1. What is the down payment ratio of a house in the name of Dalian Provident Fund without a loan in 2023?

The answer is: In 2023, the down payment ratio for houses in the name of Dalian Provident Fund without loans will be 60%. Because according to the management regulations of the Dalian Housing Provident Fund Management Center, the number of housing units for provident fund loans is determined by the number of housing units registered in the name of the borrower's family members (including those owned by others) within the administrative region of Dalian City. If the relationship is between father (mother) and son (daughter), the number of housing units shall be determined based on the number of houses owned by the family with a larger number of units. As mentioned in the title, if you already have a house under your name, it means that the house purchased with provident funds is a second house, and the down payment ratio for the second house must not be less than 60%. If you have two houses in your name, you can no longer use provident funds to buy a house.

2. How much is the down payment when applying for a provident fund loan to buy a first house in Dalian?

If the provident fund is used for the first time and the building area of ??the house is less than 90 square meters (inclusive), the total loan price of the house will be 20%. For purchases with a building area greater than 90 square meters, the minimum down payment is more than 30%

Basic conditions for applying for public housing:

1. Have full capacity for civil conduct;

2 , Provident fund payment certificate (or housing provident fund card);

Book and marriage status certificate;

4. Employees whose units have paid housing provident fund normally for more than one year (inclusive) , he must make regular contributions to the housing provident fund for more than six months (inclusive), and the monthly payment and deposit amount of the housing provident fund reaches the minimum monthly payment and deposit amount announced by the management committee

5. Employees are purchasing, constructing, renovating, Within five years (inclusive) of the date of major renovation of a self-occupied house, you can apply for a home purchase loan;

6. Employees who apply for a loan for the first or second time need to pay more than 20% (inclusive) of the purchase price. Down payment;

7. Have stable economic income, good personal credit, and the ability to repay the principal and interest of the loan.

3. If you had a house before but had no loan, how much is the down payment with provident fund?

If you use a provident fund loan to buy a house again, it will be the first time you use a housing provident fund loan. If you use a commercial loan, it belongs to the second set. If you use a housing provident fund loan to purchase your own home for the first time, and the building area of ??the house is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%, and the maximum loan term is 30 years; if the house building area is more than 90 square meters, the loan The down payment ratio must not be less than 30%, and the maximum loan term is 20 years.

4. What is the loan limit and down payment ratio of the state-managed provident fund in 2023?

What is the loan limit and down payment ratio of the state-managed provident fund? I have compiled the relevant content below, hoping it will be helpful to everyone helped. State-managed provident fund loan limit. The maximum loan limit for state-managed provident fund loan applicants to purchase their first home is 1.2 million yuan. For those purchasing a second home, the maximum loan limit is 80... Want to know more about state-managed provident fund loans Let’s take a look at the provident fund loan amount and down payment ratio.

1. State-managed provident fund loan limit. The maximum loan limit for state-managed provident fund loan applicants to purchase their first self-occupied house is 1.2 million yuan. For those purchasing a second home, the maximum loan limit is 800,000 yuan. . The specific limit of housing provident fund personal loans is within the maximum loan limit determined by the Beijing Housing Provident Fund Management Committee, based on the balance of the individual housing provident fund account, combined with the loan ratio, repayment ability, payment time, spouse's payment status, and personal credit information , as well as the loan-to-deposit ratio adjustment coefficient and other factors are comprehensively determined. For those who purchase the first home for self-occupation, the personal account balance is less than 70,000 yuan, and the calculation is calculated as 70,000 yuan; for the second home, the personal account balance is less than 20,000 yuan, and the calculation is 2 Calculated in 10,000 yuan; those purchasing policy housing are not subject to this restriction. After the borrower repays the loan every month, the per capita living expenses retained shall not be lower than the basic living expenses standard in Beijing. For low-income borrowers purchasing affordable housing, the loan amount is not subject to monthly income restrictions. 2. The down payment ratio of a state-managed provident fund loan. The down payment ratio of a first-home housing loan shall not be less than 20% of the total purchase price, that is, the personal loan amount shall not exceed the actual purchase price (the lower of the appraised value of the house and the actual purchase value of the existing house shall be (accurate, the same below) 80%. Implement the housing provident fund personal loan benchmark interest rate.

The down payment ratio for a second home loan shall not be less than 20% of the total purchase price, that is, the personal loan amount shall not exceed 80% of the actual purchase price (for existing homes, the lower of the appraised value of the house and the actual purchase value shall prevail, the same below) . The loan interest rate is 1.1 times the housing provident fund personal loan benchmark interest rate. This is what we know in this area. I hope this article of mine can help you. If you want to know more about these aspects, you can also search online.