What are the loan conditions for Shanghai Providen

2022-07-22
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The provident fund decoration loan refers to the housing loan with the housing provident fund as the source of funds applied to the housing provident fund management center by the borrower who pays the housing provident fund in full and on time when purchasing, constructing and overhauling the self occupied housing. So, what are the conditions of Shanghai Provident Fund decoration loan? (poke me quick loan)

first of all, the conditions for applying for Shanghai Provident Fund decoration loan are:

1. The lender must have a permanent residence or valid residence status in this city

2. Push forward from the date of application, and continuously pay the housing provident fund in full for more than 12 months (only one person is allowed to loan if both husband and wife pay the provident fund)

3. There are contracts (agreements) and relevant materials in line with the legal provisions for the purchase, construction and overhaul of self occupied housing

4. A certain proportion of self raised funds. For the purchase of commercial houses and affordable houses, the self raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or houses built or overhauled, the self raised funds shall not be less than 30% of the total house price)

5. Have stable economic income and the ability to repay the principal and interest of the loan (monthly income certificate issued by the unit)

6. Agree to use the purchased housing or self owned housing with full property rights or the housing of a third party as collateral, or pledge with securities and bank certificates of deposit recognized by the lending bank, or provide guarantee by legal persons, organizations or third parties recognized by the lending bank

II. Application method of Shanghai Provident Fund decoration loan:

1. The lender must have a permanent residence or valid residence status in the city

2. Push forward from the date of application, and continuously pay the housing provident fund in full for more than 12 months (only one person is allowed to loan if both husband and wife pay the provident fund)

3. There are contracts (agreements) and relevant materials in line with the legal provisions for the purchase, construction and overhaul of self occupied housing

4. A certain proportion of self raised funds. For the purchase of commercial houses and affordable houses, the self raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or houses built or overhauled, the self raised funds shall not be less than 30% of the total house price)

5. Have stable economic income and the ability to repay the principal and interest of the loan (monthly income certificate issued by the unit)

6. Agree to use the purchased housing or self owned housing with full property rights or the housing of a third party as collateral, or pledge with securities and bank certificates of deposit recognized by the lending bank, or provide guarantee by legal persons, organizations or third parties recognized by the lending bank

tips: loans are a form of credit that lends money according to the expected annualized interest rate and repayment conditions. Lenders are divided into banks and credit institutions. The types of loans are divided into personal loans, automobile loans, housing loans, provident fund loans, consumer loans, credit loans, and unsecured loans. The specific positioning of the latest expected annualized interest rate of the loan in 2013: the short-term loan from half a year to one year is: 5.6% within 1.180 days (including 180 days); 2. 6% from 180 days to 365 days (including 365 days). 2、 The expected annualized interest rate of medium and long-term loans with one to more than five years is: 1 6.15% for one to three years (inclusive); 2. 6.4% in three to five years (inclusive); 3. 6.55% over five years. In response to the call of the state for personal credit investigation, quick easy loan recommends users to comply with the credit investigation requirements and relevant laws, so as not to affect the credit of loans and credit card applications

follow wechat official account: Xicai cat (zxdk243) can quickly apply for a loan

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