Hello, you can buy a house in Hangzhou within two years by accumulating social security for one year. You can't buy a house without paying social security. If you want to use the provident fund loan, it is best to pay the provident fund 1 year or more before the loan. The total house price is/kloc-0.5 million yuan, and the down payment for the first suite is at least 30%, that is, the maximum loan is/kloc-0.5 million yuan. Provident fund loans can only be used once. If the first home purchase loan is paid off, a second loan can be made for those who need improvement, but the down payment ratio is 60%. The following answers refer to the housing loan regulations of most cities in China. The regulations in different regions may be slightly different, but there is little difference. Please consult the local housing management department for details.
1. The loan for the first house purchase shall not exceed 80% of the total house price at most, 70% for the second house purchase and 60% for the third house purchase, and the loan is not allowed at the beginning of the fourth house purchase.
2. There are different regulations in different places, and there is a maximum limit for provident fund loans. For example, Beijing seems to have a maximum of 800,000, and most second-and third-tier cities have a maximum of 300,000 to 500,000.
3. You need to submit proof of income when handling loan procedures. Generally speaking, the monthly income is required to be no less than twice the monthly repayment amount.
4. The amount of provident fund loans is not affected by the remaining amount of the provident fund account. Just refer to the above three items.
5. The balance in the provident fund can be used to pay the down payment when purchasing commercial housing, or it can be extracted by the contract for purchasing commercial housing.
The total price of a house like yours is 250 thousand, and the loan does not exceed 200 thousand or 50 thousand at most If your monthly income is 2220 yuan, you can choose to pay it off in 25 years, with monthly repayment 104 1.4. It depends on your account balance. You can combine it with a commercial loan. Generally, it is 10 times of the loan account balance.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
How many times can the provident fund be loaned?
Legal analysis: housing provident fund loans can be loaned twice at most, and housing provident fund loans can only be loaned once at the same time. If one of the husband and wife has applied for a housing provident fund loan, neither party may obtain a housing provident fund loan until the principal and interest of the loan are paid off. A family (including singles) can only use the housing provident fund loan twice to buy self-occupied housing; Family members and their spouses have used housing provident fund loans before or after marriage, and two or one of them has used them twice, so they will not accept the third loan.
Provident fund loan steps:
1. The real estate appraisal agency designated by the Housing Provident Fund Management Center evaluates the houses traded in Shu Hui to determine the loan amount and the value of the houses (mortgages) traded by both parties.
Both parties to the transaction should actively cooperate. According to the pre-assessment report issued by the assessment agency, the transaction price of both parties and the repayment ability of the borrower, the center pre-examines the loan amount and term to be applied by the employees, and issues the Pre-examination Confirmation Form for the Loan Amount and Term of Housing Provident Fund Second-hand Housing to the employees.
2. Employees who need to apply for loans and are ready to apply for second-hand housing loans should submit the Borrower's (spouse's) wage income and housing provident fund deposit certificate (in triplicate) and the original and photocopy of the housing ownership certificate before the transaction. Business personnel shall examine and confirm whether the employee housing provident fund deposit is normal and whether the employee's (spouse's) salary income certificate is true.
3. Choose the loan guarantee method. Second-hand housing provident fund loan guarantee methods include stage guarantee, mortgage and mortgage. Borrowers can choose independently according to their own actual situation. If you choose to apply for a second-hand housing loan by installment guarantee or mortgage, you should hand over the other house ownership certificates to the entrusted bank for collection before the borrower goes through the mortgage registration formalities of the purchased house.
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How many times can I borrow provident fund loans?
Provident fund loans can be borrowed twice, and provident fund loans can only be borrowed 1 time at the same time.
Generally speaking, if a family has bought two houses with provident fund, they can no longer use provident fund loans, that is, provident fund loans can only be borrowed twice at most.
Provident fund loans can only be loaned once at the same time, and can only be loaned again after repayment. Workers can apply for housing provident fund personal loans again after the first housing provident fund personal loans have been settled for 5 years. Employees who buy a third home will not accept loan applications.
Calculation of the loan amount of provident fund;
Monthly contribution amount of provident fund ÷ contribution ratio × individual repayment ability coefficient (at present, the individual repayment ability coefficient is 0.3)× 12 (month )× actual loanable period (the legal retirement age for men is 60 years, for women is 55 years, the loanable period for commercial housing is not more than 30 years, and that for second-hand housing is not more than 20 years).
The provident fund management center has certain regulations on the down payment ratio of different houses.
For example, the Beijing Provident Fund Management Center stipulates that the down payment ratio of the first suite of Beijing housing provident fund loans is generally 30%, which meets the minimum requirement (below 90 square meters) of 20%. The down payment ratio of the second suite is not less than 70%. That is, the first suite of Beijing housing provident fund can generally borrow 70%, with a maximum of 80%; The second suite can borrow up to 30%, and the third suite can stop lending.
How many times can I borrow the provident fund?
The provident fund can be loaned twice, but the provident fund loan can only be loaned once at the same time, and the next loan can only be made after repayment.
1. Generally, it is stipulated that if a family buys two houses with provident fund, they can no longer use provident fund loans, which means that provident fund loans can only be borrowed twice at most.
2. Generally speaking, the provident fund management has certain provisions on the down payment ratio of different houses. For example, Beijing provident fund management regulations, the down payment ratio of the first suite of Beijing housing provident fund loans is generally 30%, which is in line with relevant regulations (below 90 flat) 20%; The down payment ratio of the second suite is not less than 70%. That is, the first suite of Beijing housing provident fund can generally borrow 70%, more than 80%; The second suite can borrow 30%, and the third suite can stop lending.
3. As long as the provident fund loan used for the first house purchase is paid off, whether your house is sold or not, you can use the housing provident fund loan for the second time, but the amount of the provident fund loan used for the second time is 654.38+ 10,000 less than that used for the first time, and the down payment for the second house purchase loan must be no less than 40% of the total house price.