Housing outside the central city is not included in the scope of verification of the number of units.
The "Notice" further optimizes the criteria for determining the number of newly purchased housing units, and clarifies that if employees' families use housing provident fund personal housing loans to purchase newly purchased housing in the central city, their housing outside the central city will not be included in the approved scope of housing units.
If a paid employee's family purchases a new house in Chongqing by using the housing provident fund personal housing loan, only the housing provident fund personal housing loan record will be included in the verification scope.
The number of individual housing loans paid to employees' families to use housing provident fund shall not exceed two times.
The minimum down payment ratio for buying a second suite is reduced to 25%.
The "Notice" clarifies that the down payment ratio of individual housing loans for purchasing a second set of housing and applying for housing provident fund will be lowered:
If an employee's family buys a second house and applies for a housing provident fund personal housing loan, the minimum down payment ratio will be reduced from 40% to 30%.
If an employee's family deposits more than one child to buy a second house and applies for a housing provident fund personal housing loan, the minimum down payment ratio will be reduced to 25%.
The maximum amount of family loans increased to 6,543,800 yuan+0.2 million yuan.
In terms of increasing the loan amount, the "Notice" clarifies that the maximum personal loan amount of individual housing loans for housing provident fund will be increased from 400,000 yuan to 500,000 yuan; If the husband and wife jointly participate in the loan, the maximum loan amount paid to the employee's family will be increased from 800,000 yuan to 6,543,800 yuan.
If an employee's family has more than one child and applies for a housing provident fund personal housing loan, the maximum personal loan amount will be raised to 600,000 yuan; If the husband and wife jointly participate in the loan, the maximum amount of family loan will be increased to 6.5438+0.2 million yuan.
Chongqing provident fund loan amount
loan limit
1. The maximum amount of personal provident fund loans is 80% of the total purchase price (70% for second-hand houses), of which the maximum amount of personal provident fund loan funds does not exceed 400,000 yuan, and it does not exceed twice the maximum amount of personal loans (800,000 yuan) after participating in the loan.
2. Loan amount The actual loan amount of the borrower must meet the following conditions at the same time:
(1) Total personal loan of provident fund = sum of borrower's monthly income ×50%× loan period (month)
(2) The loanable amount of housing provident fund funds in individual provident fund loans = the sum of the balance of housing provident fund accounts of borrowers and spouses ×25.
Extended data
I. Term of the loan
The longest loan period of personal provident fund loans is not more than 30 years (25 years for second-hand houses and 20 years for brick-concrete structures), and the longest repayment period is 10 years after the borrower's statutory retirement age.
Second, the loan interest rate.
According to the current personal loan interest rate of housing provident fund stipulated by the People's Bank of China, and adjusted with the adjustment of national interest rate.
Third, loan guarantee.
Take the purchased house as collateral, and apply for housing home purchase guarantee or comprehensive loan insurance.
Fourth, the provisions of the loan
If the housing provident fund has been paid in full and on time for more than one year, the spouse of the purchaser with full capacity for civil conduct can participate in the loan, and the borrower's spouse will be regarded as a personal loan of the provident fund after participating in the loan.
V. Chongqing housing provident fund loan procedures?
1. Lenders need to submit a written application to the bank to apply for housing provident fund loans, fill in the housing provident fund loan application form and truthfully provide the required information;
2. For the loan application with complete information, the bank will accept the review in time and submit it to the Shanghai Provident Fund Center in time; Shanghai Provident Fund Center is responsible for approving loans and informing banks of the approval results in a timely manner;
3. The bank shall notify the applicant to go through the loan formalities according to the approval result of the provident fund center, and the borrower and his wife shall sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.
4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
Six, Chongqing housing provident fund loans in general how to repay?
1. One-time repayment method (hereinafter referred to as "annual repayment")-a way to withdraw the balance of housing provident fund at one time to repay the loan balance, recalculate the monthly repayment amount, and continue to make monthly repayment.
2. Monthly repayment method (referred to as "monthly repayment method")-a method of directly extracting the principal and interest of the current month's housing loan from the borrower's housing provident fund account.
It can be seen that although housing provident fund loans are more favorable than commercial loans, provident fund loans are not unlimited. The maximum loan amount of Chongqing housing provident fund does not exceed 80% of the house price, and the maximum personal loan amount is 400,000. If both husband and wife have provident fund accounts, the maximum loan can be 800 thousand. The specific loan amount is related to the personal account balance and the monthly payment base.
Chongqing provident fund loan interest rate
First, Chongqing provident fund loan interest rate
The personal housing loan interest rate of housing provident fund shall be implemented in accordance with the provisions of the People's Bank of China, and adjusted with the interest rate adjustment of the People's Bank of China.
The first suite:
Interest rate of provident fund loans for less than five years (including five years): 2.6%;
Interest rate for loans over five years: 3. 1%.
The second suite:
Interest rate of provident fund loans for five years or less: 3.025%;
Interest rate for loans over five years: 3.575%.
note:
The first individual housing provident fund loan issued before June 65438+1 October12022: if the loan term is within one year (including one year), the original contract interest rate will still be implemented; If the loan term is more than one year, the original contract interest rate will still be implemented before June 65438+ 10/in 2023, and the adjusted interest rate will be implemented from June 65438+1 0/in 2023.
Second, the amount of Chongqing provident fund loans
(1) Loan amount
Housing provident fund personal housing loan personal loan amount is 25 times of the balance of the housing provident fund account, with a maximum amount of 500,000 yuan for individuals and 600,000 yuan for employees with many children;
The loanable amount of both husband and wife participating in the loan is calculated by adding the loanable amount of employees and their spouses, and the total amount of a single housing provident fund loan does not exceed 6,543,800 yuan; Couples who have many children to participate in the loan shall not pay more than 6,543,800 yuan+0.2 million yuan for their employees' family loans.
(2) Percentage of loans
If the employee's family deposits the employee to purchase the first set of housing, the maximum loan ratio of the housing provident fund personal housing loan is 80% of the value of the purchased housing;
If the employee's family is paid to buy a second house, the maximum loan ratio of the housing provident fund personal housing loan is 70% of the value of the house purchased, and the maximum loan ratio of the employee's family with many children is 75% of the value of the house purchased.