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States fund the new deal: credit card two years overdue 6 no loans

Housing Fund Management Center of Central Government's latest, purchase the first set of owner-occupied housing loans, no longer considering the past year whether to extract the Provident Fund, when calculating the loan amount, minimum will be increased by 200,000.  But at the same time clear: loan borrower's credit card delinquency credit does not not.

States fund the new deal clearly overdue repayment of credit card such as the mortgage situation for the first time. Loan applicants and their spouses credit card delinquency credit also inadmissible applications. Lenders two years prior to applying for loans, either of the spouses is overdue for 6 and above, not loans.  New deal from the 12th of the month.

States fund the minimum loan amount increase of 200,000

new deal increases the support of Provident Fund loans.  Under which employees purchase the first set of owner-occupied housing loans, no longer considering the past year whether to extract the housing accumulation Fund, when calculating the credit, personal housing accumulation Fund account balances are calculated according to the 70,000 yuan less than 70,000 yuan.

earlier in March this year, States had relaxed about lending to fund a, the original provisions of individual account balances of less than 20,000 yuan calculated in accordance with 20,000 yuan, adjusting for individual account balance is calculated according to the 50,000 yuan less than 50,000 yuan. But only when the applicant is borrowing to buy first in owner-occupied housing, and do not extract within the housing accumulation Fund loan accepted the previous year.  Tube Provident Fund canceled the run of the country limits, and this minimum balance is also raised from 50,000 yuan to 70,000 yuan.

tube Provident Fund deposit when buying commercial employees, it tube line of Provident Fund loans from the Center, and directly related to the account balance. One application, approval of account balance by credit 10 times.  Due to the delimitation line of the previous balance was 50,000 yuan, the minimum loan of 500,000 yuan, following the increased minimum loan amount will increase to 700,000 yuan.

overdue credit card overdrafts without no loans

overdue repayment of credit card apply for mortgages are affected? The States be clear in the Provident Fund of the new deal. Central Government Housing Fund Management Center, said the States Fund perfect credit records using the standard.  Loans overdue loans outstanding and the spouse of the applicant, or have credit card and quasi-credit card overdue overdrafts is also inadmissible applications.

loan applicant and his spouse in the two years prior to applying for loans, and other loans (excluding loans) within 3 to 5 times in a row, its line of credit loans, housing Provident Fund Management Committee announced in Beijing on the basis of the maximum amount of 20%.  Loan applicant and his spouse in the two years prior to applying for loans, and other loans (excluding loans) overdue for more than 6 consecutive periods and no loans.

yesterday, the Beijing city Fund centers, municipal pipe Provident Fund there are no provisions in this regard.  In addition, it tube Provident Fund loan limit determined, mainly related to the applicant's monthly family income, Provident Fund deposit amount, loan term and so on, and account balances are not directly related.

two-room suite and policy is still in the original provisions

and provided for in the new deal, workers for the first time after the loan closing, you can apply again for a loan. The relaxation of this policy in June this year have been achieved, shall be closed before the loan for 5 years. But the new deal new, third and later apply for the use of loans, need a loan to settle on for 5 years.  This is not mentioned in the previous policies.

in addition, the States fund the provision, deposited in the field of housing accumulation Fund of Hukou in Beijing Central staff, buying first owner-occupied housing in Beijing, may apply for a loan.  

Central Government Housing Fund Management Center said the employees ' purchasing policy housing and second homes, still in the original provision.

States Fund also indicated that will optimize the loan services. Loan applicant and his spouse month deposit reached its limit of housing accumulation Fund, no longer provide proof of work. Employees also may be concerned about the central State organs, public housing fund management center official letter, ahead of the loan processing time.

 

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