Within the maximum loan amount and loanable amount, Ningbo Provident Fund Center determines the loan amount and loan term of the second-hand housing loan borrower in accordance with the following provisions:
1. The maximum amount of current housing provident fund loans is 800,000 yuan/household. Among them, if the borrower's housing provident fund has been paid in full for 2 years and the first family-occupied housing is purchased, the maximum loan amount can be increased to 900,000 yuan/household; If the borrower pays the housing provident fund in full for two consecutive years and applies for the housing provident fund loan for the first time to purchase the first family-occupied house, the maximum loan amount can be increased to 6,543.8+0,000 yuan/household.
2. Loan amount = 40% of the deposit base+0.2 month loan (calculation) period.
(1) When calculating the loan amount, if the borrower is less than 30 years away from the statutory retirement age, the calculation period of the loan may be appropriately relaxed, and the longest period shall not exceed 5 years, and the loan term shall be met;
(2) The borrower and the personnel involved in calculating the loan amount calculate the loan amount according to their respective provident fund loan amounts, and finally jointly calculate the loan amount;
(3)*** When calculating the loan amount of the same borrower (spouse, parents and children only), if the loan term exceeds that of the main borrower, the loan term of the main borrower shall prevail; If it is shorter than the loan term of the main borrower, it shall be the same as the actual loan term of the borrower.
(4)*** The housing accumulation fund paid by the borrower within the administrative area of this Municipality can be consolidated when calculating the loan amount.
3, the proportion of housing provident fund loans, the first suite and the second set of improved self-occupied housing is not higher than 70% of the total price; The second suite is not higher than 40% of the total house price.
4. The borrower's monthly repayment of loan principal and interest shall not exceed 60% of the deposit base of housing provident fund when applying for a loan. * * * The repayment amount can be combined with the repayment person.
5. Term of loan: the longest loan shall not exceed 30 years and the service life stipulated by countries with surplus land; Within the specified housing loan period, the longest loan period is the working life of the borrower from the date of handling the loan to the legal retirement age.
Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.