Overdue will affect provident fund loans. Individual urban workers and their units must continue to pay housing provident fund for one year. When urban workers apply for individual housing provident fund loans, they shall submit the following materials: 1. Four copies of the identity certificate of the individual (hereinafter referred to as the borrower) applying for the loan and the relevant identity certificate of the spouse (ID card or other valid documents are acceptable); 2. Four copies of the borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, and the spouse must provide the death certificate of the other party); 3. 4 copies of valid vouchers for payment of house purchase price; 4 copies of the income certificate of the borrower and spouse; 4 originals of the legal house purchase contract; 6. And the seal of the borrower and his spouse. In addition, the borrower's housing provident fund deposit certificate is required. Be sure to bring the originals and corresponding copies of these materials. Housing construction examination data: 1. Pre-sale (sales) permit of commercial housing or approval of housing reform; 2. Construction project planning permit; 3. Construction permit for construction projects; 4. Construction land planning permit; 5. State-owned land use certificate; View floor plan and floor plan. Buyers who meet the conditions of housing provident fund loans can apply for provident fund loans at the entrusted banks and handling outlets, or at the nearest provident fund management center or sub-center and management department.

Second, how much can I borrow from a 250,000 house loan?

The loan for the first suite can be 70%, that is, 25,000,070% = 65,438+075,002,065,438+September 30, 2004. Notice on further improving housing financial services: for families who purchase the first ordinary self-occupied housing by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate, depending on the risk situation.

For 1 housing families who have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy.

3. How to calculate the monthly mortgage payment?

How to calculate interest when buying a house with a bank loan?

1, taking the family as the unit, you can get a loan of 70% of the appraised house price for the first time. Taking the family as a unit, if it is a provident fund loan to buy a house, if it is the first time to buy a house, you can borrow 80% of the appraised price of the house (within 90 square meters, 70% of the loan exceeding 90 square meters). If it is a commercial loan to buy a house, the calculation method of down payment is: down payment = total house price-customer loan amount. Loan amount = contract price (market price) × 80% (the first loan amount can be up to 80%).

2. Generally speaking, according to the existing implementation standards of the first suite, the down payment ratio of commercial loans for new houses is 30% _ 90_ 90 _ (inclusive), and the down payment ratio of provident fund loans for the first suite shall not be less than 20%, and the down payment ratio of housing provident fund loans above 90 _ (inclusive) shall not be less than 30%.

How to calculate the monthly mortgage payment?

1, the average repayment method of principal: monthly payment = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate, monthly repayable principal = loan principal ÷ repayment months, monthly repayable interest = remaining principal × monthly interest rate = (loan principal-accumulated repaid principal) × monthly interest rate.

2. repayment method of equal principal and interest: monthly repayment principal = loan principal × monthly interest rate ×( 1 interest rate) (repayment month serial number-1) ÷ [( 1 interest rate) repayment months-1], and total interest = repayment months × monthly interest rate. Monthly interest payable = loan principal × monthly interest rate × [( 1 interest rate )× repayment months -( 1 interest rate) ÷ [( 1 interest rate )× repayment months-1]]

Fourth, how much can I borrow from a bank loan for the first time?

If the housing loan is handled through our bank (including primary and secondary buildings)/

1. For the first suite, the minimum ratio is 30% and not more than 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction").

2. Two suites, accounting for more than 60% of the value of the purchased property.

The specific amount of your loan needs to be submitted to the relevant information, and then contact the personal loan department of the local outlet for consultation after the network audit.