Recently received a letter from the calls, asked whether the purchase of affordable housing provident fund loans can be used, this reporter visited the provident fund management center, interested persons on issues of concern to readers to answer.
It is understood that the application of Tianjin economic orientation in the share of sales not small. Directional economic sales to buy housing loans should be applied to the purchase by the district housing the bank branch is located. The longest term loans up to 20. The purchase of ordinary affordable housing for housing provident fund (portfolio) and the purchase of commercial housing loan policy for housing provident fund (portfolio) the same lending policies.
Directional sales to buy affordable housing for the housing provident fund (portfolio) loan policies have eight attention.
First, the application conditions: with the land resources and the Housing Authority under the direction of economy housing sales to buy conditions before applying for loans for housing provident fund deposit in full for six months did not have the housing provident fund loans debt with full civil Capacity.
Second, the self-financing: the need to pay no less than the purchase price for all housing 30% of the self-financing.
Third, the duration of loans: a maximum loan period is 20.
Fourth, by way of security: to adopt the City Housing Fund Management Center and the lending bank approved the guarantee security, that is, from the Tianjin-home buyers to borrow a security company to provide a security guarantee.
5, the borrowers need to provide information: the borrower ID card; city residence booklet, or blue or temporary residence booklet printed cards; borrowers housing provident fund savings card; Branch of the people by virtue of housing provident fund savings card Print "housing accumulation fund for single - "And stamping operations branch seal; borrowers print the names of persons chapter; stamping management of real estate registration filing chapter" in Tianjin economic orientation to the sales contract for the sale "," real estate development enterprises in Tianjin Yu Shoukuan dedicated receipts " , And other cities housing accumulation fund management center and the lending bank to provide the requested additional information.
6, at the same time limit the use of the spouse, the need to provide: a spouse ID card; spouse housing provident fund savings card; branch of the spouse with the housing provident fund savings card printing "for single-housing accumulation fund" and seal stamping branch operations; marriage certificate or civil affairs departments Issuance of the marriage documents, or borrowers with household registration and residence booklet; spouses agree to the borrowers of their housing provident fund loans for the amount of loans "undertaking."
7, the loan process: the borrower a loan the necessary information to apply for bank loans, the lending bank loan review; borrower and the lending bank signed loan contracts and related contract or agreement for security procedures; housing accumulation fund management centre of the loans material For approval; loans to borrowers of the bank designated procedures.
8, the lending bank: personal housing accumulation fund loans for the purchase of targeted sales of economy housing workers, should be to purchase housing is located in the District Branch of the Construction Bank of procedures for the loans.
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