it shall not exceed 70% of the purchase price of the first ordinary self owned house (the building area of the suite is 90 square meters)( Less than) shall not exceed 80% of the price of the house purchased Third, the borrower (including spouse) shall have the ability of monthly average income not lower than the minimum living standard guarantee of urban and rural residents after repayment of loan principal and interest. Term of housing fund loan: the maximum term of housing fund loan is 30 years. In principle, the sum of the borrower's age and the loan application period shall not exceed 5 years after the borrower's legal retirement age, i.e. male employees can be loaned to 65 years old, and female employees can be loaned to 60 years old.

Handling process of housing fund loan

When applying for housing fund loan, the lender shall submit a written application to the bank, fill in the housing fund loan application form and provide the following information truthfully:

(1) proof of payment of housing accumulation fund for the applicant and spouse;

(2) identity certificates of the applicant and his / her spouse (including resident identity cards, permanent residence booklets and other valid residence certificates), and marriage status certificates;

(3) proof of family stable economic income and other proof of creditor's rights and debts that have an impact on repayment ability;

(4) valid supporting documents such as contracts and agreements for the purchase of housing;

(5) the list of mortgaged property, pledged property, certificate of ownership, certificate of consent of the person with the right of disposition to mortgage and pledge, and the certificate of appraisal of mortgaged property issued by the relevant department;

(6) other information required by the provident fund center.

1. For the loan application with complete information, the bank shall accept and review it in time and submit it to the provident fund center in time.

2. The provident fund center is responsible for the approval of loans and timely notifying the Bank of the approval results.

3. The bank shall notify the applicant to go through the loan procedures according to the results of the approval of the provident fund center. The borrower and the husband and wife shall sign the loan contract and relevant contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted loan fund shall be transferred, and the entrusted bank shall issue the loan in full and on time according to the provisions of the loan contract.

4. In case of housing mortgage guarantee, the borrower shall go to the housing property right management department in the area where the house is located to go through the registration formalities of housing mortgage. The mortgage contract or agreement shall be signed by both parties. In case of securities pledge, the borrower shall deliver the securities to the management department or the Alliance Center for custody.