Detailed explanation of the common loan in Ji'nan
source:
Shandong Ji'nan provident fund new deal has been formally implemented, to find a non relative as a "common repayment" common loan, to improve the amount of public loans, a lot of public consultation, through the choice of "joint repayment of people" to improve the way What are the requirements of the loan amount and the "common repayment person"? What responsibility will there be? Will it affect the future purchase? What are the conditions for the
"the common repayment person must have no housing provident fund loan balance at present, and can't use the provident fund loan before the loan is cleared up." Room. " Ji'nan housing provident fund management center of the relevant responsible person, the joint repayment of the loan holders also need to provide home housing query proof, if the joint repayment person has two sets or more property, can not participate in the provident fund loan. The policy requires the borrower to find only one joint payer to calculate the loan amount in addition to the household members (spouses, parents and children). In addition to the joint and several liability for repayment of housing accumulation fund loans, the common payer will also execute the loan restriction policy of the housing accumulation fund loan with the borrower.
the reporter learned that the "common repaid person", like a borrower, needs a stable career and income, a good credit, the ability to repay the interest on time and the establishment of a provident fund system for more than 6 months. What materials should be prepared by
, so, after meeting the conditions of the common repayment person, what materials should be prepared by the common repayment person? The staff of the Ji'nan housing provident fund management center said that when the housing provident fund loan is handled, the common repayment person needs to provide the identity of the resident. Certificate, the original account book and the copy, the marital status certificate (married for the copy of the marriage certificate, the other cases are proved by the unit or the police station), the personal credit certificate provided by the unit of the joint repayment, the valid guarantee certificate and so on. In addition, an important "book" needs to be provided by a common repayment person, that is, a common repayment promise, which can be downloaded from the Ji'nan housing provident fund management center.
"as to whether or not to repay the monthly payment together, this requires the borrowers to discuss with themselves, as long as they remember to loan accounts every month." The staff said that the common loan also needs to meet the calculation standard of the repayment ability, that is, the borrowers and the joint repayers may not be paid more than 60% of their monthly income.
related cases
key words: house property ownership
case 1: Xiao Ming and girlfriend Xiaohong are ready to marry, but the mother of the mother-in-law must have a suite first, Xiao Ming and Xiao Hong discuss the first loan to buy a house. Helpless working years are not enough, Xiao Ming's loan amount is not enough to support the house, and after the small red business, let the small red as a common repayment person, combined to calculate the loan amount for the purchase. Is this house a premarital property?
analysis: in this case, it belongs to "non relatives" as a common payer. If one of the unmarried parties applied for a fund loan to buy a house, the other is a common repayment person, then, is the party as a common repayment person enjoy the property right? The person in charge of the Ji'nan housing provident fund management center said that the ownership of the housing property is not related to the property rights of the joint repayment, the fiancee is a common repayment person, and Whether it will pay the loan or not, if it does not write the name to the property certificate or the purchase contract, it will not own the property right of the house. If the joint payers do have the money to repay the loan, it is only the relationship between the two sides.
keyword: Loan years
case two: 25 year old Xiao Ming wants to buy a house, but the loan amount is too small, to find the uncle as a common repayment person, used to improve the loan amount. Uncle no property, the future does not intend to buy a house, but the uncle is only two years from retirement, Xiao Ming is still able to loan for 30 years?
: "absolutely". The head of Ji'nan housing provident fund management center said that although according to the requirements of the provident fund policy, the longest period of the provident fund loan is not more than 30 years, the longest is not more than 5 years after the legal retirement age of the borrower, the common repayment and the guarantor, but the year of the loan is determined by the age of the main borrower, that is, the case is small and medium. The age of Ming, as the uncle of a common payer, can only satisfy the loan conditions.