Now the house price is constantly rising. Buying a house will cost us a lot of money, so we don’t have the money to decorate when we decorate the house. At this time, we need to apply for a loan. The provident fund loan is a policy for employees. This kind of interest is relatively lower, then what are the conditions for the renovation of the provident fund loan? What is the approval process for the renovation of the provident fund loan? The following is a small series of the decoration home network to introduce to you.
I. Renovation of provident fund loan conditions
1. Have a permanent resident residence or a valid residence status, have a stable occupation and income, have good credit, and have the ability to repay the principal and interest of the loan on time to repay the housing provident fund;
2. Before the date of applying for the housing provident fund renovation loan, the individual and the unit shall pay the housing provident fund for more than half a year on time and in full;
3. The amount of housing provident fund renovation loan is calculated according to the building construction area. The amount of loan per square meter is determined according to the region where the applicant is located. The use of the public accumulation fund decoration loan must be used for decoration. As for whether the applicant has to sign a decoration contract with the decoration company, it depends on the specific provisions of the local provident fund center.
4. Have a certain proportion of self-raised funds. If you purchase commercial housing or affordable housing, the self-raised funds shall not be less than 20% of the total housing price (if you buy second-hand housing or build a house or overhaul your home, the self-raised funds shall not be less than 30% of the total house price)
5. Agree to use the purchased house or self-owned housing or third-person housing with full property rights as collateral, or use the securities approved by the loan bank, the bank deposit certificate to pledge, or the legal person, organization or the first approved by the loan bank. Three people provide a guarantee.
Second, the renovation of the provident fund loan approval process
1. Make an application. The borrowing applicant shall submit a written loan application and submit relevant information, which shall be accepted by the Construction Bank and submitted to the housing provident fund management department or directly to the housing provident fund management department.
2. Repayment on schedule. The borrower entrusts the Construction Bank to deduct the loan in installments or go to the counter of the construction bank according to the repayment plan and repayment method stipulated in the loan contract, and return the principal and interest of the provident fund loan on schedule.
3. Sign the contract. After the loan application is approved by the housing accumulation fund management department, the construction bank signs the loan contract and the guarantee contract with the borrower. Borrowers who choose the debit method must open a Dragon Card or savings account at the Construction Bank.
4. Contract changes. During the execution of the contract, the borrower may propose to the Construction Bank or the housing fund management department to change the loan term, repayment method, and early repayment. After the approval, the Construction Bank will handle the contract change procedures for the borrower.
5. Mortgage registration and insurance. In accordance with the loan contract and the requirements of the housing provident fund management department, the Construction Bank handles the procedures such as mortgage registration, contract notarization and housing insurance.
The housing provident fund is the relevant policy provided by the government for employees. The provident fund loan also needs to meet the requirements. Then, what are the conditions for the renovation of the provident fund loan and the approval process? I think you can understand these issues through the introduction of the above series. If you still want to know more about decoration, please continue to pay attention to the decoration home Internet cafe.
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