If you apply for a personal housing provident fund loan from China Bank, Shaanxi Province, and the purchased housing is affordable housing or commercial housing, the maximum amount of a single loan is 300,000 yuan, and it does not exceed 80% of the purchase price. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
What is the maximum amount of Shaanxi provident fund loan?
The maximum loan amount of housing provident fund loans in Shaanxi Province is 750,000, of which the maximum loan amount for a single person to pay the housing provident fund and apply for a loan is 500,000, and the maximum loan amount for both husband and wife to pay the provident fund and apply for a loan is 750,000.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life.
According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance;
Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
Notice on the adjustment of individual housing provident fund loans in Shaanxi Province in 2022
According to the spirit of Notice of Xi Housing Provident Fund Management Center on Adjusting Individual Housing Provident Fund Loans (Xifang Jinfa [2022] No.45), the individual housing provident fund loans are adjusted as follows:
First, adjust the maximum amount of personal housing provident fund loans.
The maximum amount of single deposit employee loans shall not exceed 650,000 yuan, and the maximum amount of double deposit employee loans shall not exceed 850,000 yuan.
Second, adjust the down payment ratio of individual housing provident fund loans.
If the paid employees apply for personal housing provident fund loans for the first time and purchase housing area 144_ or less, the down payment ratio shall not be less than 20%; If the housing area is above 144_, the down payment ratio shall not be less than 25%.
If the paid employees apply for personal housing provident fund loans for the second time and purchase the housing area of 144_ or less, the down payment ratio shall not be less than 25%; If the housing area is above 144_, the down payment ratio shall not be less than 30%.
The down payment ratio for the purchase of finely decorated houses is the same as above.
Third, adjust the time
This notice shall be implemented as of May 28, 2022, subject to the time when the individual housing provident fund loan application enters the housing provident fund business system.
Shaanxi province housing fund management center
May 28(th), 2022
Hanzhong, Shaanxi Province: For ordinary houses below 144, the minimum down payment ratio of provident fund is 20%.
On July 5, this newspaper was informed that the housing provident fund management in Hanzhong City, Shaanxi Province recently issued the Notice on Adjusting the Down Payment Ratio of Housing Provident Fund Loans (hereinafter referred to as the Notice).
In terms of adjusting the proportion of housing provident fund loans, the proportion of employees who purchase houses in Hanzhong and pay housing provident fund loans to purchase ordinary houses (144_ and below) is not less than 20%; The proportion of those who purchase more than ordinary houses (144_) shall not be less than 25%. Apply for housing provident fund loans and purchase ordinary housing (144_ and below), with a proportion of not less than 25%; The proportion of those who purchase more than ordinary houses (144_) shall not be less than 30%.
In terms of adjusting the proportion of employees' housing provident fund loans in different places, the proportion of employees who purchase houses in different places in Hanzhong City and pay housing provident fund loans to buy ordinary houses (144_ and below) is not less than 30%; The purchase of non-ordinary housing (144_) or more, the proportion is not less than 35%.
Prior to this, Hanzhong City increased the amount of housing provident fund loans in April this year. According to the policy, the single deposit of employee families (one of the husband and wife has continuously paid the housing provident fund for six months) is adjusted from the loan amount of 500,000 yuan to the maximum loan amount of 600,000 yuan. Double-paid employees' families (both husband and wife have paid the housing provident fund continuously for 6 months) are adjusted from the loan amount of 500,000 yuan to the loan amount of 700,000 yuan.
Knowledge of house purchase: the loan object and conditions of Shaanxi provident fund loan, the maximum loan amount does not exceed 650 thousand.
First, the object and conditions of provident fund loans in Shaanxi Province
The loan object is the depositor who has paid the housing accumulation fund in full and continuously for more than 0/2 months (inclusive) and has full capacity for civil conduct. Purchase, construction, renovation, overhaul of owner-occupied housing, meet the following conditions, you can apply for personal housing provident fund loans.
(1) Having a legal and valid identity certificate;
(two) have a stable income and good credit, and have the ability to repay the principal and interest of the loan;
(three) the guarantee approved by the provincial guarantee center (mortgage stage guarantee). The commercial loan part of the portfolio loan is guaranteed according to the guarantee method recognized by the bank;
(four) to provide valid contracts or agreements for the purchase, construction, renovation and overhaul of self-occupied housing, and to pay a down payment of not less than the proportion stipulated in the loan, or to have self-raised funds for the construction, renovation and overhaul of housing;
(5) The borrower and his spouse have no outstanding housing provident fund loans (limited to two loans);
(six) other conditions stipulated by laws, regulations and normative documents.
II. Loan Amount, Term and Interest Rate
(1) Loan amount
1. If the loan applicant continuously pays the housing provident fund in full monthly, the maximum loan amount shall not exceed 500,000 yuan; If the loan applicant and spouse continuously pay the housing provident fund in full monthly, the maximum loan amount shall not exceed 650,000 yuan.
2. When the spouse's income of the loan applicant is approved, if the provident fund has been paid, the total monthly salary shall be calculated according to the deposit base of the provident fund; If the provident fund is not paid, the total monthly salary shall be calculated according to the actual income (proof of income and bank account that can prove effective income are required).
3. Down payment ratio
(1) If the housing provident fund loan is used for the first time to purchase self-occupied ordinary housing, the down payment ratio shall be no less than 25% for the building area below 144 (inclusive) and no less than 30% for the building area above 144; Workers who have used the housing provident fund loan 1 time and have settled the loan, in order to improve their living conditions, buy a second set of self-occupied ordinary commodity housing. The down payment ratio shall not be less than 50%, and the down payment ratio above 144 shall not be less than 55%. The down payment ratio of finely decorated houses and houses with prices significantly higher than the local market average is not less than 40%.
(2) For housing loans for construction, renovation and overhaul, the loan amount shall not exceed 60% of the total cost of construction, renovation and overhaul.
(3) The down payment ratio of portfolio loans should meet the requirements of both commercial loans and provident fund loans, which is not less than 30% at present.
(2) loan term
1. The maximum term of the housing loan is 30 years, and the maturity date of the loan shall not exceed 5 years after the borrower's statutory retirement. The age of the loan applicant when applying for a loan shall not exceed his legal retirement age (in principle, women shall be 55 years old and men shall be 60 years old. Special circumstances, need to provide relevant documents). Female cadres at the county level and female professional and technical personnel with senior titles who have reached the age of 60 to retire or delay their retirement need to provide relevant unit documents or explanations stamped with the official seal of the unit.
2 renovation, overhaul housing loan period shall not exceed 20 years (within the legal service life of the house).
3. The sum of the second-hand housing loan period and the housing completion period shall not exceed 30 years.
(3) Loan interest rate
1. The loan interest rate is subject to the interest rate standard published by the People's Bank of China. The current loan interest rate is 2.75% for loans less than 5 years (including 5 years) and 3.25% for loans over 5 years. For the second set of housing provident fund loans, the loan interest rate rises 10% on the basis of the standard interest rate. The interest rate of commercial loans in portfolio loans shall be subject to the provisions of commercial banks.
2. If the loan term is more than one year, if the interest rate of the People's Bank of China is adjusted during the repayment period, the new interest rate standard will be implemented from next year 1 and the monthly repayment amount will be recalculated.
3. If the loan term is one year, the interest rate agreed in the loan contract shall be implemented. During the loan period, if the interest rate of the People's Bank of China is adjusted, the loan interest rate will remain unchanged.
Third, the information needed to apply for a loan.
When applying for housing provident fund loans, the following information shall be provided:
(a) the valid identity certificate of the loan applicant, and the married employee shall provide the valid identity certificate of the spouse.
(three) proof of down payment for the purchase of houses, and proof of self-financing for the construction, renovation and overhaul of self-occupied houses.
(four) a legal and effective contract or agreement for the purchase, construction, renovation and overhaul of houses.
(5) If the loan applicant and spouse's housing provident fund have not been paid by the center, they shall provide the payment certificate issued by the housing provident fund management center at the place of deposit and the details of the payment in the last 12 months (if the spouse's work unit has not paid the provident fund and the income participates in repayment, they shall provide the income certificate issued by the unit and the qualified salary flow in the last 6 months).
(6) Seal of the loan applicant and spouse (1.6x 1.6cm square seal).
(seven) the credit report of the loan applicant and his spouse.
(8) Purchase of second-hand houses must also provide: 1. Xi. Supervision Agreement on Settlement Funds for Transaction of Safe Stock House; 2. "Xi Stock House Transaction Settlement Fund Supervision Down Payment Entry Voucher"; 3. Proof of the property right of the house purchased; 4. The housing price inquiry table provided free of charge by the provincial center or the official housing value appraisal report issued by the real estate appraisal agency recognized by the provincial center.
(9) Portfolio loans must also provide income certificates and bank flow recognized by commercial banks.
(ten) other information stipulated by laws, regulations and normative documents.
Fourth, loan repayment.
If the loan term is one year, the principal and interest will be repaid in one lump sum at maturity; If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly. Repayment methods include:
(1) Equal principal and interest repayment method, that is, equal repayment of loan principal and interest every month during the loan period.
(2) The repayment method in average capital, also known as the repayment method with interest, refers to the equal repayment of the loan principal every month, and the loan interest decreases with the principal month by month.
(3) After the housing loan is issued for 6 months, the borrower can repay part or all of the loan in advance at any time, and the prepayment limit is 3 times. When the borrower repays part of the loan in advance, he can choose "recalculate the monthly repayment amount of the same period" or "automatically shorten the repayment period of the same monthly repayment amount". There is no penalty for prepayment.
(4) The repayment methods of portfolio loans, provident fund loans and commercial loans are the same. Six months after the loan is issued, the combined loan can be repaid in advance in part or in whole. In case of partial repayment in advance, the provident fund loan part and the commercial loan part shall be repaid separately according to the loan proportion.
The calculation table of monthly repayment of principal and interest for individual housing loans is attached.
Verb (abbreviation of verb) the procedure and time limit for handling loans.
(1) Consult and prepare the application materials. The applicant entrusts a bank in the provincial center (the address and telephone number of the entrusting bank can be viewed on the website of the provincial center), and prepares relevant application materials as required.
(2) The loan applicant submits the loan application materials to the handling bank, which will be completed within 7 working days after the bank accepts the audit.
(three) the central audit is completed within 8 working days.
(four) the audit of the guarantee company is completed within 3 working days.
(5) The loan link is completed within 3 working days.
Note: Under special circumstances, the processing time limit may be appropriately extended.
Matters needing attention about intransitive verbs
(1) In order to ensure that loan applicants can obtain loans and use loan funds as soon as possible and shorten the examination time, applicants should carefully read relevant policies and regulations to ensure that the application materials are true, complete and reliable.
(2) When applying for the loan amount and term, we should consider our repayment ability on the premise of complying with the loan policy, and require that the monthly repayment amount should not exceed 50% of the family's monthly income, and the living expenses after repaying the loan principal and interest and family debts should not be lower than 1500 yuan, so as to ensure that the daily life of the family will not be affected after repayment.
(III) For the second-hand housing loans that are not handled in the Supervision Agreement on Settlement Funds of Stocking Houses in Xi City, the entrusted bank will transfer the loans to the account designated by the guarantor after receiving the guarantee settlement notice issued by the guarantor, and the guarantor will pay the house payment according to the relevant agreement, and the loans shall not be transferred to the third-party account.
(4) the housing of the staff and workers' organizations of this unit, and the housing built by employees from funds, etc. , the unit can directly contact the financial department of the provincial center, and we will provide on-site service together with the undertaking bank.
(five) the specific provisions of individual housing loans, can refer to the provincial center website provident fund loan business column "housing provident fund individual housing loans implementation details".
Article source: Leju buys a house
Quality content recommendation
I come from Xi 'an. How to operate the housing provident fund loan and how much can I borrow?
To apply for individual housing provident fund loans in China Bank, Shaanxi Province, the materials to be provided when applying for loans:
1, loan application form;
2. Household registration book, ID card or other valid proof of residence;
3, purchase contract or letter of intent and other related documents;
4, the unit housing fund management institutions agreed to loan letter;
5. For customers who buy new commercial housing, please provide a copy of the commercial housing sales license of the sales unit; For the purchase of public houses, please provide a copy of the approval document of the higher-level housing reform management institution for the "house selling plan";
6. If there is mortgage or pledge, the guarantor agrees to the written certificate of guarantee and the guarantor's credit certificate;
7. In case of guarantee, the guarantor agrees to the written guarantee certificate and the guarantor's credit certificate;
8. The original and photocopy of the receipt that has paid more than 30% of the house purchase advance payment;
9. Other materials required by China Bank.
If the purchased house is affordable housing or commercial housing, the maximum amount of a single loan is 300,000 yuan, which does not exceed 80% of the purchase price. Please consult the provident fund loan business outlets or the local provident fund management center in detail when handling.
The above contents are for your reference. Please refer to the actual business regulations.
This is the last sum of Shaanxi province provident fund loan quota and CCB provident fund credit loan. I wonder if you found the information you need from it?