To apply for housing provident fund personal loans to eligible:

1, a town resident accounts; (outsiders needs a temporary residence permit or full)
2For the six month, before the loan should be continuous normal housing provident fund subscribers;
3Ability, have a stable income and repayment of loans;
4There is no provident fund loan debt and other outstanding amount is large, may affect the ability to repay loan debt;
5Apply for provident fund individual house purchase loans, the borrowers, shall be the purchase of the city owned independent housing, and the purchase payment amount not less than the prescribed proportion (now Yishoufang20%, second-hand housing30%); apply for provident fund personal construction, rehabilitation, overhaul loan borrowers, should the city has the ownership of the owner occupied housing is real need to build, rehabilitation, overhaul, and self raised funds no less than the construction, rehabilitation, overhaul housing all works30%.

First to the Shanghai provident fund to do review,Reconsideration by can loan.
Apply for provident fund review to start in the housing transactions. Under normal circumstances, the buyer and the seller signed the purchase contract (to a regular online for the contract after that, not).
The house--Sign the contract--Pay deposit--Check the provident fund loans--Signed the purchase contract--Apply for provident fund review--Apply for provident fund loans--Transfer--Others
After signing the purchase contract, if your provident fund loans need to review, can begin to review. There are two choices, one is to loan Guarantee Corporation for reconsideration, generally a week there will be results, one is to the city center provident fund directly handle, three working days results. To the Guarantee Corporation reconsideration have the advantage that you can understand how much you can borrow, Guarantee Corporation will inform you of the past to do direct loans in the review results. To the provident fund center review you will get the form, to the Guarantee Corporation to complete the formalities.
Material Science:Main man, spouse and other Senate ID card, residence booklet, marriage certificate, the purchase contract, relevant documents (for example: not for six consecutive months of the need to provide: the unit back list copy1A cover, units issued proof material seal or the personnel section1A)

1'what is the housing accumulation fund loan:
Of workers paid housing provident fund, in the purchase, construction, rehabilitation, overhaul occupied housing, housing provident funds can apply for loans to the housing provident fund management center. Housing provident fund management center shall, from the date of receiving the application15Days to grant loans or loans are not allowed to decide, and notify the applicant;To grant loans, the entrusted bank loan formalities. The risk of housing provident fund loans, borne by the housing provident fund management center.
'2'loan conditions:
AWith full civil capacity;
B, purchased, construction of housing, which is state-owned land have complete ownership of housing;
C, to purchase, construction of housing as collateral;
DUnits sold, agreed to provide security;
E, a stable income, have to be able to repay the loan principal and interest capacity;
F, no bad credit records, personal credit good;
G, agreed to apply for housing mortgage property insurance.
'3'loan process:
The public owned commercial housing and affordable housing provident fund loans are five steps:
(a)Comply with the conditions of the loan borrowers, the bank for the "provident fund provident fund loans(Or combination)Loan application form ".(b)Submit the "provident fund(Or combination)Loan application form "," provident fund deposit and proof of income ", couples ID card, residence booklet and other valid identity documents, proof of marital status(As required by the Civil Affairs Department of unmarried unmarried proof)The original and copy of certificate, other materials as required by the purchase contract and receipt of payment, the bank loan.(c)Signed the "provident fund(Or combination)Loan contract "," mortgage contract "and the lending bank request to sign other agreements documents.(d)Loans from banks or borrowers to real estate management for housing mortgage registration.(E)The central provident fund loan approval, disbursement of funds, loans the bank to transfer accounts transferred to developers, and notify the borrower.

Commercial loans to provident fund loans do Need what conditions

Can not turn, if you are a combination of loans, provident fund loans also end after filling, could be used provident fund business loan

Foreign accounts to buy a house in Shanghai to apply for provident fund loans have what conditions

Provident fund need to continuously meet the6Months before the good loans. Also need to have13A month before they can buy social security.

In what way can the Shanghai Hukou

11People in Shanghai can take the freeway
The people's Government of Shanghai City2010Years8"Pilot scheme" was established in Shanghai City, the introduction of talent's bid for permanent residence in the city, according to the measures, with doctoral education and obtain the corresponding degree or senior professional technical position qualifications of professional and technical personnel and management personnel, provincial and ministerial level and above the government encourage personnel11Such talents can be directly bid for permanent residence in the city.
The introduction of talent married, the spouse and minor children, can also account for migration procedures.

In line with the three conditions can apply for the registration of returnees
Human resources and Social Security Bureau website 2011Years1Month4DayPublished "returned to Shanghai's bid for permanent residence in the city to carry out detailed rules",At the same time have returned to direct to Shanghai; the employer and the students back to Our staff sign labor contract (employment) period of one year (including) above, the remaining contract period shall be six months (including) above; to set age from the statutory retirement age of five years3Conditions, returned overseas students Can apply for permanent residence in the city. The validity of the detailed rules for the implementation of the2015Years12Month31Day.

Graduates in non Shanghai scoring
2004Years, college graduates of non Shanghai students Jinhu employment for Shanghai city household will be scoring, all factors of applicants only higher than the total value of Shanghai City College Graduates Employment Office released"Standard score"Shanghai City, before they can apply for household registration.

What is the mortgage loan? Specifically how to operate?

Commercial mortgage loans and individual housing loans, is to set up the approval of the people's Bank of China commercial banks and housing savings banks, urban residents to buy Commercial loan process with ordinary housing loans, the implementation of the statutory lending rates.
When you have a mortgage to buy a house, you also will house mortgaged to the bank, the bank designated by the agency evaluated the value of housing, the corresponding loan to you. Signed loan contracts, loans and the purchase transaction need to provide identity cards, residence booklet, marriage certificate, sales contracts, real estate certificate, certificate, certificate of tax payment materials.

Ask to buy a house process, and need some what procedures?

1Purchase (buyer), are required to submit a couple or individual, on behalf of the repayment, the principal identity card and a copy of the original; residence booklet (collective registered permanent residence shall cover unit chapter); the marriage certificate or the unmarried certificate (photocopy); the format specification, provided by the bank; both husband and wife or a person, on behalf of the repayment, the principal ones; if the principal to handle, need to provide notarized power of attorney.
1Both parties submitted information:
(1) both in the "housing mortgage loan application form";
(2) both signed the "purchase";
2Buyers (borrowers) are required to submit data:
1Proof of income);
(2) proof of identity card and residence booklet and marital status;
(3Spouse identity card);
(4If the purchase by the corporation), need to provide the business license, certificate of representative, the company's articles of association, the capital verification report and the recent financial statements and credit certificate and other relevant documents;
(5) if the purchase were not permanent residence in Beijing, also need to provide temporary residence permits and the Beijing City Real Estate Trading Center opened documents.
3While people are required to submit data:
(1) while people (including a) identity card, residence booklet, or the entrusted notary attorney and ID card;
(2) housing has agreed to sell a written document;
(3) the sale of housing property certificate;
(4) if rental housing has, must provide the tenant documents and agreed to sell the file;
(5) if prices artificially enterprise legal person, the need to provide effective legal business licenses, certificates and other documents on behalf of people is best to go to the intermediary to consulting or management

How to open a first-time buyers to prove that? Where to start? Open what what should notice?

"First time buyers (access) to prove that this single" clear, the first suite must satisfy three conditions: people who buy a house18Old house is to buy90Flat and below the ordinary housing; real name is now without individually or jointly with others to buy houses. But with their parents to buy, buy in accordance with the housing reform policy, through inheritance or demolition resettlement obtained except housing.
The application suite for the first time, property buyers to the district and County Real Estate Trading Center, ID cards and purchase contracts (including pre-sale contracts for commercial housing, commercial housing sales contracts and real estate sales contracts). If buyers now have to purchase a home with parents, should produce proof of residence and other related applications. After the submission of related materials, the real estate trading center will be accepted from the date7Working days issued by first-time buyers to prove.

What is money? Loan where? Notice how?

Loan refers to, you in the purchase of housing at the same time to the bank loan, the bank will loan you the money later in the home bank account on loan. The section on the home bank account also will call you at the bank, has already received such notice shall, you'll see home has received money from the bank.

What is the tax refund? Under what circumstances will refund?

Tax rebate: is already paying business tax, personal income tax, or taxes, but in the end due to various causes can not transfer, take the invoice and tax rebates to trading center.

What is the provident fund extraction conditions?

Housing provident fund deposit workers can extract individual housing provident fund in accordance with one of the following conditions when
(a) the purchase of owner occupied housing has ownership. The applicant should (extraction is the property of the person, property of the spouse, lineal relatives or members of the household, extracting the effective period of production license issuance date6Months)
(two) self occupied housing construction, rehabilitation, overhaul with ownership. (for the rural homestead built houses or urban private)
(three) retired or arriving from the mandatory retirement age. Male sex60Years of age, female50Zhou Sui.
(four) completely or mostly lose labor ability, and termination of labor relations unit.
(five) accounts city or country resettlement.
(six) non Shanghai labor relations workers to move out of the city.
(seven) a one-time settlement of house purchase loans interest. (settle extraction is valid for closing date3Months, except for the use of provident fund settlement time)
(eight) repeat the establishment of personal housing accumulation fund account to be merged.
(nine) workers killed or declared dead, the heir or legatee may apply for the procedures for withdrawal.
More than two years of continuous unemployment, and the per capita monthly family income is less than that published the city workers the minimum wage; thus causing serious difficulties in family life, can extract housing accumulation fund for housing consumption.ƒI, spouses or immediate relatives seriously ill, illness;‚To enjoy the minimum living guarantee for urban residents;(ten) workers because of the following three situations:
By renting properties and month housing rental costs exceed the monthly wage income family20%The extraction of housing provident fund, can pay for housing rental expenses.ƒThe economic application of the housing;‚Enjoy the city low-cost housing policy;(eleven) workers because of the following three situations:

Provident fund loans

1Can not loan problems, whether you pay the provident fund is Shanghai provident fund loans, can be, if not can. In a word, where pay provident fund there can only be a provident fund.
2You need to check your provident fund account number base, base40Times, but the person is not more than30Million
3The term of the loan is Shanghai15Years

Provident fund loans

One, for the first time since the purchase of ordinary housing, and there are two or more borrowers to participate in the family, the maximum loan limit per household is still60Million yuan; if the supplementary housing accumulation fund, the maximum loan limit per household is still80Million yuan; only one person household loans, the maximum loan limit is still30Million yuan; if the supplementary housing provident fund, the maximum loan limit is still40Million yuan.
Two, the per capita housing area of less than the city average, another loan to buy the second set of ordinary from the housing, and there are two or more borrowers to participate in the family, the maximum loan limit per household for40Million yuan; if the supplementary housing accumulation fund, the maximum loan limit per household for60Million yuan; only one person household loans, the maximum loan amount20Million yuan; if the supplementary housing provident fund, the maximum loan amount30Million yuan. The speculative investment, the tight grasp of housing accumulation fund loan policy.

Extraction need to meet three conditions provident fund?

The extraction of housing provident fund account balance condition
1Purchase, construction, rehabilitation, overhaul owner occupied housing; Extraction of voucher
2, retired, retirement; Extraction of voucher
3, lose labor ability completely, and termination of labor relations unit; Extraction of voucher
4, to settle abroad, Hong Kong, Macao, and Taiwan regions; Extraction of voucher
5The principal and interest of the loan, repayment of housing; Extraction of voucher
6, was included in the minimum living guarantee for urban residents and pay the rent; Extraction of voucher
7Employee incumbency, was sentenced to criminal punishment, employee housing provident fund into focus sealed households after two years did not re employment
, staff accounts City, non city accounts of workers out of the city, and termination of labor relations unit.
Extraction of voucher
The extraction of housing provident funds limit
1Workers and their spouses, extraction of housing provident fund balance, can only extract the purchase contract or agreement signed a month
Ago (including monthly) or construction, rehabilitation, overhaul occupied housing approved the month before (including the public housing)
Provident fund balance of storage, and shall not exceed the purchase, construction, rehabilitation, overhaul occupied housing costs.
For example
2And their spouses, extraction of housing provident fund balance, shall not exceed the housing loan interest paid.
For example
3Workers and their spouses, extraction of housing provident fund balance, shall not exceed the implementation approach and be included in the
During the subsistence allowances paid the rent.
4The employee, can extract housing provident fund account balance of all storage, taking off workers individual housing
MPF account.