New deal for Ji'nan Provident Fund: new materials will be available when the application materials have just been handed in.
Shun Net - Ji'nan times
in August 27th, Ji'nan introduced a new policy of provident fund, not only the upper limit is raised to 600 thousand yuan, but also increased. Second ways of calculating the amount of money that benefit young people are added. Many people call to consult various questions, for example, if the application materials have just been handed to the bank, they can not enjoy the new deal.
just hand in a loan application material, can you take a new deal?
if the public loan material is still in the bank, you can apply for the extension of
Mr. Li of the public. Mr. Li has signed with the bank 10 days ago. The application materials of the provident fund loan are also submitted at that time. I need to borrow 600 thousand, the policy when the material is submitted. Our husband and wife can only borrow 500 thousand, the rest of the 100 thousand ready loans, if the new policy is not required to carry out business loans, now how to do?
Construction Bank of Ji'nan Spring City branch of a loan manager introduced, the bank will submit the fund loan application material first trial, passed after pass to housing The provident fund department is approved by the latter. Like Mr. Li, we should first contact the bank's personal loan manager to confirm whether the current application materials are submitted to the provident fund management center for approval. Ji'nan provident fund management center responsible person said that if the material is still in the bank, it can be asked to postpone the report if it has been submitted to the housing provident fund center related departments, according to the national policy requirements for approval, the general examination and approval time in 3 days or so.
the person in charge reminded that if you want to make loans according to the new deal, you can contact the loan manager who is responsible for his own house loan and apply for a delay in a timely manner. Under normal circumstances, as long as the loan applicant put forward the extension materials, there should be no problem. A loan manager of China Merchants Bank said.
a second-hand house just signed, can catch up with the new deal?
both sides can pay attention to the extension of the loan agreement time
a set of houses just signed a few days ago, also caught up with the new policy. In the interview, the broker of a real estate agency in Jianshe Road, in the Middle District of the city, said that there would be a separate contract in the second-hand housing contract to deal with the loan time, and the format was similar to a certain time for the buyers to go through the loan procedures.
the above brokers said that in August 6th, when the provincial government released guidance on the extraction of provident fund loans, Mr. Gao and Ms. Liu relaxed the appointment time for the loan in the contract, which was set to be October 25th. The total price of the set of real estate is 1 million 100 thousand yuan, and Mr. Gao has paid 500 thousand yuan in the first period. The remaining 600 thousand yuan can be handled according to the latest ceiling amount and calculation method after the new policy is implemented.
the industry said, relative to the new housing, second-hand housing transactions more flexible, real estate buyers and sellers can draw on the agreed extension of the loan method, to facilitate the buyer to lend more money.
the new political meeting and the gold nine silver ten wipe out what spark?
or Kim Gu busy series of silver ten procedures situation
adjustment of the amount of the fund loan, especially the calculation method of the tilted amount of young people, will bring more visitors to our building. A marketing manager in Western Ji'nan said that the overall price of the western building is relatively low. It is more attractive for the newly needed family. A set of 800 thousand yuan houses is a common one in West City. The first payment is about 200 thousand yuan, and the accumulation fund of 600 thousand yuan is basically not combined. Mr. Li, who has been engaged in real estate development for 10 years and is currently working in a large housing enterprise in Ji'nan, said the new deal began to be implemented in mid October. The preferential policies of the golden nine silver ten market peak season must be covered. Kim Gu is busy looking for houses and silver ten in the second half of the month.
on the basis of the original expected housing crowd, a group of later housing demand will be released in advance. Mr. Li said that as the new policy of provident fund has increased the loan amount formula two, that is, the loan amount of the borrower or the common repayment person provident fund = the basis number of the monthly deposit of my Provident Fund (the average number of the last 6 months) * 12 * * loan fixed number of years x 50% X by myself can allow the short young people to pay more money to make this People buy a house in advance. Just half a year of white-collar small CAI and her husband, use this formula to calculate down, the total can loan 600 thousand yuan, two people decided this year gold nine silver ten will start to see the house, have the right hand, save next year price rises again.