Housing Provident Fund How to get a Housing Provident Fund subsidized loan

From October 26, 2018, the Provident Fund Center began to implement the Housing Provident Fund subsidized interest loan policy. How can you get a Housing Provident Fund subsidized interest loan? To learn more about how to do a housing provident fund subsidized interest loan, follow me.

(a) acceptance outlets

housing fund subsidized loan business contractor bank for China Construction Bank, Bank of China, rural commercial banks 3, from now on the three contractor bank's provident fund loan business acceptance outlets can formally accept housing fund subsidized loan business.

(B) the subsidized interest object

subsidized interest loan application object is the provident fund employees in the new purchase of owner-occupied housing, and at the same time meet the conditions of the provident fund loan and the trustee bank commercial personal housing loan conditions of the borrower.

Employees who meet the conditions for provident fund loans can voluntarily choose to apply for a provident fund loan or provident fund subsidized loans; borrowers of provident fund subsidized loans, deemed to use the provident fund loans, the application of housing provident fund loans related policies and regulations.

(C) discount rules

1. Provident fund loan discount follows the principle of first payment after the discount. Borrowers first commercial housing loan interest rate to return the loan principal and interest, discounted payments by the CPF center in the repayment of the next month commissioned by the contractor bank to the borrower's repayment account, commercial loan interest rates exceeding the national benchmark lending rate of the part of the interest rate is not to be discounted.

2. The borrower occurs one of the following circumstances, the provident fund center has the right to terminate the subsidized interest, and this provident fund subsidized loans can not be converted to provident fund loans:

(1) the borrower to the provident fund center or the bank to provide false, lapsed, illegal information to apply for a loan;

(2) the borrower for three consecutive months or a total of six months of the occurrence of the loan is overdue;

(3) the borrower died

(4)The mortgaged house is restricted or disposed of by the relevant judicial authorities in accordance with the law.

3.3 Contractor banks only accept commercial and provident fund subsidized combination loans, other loan conditions in accordance with the relevant provisions of the Guangzhou Housing Provident Fund loans.