The term "second suite" is familiar to everyone. Can I apply for a housing provident fund loan to buy a second commercial house? Many buyers have some doubts. Thank you for visiting "Loan Policy for Second Home Provident Fund in Hainan Province, Process and Conditions for Buying a House with Provident Fund Loan". The following is the relevant information of previous years, and this description is used temporarily. If there is any change in the specific content, please refer to the announcement of official website.

The second set of housing provident fund loan policy:

First, relax the loan conditions and shorten the deposit time of housing provident fund. 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. If the housing provident fund is paid in different places and less than 6 months in the city provident fund center, the payment time can be calculated according to the payment certificate issued by the original provident fund center.

2. For families who purchase the first ordinary self-occupied house by loan, the minimum down payment ratio of the loan is 30%. For workers' families who own 1 apartment and have settled the corresponding housing loans, apply for loans again to buy ordinary commercial housing and implement the first home loan policy. For the families of workers who buy the third and above houses, no housing provident fund personal housing loans will be issued. When applying for a loan, the employees who have handled the house purchase and extraction business should provide the family housing certificate issued by the municipal real estate archives to determine the number of housing units owned by the employees' families.

Three, improve the housing provident fund personal housing loan amount, increase the support for employees to buy houses. The maximum loan amount for new commercial housing loans is 800,000 yuan, and the maximum loan amount for second-hand housing loans is 700,000 yuan.

What is the loan amount and loan ratio of Haikou provident fund in 2022? How to withdraw Haikou provident fund

Many friends in Haikou want to know how to calculate the loan amount of Haikou provident fund. In this paper, I help you sort out the relevant knowledge and promotion methods of Haikou provident fund loan.

First, Haikou provident fund loan application conditions

1. The applicant must continuously and normally deposit the housing provident fund for more than 6 months (inclusive), and the individual housing provident fund account is in a normal deposit state, and keep the deposit balance for not less than 6 months (6 times of the deposit amount in the current month). The form of overdue payment and one-time payment is not regarded as continuous deposit.

2 have a stable economic income and the ability to repay the principal and interest of the loan on time, and have full capacity for civil conduct. Usually, the average monthly income of the applicant (and his spouse) should be greater than or equal to twice the monthly repayment amount.

3. If the owner-owned house is purchased, built, renovated or overhauled within the statutory time limit and the house is used for residence (except villas), it shall be determined according to the purchase contract or the certificate of immovable property rights.

4. The applicant and his spouse have no bad credit records in the housing provident fund management center and the central bank's credit information system within two years.

5. Employees' family members (including applicants, spouses and minor children, the same below) housing units and housing provident fund loan units meet the conditions of "recognizing housing and recognizing loans". "Recognition of housing" refers to the number of housing units in Haikou, and "recognition of loans" refers to the number of housing provident fund loans (including personal credit reports or deposit certificates and other housing provident fund loan records).

6, housing provident fund management center recognized as collateral housing.

7. Those who have applied for commercial individual housing loans to housing provident fund loans shall comply with the conditions of housing provident fund loans and relevant laws and regulations.

8. The down payment of not less than the legal proportion has been paid. If employees need to apply for portfolio loans at the same time, the down payment ratio of the provident fund center and the bank shall prevail.

Second, Haikou provident fund loan materials

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

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

(four) the purchase of housing contracts, agreements and other valid certificates;

2022 Haikou provident fund loan conditions and requirements

2022 Haikou provident fund loan conditions and requirements

2022 Haikou provident fund loan conditions and requirements, when employees apply for a loan, the monthly repayment amount of the loan shall not exceed 50% of family income. Monthly repayment amount is only calculated as the monthly repayment amount of provident fund loans. 2022 Haikou provident fund loan conditions and requirements.

2022 Haikou provident fund loan conditions and requirements 1

Conditions for handling Hainan provident fund loans

1. Have full capacity for civil conduct and legal and valid identity documents;

Two, the individual housing provident fund account for continuous full deposit of housing provident fund for more than 6 months, and the deposit status is normal;

Three, has not yet reached the national statutory retirement age;

Fourth, good credit;

Five, have the ability to repay the loan principal and interest;

Six, the family has no outstanding provident fund loans;

Seven, has paid or invested not less than the prescribed proportion of down payment or self financing;

Eight, in accordance with the housing provident fund management institutions and the entrusted bank agreed to guarantee, and can timely implement the guarantee;

Nine, meet other conditions stipulated by the housing provident fund management institutions.

To apply for portfolio loans, the following conditions shall be met at the same time:

1. Comply with the relevant provisions of the entrusted bank housing provident fund loans and personal housing commercial loans;

Two, the housing provident fund loan amount does not exceed the housing provident fund personal housing loan limit standard;

Three, personal housing commercial loans and housing provident fund loans for the same period;

Four, personal housing commercial loans and housing provident fund loans guarantee the same way.

Full name of provident fund: Housing provident fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

2022 Haikou Provident Fund Loan Conditions and Requirements II

Loan process

1. The borrower applies to the directly affiliated bureau for the Approval Form of Housing Provident Fund Loan Application, and the service window staff will inform the required information at one time.

2. The borrower shall submit materials to the directly affiliated bureau.

3, directly under the bureau for approval.

4. The borrower signs a loan contract and a loan guarantee contract with the entrusted bank.

5. Go through the mortgage (pledge) formalities.

6. The entrusted bank issues loans.

7. Post-loan management.

Loan information

1, housing provident fund loan application approval form in duplicate;

2. Two copies of the ID cards of the borrower and his spouse;

3. Proof of marital status: 2 marriage certificates for married people; Divorce provides 2 copies of divorce certificate; Unmarried persons are required to provide 2 original unmarried certificates.

4. Two copies of the down payment invoice that the borrower has paid not less than 20% of the total price of the purchased commercial house or the fund-raising house of the unit; Two copies of the bank slip that the borrower has paid the down payment of not less than 40% of the total price of the purchased second-hand house; Two copies of the certificate that the borrower has paid not less than 50% of the total price of the self-occupied housing built, rebuilt or overhauled.

5. Two originals of the economic income certificate or other solvency certificate provided by the borrower and his spouse.

6, the borrower and his spouse's housing provident fund personal account list 2 copies each.

2022 Haikou provident fund loan conditions and requirements 3

Guide to prepayment process of Haikou housing provident fund loan

(1) Handler:

1. Before repaying the loan in advance, to inquire about the remaining loan amount, call the hotline of the provident fund management center and enter part of the prepayment amount according to the voice prompt. Then, the user brings his ID card to the local provident fund management center to apply for the prepayment amount.

2. The user chooses to fill in the application form according to the repayment amount. For full repayment, fill in the Application Form for Early Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, and for partial repayment, fill in the Application Form for Early Repayment of Housing Provident Fund Loan of Housing Provident Fund Management Center, and then the staff will sign and seal it and provide corresponding materials.

3. Next, the applicant's application will be transferred to the corresponding entrusting bank for approval.

4. After the approval of the bank, it is followed by the approval of the housing provident fund management center.

After receiving the notice of successful approval, the applicant can go to the bank to repay the repayment amount and interest.

6. After the prepayment is successful, the user needs to submit the prepayment form to the local housing provident fund management center for the record.

(2) Application conditions:

1. The loan has been successfully extended for more than half a year;

2. The applicant is not overdue in the current state;

3. The applicant shall sign the "Application Form for Early Repayment" for confirmation, and the acceptance outlets shall add comments and seal;

4. If the applicant fails to repay in advance due to insufficient balance in the repayment account, it needs to apply again.

(3) Application time: Apply within the fixed repayment date and two days before and after (five-day period).

This is the end of Haikou provident fund loan policy and Haikou provident fund loan policy. I wonder if you have found the information you need?