First, what is individual housing loans secured by »
Individual housing loans secured by (the loans) refers to the Guangzhou City housing fund management center and the respective sub-centres (hereinafter referred to management centre) use of the housing reform funds, commissioned by the bank to the purchase of owner-occupied housing (including construction, overhaul, the same below) of housing Provident fund deposit of retired workers and payment of loans. Loans by the borrower or a third person to provide property collateral and guarantee secured a third person, or property collateral and purchase comprehensive insurance, or property used as security guarantees, or jointly and severally liable guarantee security.
Second, the object of loan conditions and what is »
Loans: to live in the city since the purchase of housing, while in the housing provident fund management center deposited with the housing provident fund deposit and Huijiao units of retired workers.
Loan conditions:
1. Guangzhou cities and towns with permanent residence status of accounts or effective;
2. A stable job and income, have the ability to repay the loan principal and interest;
3. With the purchase of housing contracts or related documents;
4. Management Centre agreed to provide security;
5. Management Centre under other conditions.
Third, the loans have limits? »
. The maximum loan limit determined in accordance with the following aspects:
1. Line of credit and housing provident fund linked to the amount deposited. The purchase of housing reform (in the premises or the sale of public housing), Anju Fang affordable housing and economic workers, single maximum loan amount not exceeding the trade union and its co-applicants in the management of housing accumulation fund balance of the deposit center (for the borrower The balance calculation, the same below) of 15 times. The purchase of commercial housing of workers, single maximum loan amount not exceeding the trade union and its co-applicants in the housing provident fund management centre balance of the deposit of 10 times. Loan applicants and co-applicants in the housing provident fund management center deposited with the balance of less than 3,000 yuan to 3,000 yuan terms.
2. Single line of credit to purchase houses not more than 80 percent of assessed value, not more than 300,000 yuan.
3. Retired workers of the single maximum loan amount under the retired workers and its co-determine the applicant's income level, while the purchase of housing no more than 80 percent of assessed value, not more than 300,000 yuan.
Fourth, how to determine the duration of loans the »
Loan period from management centre and borrowers agreed to a maximum of 25.
5, how to determine lending rates »
Lending rate is determined in accordance with state regulations in the housing provident fund interest rate increases on the basis of provisions of interest rate differentials.
6, the lending rate is fixed? »
During the loans, interest rates are not fixed, as the housing provident fund interest rate adjustments and adjustments. After adjusting interest rates, borrowers should, in accordance with the new loan repayment rate.
Individual housing loans secured by (the loans) refers to the Guangzhou City housing fund management center and the respective sub-centres (hereinafter referred to management centre) use of the housing reform funds, commissioned by the bank to the purchase of owner-occupied housing (including construction, overhaul, the same below) of housing Provident fund deposit of retired workers and payment of loans. Loans by the borrower or a third person to provide property collateral and guarantee secured a third person, or property collateral and purchase comprehensive insurance, or property used as security guarantees, or jointly and severally liable guarantee security.
Second, the object of loan conditions and what is »
Loans: to live in the city since the purchase of housing, while in the housing provident fund management center deposited with the housing provident fund deposit and Huijiao units of retired workers.
Loan conditions:
1. Guangzhou cities and towns with permanent residence status of accounts or effective;
2. A stable job and income, have the ability to repay the loan principal and interest;
3. With the purchase of housing contracts or related documents;
4. Management Centre agreed to provide security;
5. Management Centre under other conditions.
Third, the loans have limits? »
. The maximum loan limit determined in accordance with the following aspects:
1. Line of credit and housing provident fund linked to the amount deposited. The purchase of housing reform (in the premises or the sale of public housing), Anju Fang affordable housing and economic workers, single maximum loan amount not exceeding the trade union and its co-applicants in the management of housing accumulation fund balance of the deposit center (for the borrower The balance calculation, the same below) of 15 times. The purchase of commercial housing of workers, single maximum loan amount not exceeding the trade union and its co-applicants in the housing provident fund management centre balance of the deposit of 10 times. Loan applicants and co-applicants in the housing provident fund management center deposited with the balance of less than 3,000 yuan to 3,000 yuan terms.
2. Single line of credit to purchase houses not more than 80 percent of assessed value, not more than 300,000 yuan.
3. Retired workers of the single maximum loan amount under the retired workers and its co-determine the applicant's income level, while the purchase of housing no more than 80 percent of assessed value, not more than 300,000 yuan.
Fourth, how to determine the duration of loans the »
Loan period from management centre and borrowers agreed to a maximum of 25.
5, how to determine lending rates »
Lending rate is determined in accordance with state regulations in the housing provident fund interest rate increases on the basis of provisions of interest rate differentials.
6, the lending rate is fixed? »
During the loans, interest rates are not fixed, as the housing provident fund interest rate adjustments and adjustments. After adjusting interest rates, borrowers should, in accordance with the new loan repayment rate.
No comments:
Post a Comment