First, the loan object

Provident fund loans are issued to administrative, public institutions and employees of enterprises, who need to buy houses or build houses to purchase locally-reformed houses, affordable houses, commercial houses or self-built houses.

Second, the loan amount and loan interest rate

The amount of entrusted loans for housing provident fund shall not exceed 70% of the total amount of housing purchased by employees, and the monthly repayment amount shall not exceed 50% of the monthly economic income of both husband and wife. The maximum amount of housing provident fund personal housing entrusted loan is 6.5438+0.5 million yuan. The loan interest rate is 4.59% for five years or less and 5. 13% for more than five years.

Third, the loan term.

According to the remaining length of service and repayment ability of employees. The longest term of housing provident fund personal housing entrusted loan is 20 years. If the remaining length of service is less than 20 years, it can be relaxed for 3 years.

What house can do provident fund loans?

Now more people need to apply for a loan from the bank to buy a house, and then repay it regularly every month. There are two ways to borrow money, one is through provident fund, and the other is through commercial loans. You know, not all houses can apply for housing provident fund loans. What kind of house can I apply for provident fund loans?

1. What house can be used for provident fund loans?

1, 70 years of commercial housing, as long as the developer and the provident fund management center signed a loan cooperation agreement, buyers can apply for provident fund loans. 2. Second-hand ordinary houses with real estate licenses or stock houses that can be listed and traded can apply for provident fund loans.

Two, some problems about provident fund loans

1. If you want to apply for provident fund loans, you must find out whether you meet the relevant conditions. If it is not satisfied, a lot of time may be lost before and after. Moreover, provident fund loans also have certain requirements for deposit time. For example, some places require continuous payment for more than 6 months and must be in the state of deposit. In some cities, such as Beijing and Guangzhou. , to pay more than a year.

2. The balance of the provident fund account also has a certain impact on the loan amount. For example, some cities will multiply the balance by 8 and then decide according to the retirement age. If the account balance is too small, the amount of application will be relatively low, which will naturally fail to meet the expected expectations and will also affect your plan to buy a house. Note that not all urban provident fund quotas are affected by account balances.

Generally speaking, there are many processes before and after the loan term, so the waiting time will be longer than that of commercial loans. The faster one may be done in a month, and the slower one may take more than two months.

Bian Xiao concluded: If you want to apply for provident fund loans, you must know clearly before. Some houses are allowed and some houses are not allowed to apply. Therefore, when choosing a real estate or buying a second-hand house, you need to pay attention to this aspect to prevent delaying your plan to buy a house.

Is there a set of commercial loan housing for provident fund loans?

You can apply for provident fund loans, but you need to meet the conditions of provident fund loans. What conditions do individual housing provident fund loans need to meet? The main contents are as follows: (1) The borrower has full capacity for civil conduct; , with the city's official residence or valid residence status; Have a stable economic income, good credit and the ability to repay the principal and interest of loans; Before the loan, the housing provident fund was paid normally and continuously for more than half a year; , can provide a valid contract or agreement for the purchase of owner-occupied housing; In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house; , with not less than 30% of the purchase value of owner-occupied housing (more than 40% of second-hand housing) of its own funds; The borrower agrees to handle housing mortgage loan and insurance; , the purchase of commercial housing, developers should provide phased guarantees and report the relevant credit materials; 0. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

Can commercial housing be loaned by housing provident fund?

Commercial housing refers to self-operated commercial housing or office space, which is different from self-occupied and self-occupied commercial housing. When applying for housing provident fund loans, provident fund loans specify two types of housing loans: one is the right to use housing; Commercial buildings. At present, housing can be purchased with provident fund loans: real estate enterprise development projects include affordable housing and commercial housing. According to the provisions of the purchase of public housing for sale (the sale of public housing for provident fund loans). Buy second-hand houses with property rights in the real estate market.

Can commercial housing be financed by provident fund loans?

Yes, general provident fund loans can only be used for two purposes, namely, housing loans and decoration loans. Personal housing provident fund loan is a special housing consumption loan funded by housing provident fund for the purchase, construction, renovation and overhaul of self-owned housing.

Can I buy commercial real estate with provident fund loans?

Generally speaking, individuals cannot apply for housing provident fund loans when purchasing commercial housing. Commercial housing is not within the scope of provident fund loans. Commercial housing refers to self-operated commercial housing or office space, which is different from self-occupied and self-occupied housing. Individuals who purchase commercial housing may not apply for housing provident fund loans. Because the scope of provident fund loans is stipulated, there are two kinds of properties that are not within the scope of loans: one is the right to use the house; The second is commercial housing. At present, individual houses that can be purchased with provident fund loans are: real estate developed by real estate enterprises, including affordable housing and commercial housing; Purchase public houses that can be sold according to regulations (public houses that cannot be sold cannot apply for provident fund loans); Buying second-hand houses with property rights in the real estate market; Due to the construction, renovation and overhaul of urban self-occupied housing in this city, it is necessary to build (repair) housing loans; Other housing loan projects approved by the provincial/municipal provident fund management center to deepen the reform of the housing system.