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Some of my friends who go to work still have some people. When I am renovating the house, I am more concerned about the provident fund for loan decoration . Our friends can not make a loan for the renovation of this provident fund. To tell us, can our loan provide for the renovation of the provident fund? The provident fund can be decorated with some features, as well as the application methods and precautions.
First, the characteristics
1. The loan interest rate is low. The provident fund loan is 1 percentage point lower than the bank loan interest rate. The 1- to 5-year provident fund loan interest rate is: monthly interest rate 3.0‰, annual interest rate 3.6%; bank loan interest rate: monthly interest rate 3.975‰, annual interest rate 4.77%. The interest rate of the five-year or more provident fund loan is: monthly interest rate 3.375‰, annual interest rate 4.05%; bank loan interest rate: monthly interest rate 4.2‰, annual interest rate 5.04%.
2. The insurance premium is low. The amount of insurance coverage is low: the provident fund loan is insured according to the loan amount, and the bank loan is fully insured according to the purchase price; the insurance premium rate is low: the provident fund loan insurance premium rate is 1-10 years, 0.5‰; 11-20 years, 0.4‰. Its calculation formula: insurance premium = loan principal × rate × loan years.
3. The notary fee is low. The provident fund loan is only charged at 80 yuan per pen.
4. The cost of the work is low. The provident fund loan is only charged 35 yuan per piece.
5. There is no legal fee or agency fee for the provident fund loan.
Second, the application conditions
1. The city's housing provident fund will be paid in a continuous manner six months before the loan is applied for.
2. It has full civil liability and has the city's permanent residence or blue-printed residence (non-agricultural).
3. Have a stable economic income and the ability to repay the principal and interest of the loan.
4. The borrower must be a property owner of a large (installed) repair house and sign a project implementation contract with a formal decoration company.
5. The spouse of the borrowing applicant and the direct blood relative of the same household as the co-borrower of the housing provident fund can participate in the calculation of the reserve loan amount.
6. The collateral is a self-occupied housing for the borrower to perform personal large (installation) repairs and has full personal property rights.
Third, matters needing attention
1. If there is a real need for decoration in the home, you can go to the real estate guarantee in each district. If you are cashing, you can find an acquaintance in the real estate guarantee company, or find a mortgage agent and a lending institution.
2. If someone on the production certificate cannot be present at the time of signing, it is necessary to apply for notarization, and the notarization will delegate the mortgage of the house and the handling rights of the loan to others.
3. When handling, TF should do the shop-to-shop ratio, especially the normal TF. Generally, it is not difficult to apply for the provident fund decoration loan. Any intermediary can make it, and it depends on which price is more affordable.
4. At present, the quota for the settlement of construction fund loans is generally 1,000 yuan per square meter, and may be further relaxed to 2,000 yuan per square meter in the future. Once the opening of 2,000 yuan per square meter, the processing costs will be relatively increased.
5. As with normal commercial loans, the provident fund renovation loan generally requires the lender to have a good credit record. In the past, there should not be too many overdue records of credit repayment, otherwise it will lead to an increase in the handling cost.
6, the provident fund renovation loan did not pay back can not apply for a new provident fund housing loans, so the short-term TF needs to buy a house is not easy to do a provident fund renovation loan.
7. The first two months of repayment of the provident fund refinancing loan is to require the cash to be remitted to the repayment account before it can be used to offset the CPF. After the loan is obtained, do not take all the accounts in the account, leaving at least 2 months of repayment. The amount, so as not to cause a repayment default.
Now everyone sees that our provident fund can be loaned for renovation? Everyone understands that this provident fund can be loaned for renovation. It is completely feasible, but our friends should also pay attention to the provident fund for loan renovation. There are application conditions and precautions. Everyone still wants to know more about decoration information, and pay attention to the decoration home network.
More related wonderful reading:
Second-hand housing renovation loan process second-hand housing renovation loan considerations
Is it a good application for a public housing renovation loan? how to apply?
Is the decoration loan cost-effective? Which way is the decoration loan good?
How to apply for a renovation loan? Renovation loan application process
How to make a loan for renovation? Decoration loan knowledge guide
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