Foreign household registration in Ji'nan needs to be guaranteed to buy a house and buy a house
"foreign domicile in a foreign house needs a guarantor?" "do you want to go to business?"... After the housing provident fund new deal fell to the ground, many people are not aware of the loan, some details of the problem. Recently, Zhang Peili, deputy director of the Ji'nan housing provident fund management center, answered these questions.
doubt 1: how to operate foreign loans?
the first case: household registration in Ji'nan, provident fund deposit is not in Ji'nan.
according to the current policy, the person can apply for the purchase according to the normal procedures. The amount of the loan and the amount of the loans you enjoy are the same as that of all the workers in Ji'nan.
second situations: household registration is not in Ji'nan, provident fund is paid in other cities in the province.
in accordance with the current policy of Ji'nan, in addition to all the procedures required by the loan, the person also needs to find a guarantor. The guarantor must be a permanent resident of Ji'nan with a stable income. The identity of a guarantor does not affect the qualification of a loan application. "The guarantor can also be changed according to the contract stipulations, but he also has to bear the corresponding joint legal liability."
in any case, the application for a foreign loan in Ji'nan needs to be provided by the provident fund center and the non provident fund certificate issued by the central provident fund center, as well as the home property inquiry certificate issued by the housing property registration department and the housing property registration department.
question 2: "business transfer public"?
in the face of the more and more loose policy of the provident fund, some people who have already handled commercial loans have begun to "heart". Many people ask questions: how does the new deal fall to the ground? How to operate the "business transfer public"?
Zhang Peili said, "commercial transfer public" is still in accordance with the provisional measures for housing loan to housing provident fund in Ji'nan. In simple terms, it is the "four threshold", that is, the loan bank agreed, reached the minimum repayment time, the property certificate has been handled, the purchase of housing has been in line with the conditions of the public loan.
"this is almost impossible. We expect the new policy of" Shang Gong Gong "to arrive early. Some people say.
question 3: how long will the disconnection affect the loan?
there is a question of the citizens: in April 2015 and May, because of the disconnection of the work provident fund, to the September payment, can this be recognized as a normal and continuous payment? And in September, because of the failure of the unit's financial system, in October, is it possible to make a loan in November? Br / > in accordance with the relevant provisions, 6 months or more can be applied for housing provident fund personal loans. For the replacement of the workers, as long as the individual in 6 months can be paid as a normal payment, as long as the unit in 3 months as a whole made up, is the normal deposit.