The loan terms are as follows:
With permanent residence or valid residence status within the administrative area of this Municipality, the loan applicant has established a housing provident fund account for 12 months (that is, 365 days), and the account was in a normal deposit state when applying for the loan, and has been in a continuous normal deposit state for nearly 12 months when applying for the loan 12 months, with stable occupation and income, good credit and a house purchase contract.
Qingdao provident fund loan policy 2022
The maximum amount of Qingdao provident fund loan is adjusted to 800,000 yuan.
Cailian June 15: Today, Qingdao Housing Provident Fund Management Center released a new policy. If the first family-occupied housing is purchased within the administrative area of Qingdao, the maximum amount of provident fund loans will be adjusted to 800,000 yuan, an increase of 200,000 yuan, and the maximum amount of provident fund loans will be adjusted to 500,000 yuan, an increase of 6,543,800 yuan.
In 2022, Qingdao's policy of recognizing loans and not recognizing houses was included in this scope.
internal
Provident fund loans under Qingdao's policy of recognizing loans and not recognizing houses can generally be calculated according to the following scope:
I. Scope of loan amount:
1. The maximum amount of provident fund loans is generally 70% of the total house price, and the minimum is 50%;
2. The maximum loan amount is 3 million yuan;
3. The loan term can be up to 30 years, and the shortest is 1 year;
4. The mortgage interest rate is 2. 1 times of the benchmark interest rate, with a maximum of 3.25 times;
Two. Scope of loan conditions:
1. Applicants for provident fund loans must be registered in Qingdao and have corresponding provident fund deposits;
2. The loan applicant must meet the age requirements, with the minimum age of 18 and the maximum age of 60;
3. The loan applicant must meet the social insurance conditions for house purchase, that is, have social insurance records in this city;
4. Qingdao provident fund loan applicants must meet the income requirements, and the average monthly income is not less than 65438+ 0.5 times the local minimum wage.
What is the maximum loan amount of Qingdao provident fund?
When buying a house, it is a good thing for lenders to apply for provident fund loans, because there is less interest and less pressure, but provident fund loans also have their shortcomings. The biggest drawback is that the loan amount is limited, and the regulations in different regions are different. Let's take a look at Qingdao's regulations in this regard.
What is the loan amount of Qingdao provident fund?
The maximum amount of personal loans is 360,000 yuan, and the maximum amount of combined loans is 600,000 yuan. Finally, how much amount can be applied for is calculated according to the comprehensive evaluation of the lender's repayment ability and the balance in the lender's provident fund account.
1 If both the loan applicant and the spouse meet the requirements for applying for provident fund loan deposit, the maximum loan amount is 600,000 yuan.
2 If the loan applicant only meets the deposit conditions for applying for provident fund loans, the maximum loan amount is 360,000 yuan.
Loan amount calculated according to repayment ability:
The calculation formula is: loan amount = borrower's monthly contribution salary base × repayment ability coefficient × 12× spouse's monthly contribution salary base × repayment ability coefficient × 12× calculation period of the line.
The repayment ability coefficient in the formula is 30%; The calculation period of the line in the formula is 5 years (65 years for men and 60 years for women) from the date when the borrower and his spouse apply for a loan.
The interest rate of Qingdao provident fund loan is subject to the statutory interest rate announced by the People's Bank of China. In case of legal interest rate adjustment, it shall be adjusted according to the regulations of the People's Bank of China. When applying for a provident fund loan, the lender must continuously pay the housing provident fund in full for more than 6 months (inclusive).
The introduction of Qingdao provident fund loan policy ends here.