The first home loan is not limited to housing area.
Regardless of the housing area, the low down payment ratio is 20%.
According to the new regulations, the high amount of housing provident fund loans in Guiyang has been adjusted from 450,000 yuan to 500,000 yuan.
Previously, the down payment ratio was as low as 20% for employees' families who used housing provident fund loans for the first time in Guiyang administrative area, and the housing area of their first suite did not exceed 120 square meters.
From May 1, the low down payment ratio is 20% for employees' families who buy ordinary self-occupied houses for the first time in Guiyang administrative area, regardless of the housing area.
It is understood that the loan amount of Guiyang Provident Fund is determined according to the deposit ratio. If the contribution ratio of the provident fund reaches 5%, the high loan amount is 450,000 yuan, and the employees who pay the housing provident fund in full according to the contribution ratio of 12% and have good credit rating and strong repayment ability will have a high loan amount of 500,000 yuan.
The new policy to be implemented this time will unify the difference between the two into a high loan amount of 500,000 yuan, which is unprecedented.
The down payment for the second home loan is 30% lower.
Before buying a second-hand house with a provident fund loan, the down payment was 60% lower.
Workers' families (including borrowers, spouses and minor children) who have handled a housing provident fund loan once and settled the corresponding housing loan in the administrative area of Guiyang City apply for a housing provident fund loan for the second time to buy ordinary self-occupied housing. The interest rate refers to the benchmark interest rate of housing provident fund loans, the down payment ratio is not less than 30%, the loan amount is 500,000 yuan, and the down payment ratio for the second application for housing provident fund loans to buy a second suite is not less than 60%.
? In the past, those who applied for housing provident fund loans to buy two suites stipulated that the accumulated amount of two housing provident fund loans should not exceed 600,000 yuan, and the new regulations further relaxed the loan limit. ? The relevant person in charge of Guiyang Housing Provident Fund Management Center introduced.
In addition, the new regulations make it clear that families who pay employees are not allowed to apply for a third set of housing provident fund loans. According to the relevant person in charge of the Housing Provident Fund Management Center, when calculating the number of provident fund loans, the new provident fund policy mainly takes the records of provident fund loans as evidence, which can be described as recognizing the public and not recognizing the business.
In other words, the depositor of the provident fund in the administrative area of Guiyang can still enjoy the treatment of applying for the housing provident fund loan for the first time, even if he has applied for a commercial loan to buy a house twice, as long as the loan has been settled. Previously, the policy only recognized mortgages. As long as you apply for a house purchase loan in the bank, it will be considered as a house purchase record.
Provident fund loans will consider the balance of deposits.
The more the employee provident fund account balance, the higher the loan amount (500,000 higher).
A new bright spot in the adjustment of Guiyang housing provident fund loan policy is to take the balance of provident fund deposit into account.
After the implementation of the new regulations, the calculation formula of housing provident fund loans will be adjusted to: employee loan amount = monthly salary base of loan employees (couples)? 12? Repayment capacity coefficient (30%)? Loan term+employee (husband and wife) deposit balance? Five times. In the formula? Employee (husband and wife) deposit balance? If it is less than 1 ten thousand yuan, it will be calculated as 1 ten thousand yuan.
It is understood that adding the deposit balance coefficient to the calculation formula of provident fund loans takes into account the loan demand of new employees or low-and middle-income employees and employees nearing retirement, and increases the deposit amount of paid employees to the housing provident fund, that is, the impact of the deposit balance of provident fund personal accounts on the loan amount. This adjustment means that the more the employee provident fund account balance, the higher the loan amount.
The relevant person in charge of Guiyang Housing Provident Fund Management Center calculated an account for the reporter. Take the new employees who pay the provident fund in a low amount as an example. He paid 126 yuan every month and applied for a provident fund loan after the payment period reached 6 months. According to the above formula, according to the long loan term of 30 years, the employee can borrow 186000 yuan.
Does the provident fund pay high rent every year? Withdraw cash? 13400 yuan
Employees must meet four related conditions before they can apply.
In order to further support low-and middle-income workers to solve the housing problem and give full play to the housing security function of the housing provident fund system, the Guiyang Housing Provident Fund Management Center has also newly issued the "Detailed Rules for the Implementation of Drawing Housing Provident Fund to Pay Rent in Guiyang".
The "Detailed Rules" made it clear for the first time that eligible paid-in employees can withdraw up to 13400 yuan per year to pay the rent on the basis of not exceeding the balance of personal deposits.
According to the regulations, employees who have paid the housing provident fund in Guiyang meet the following conditions at the same time, and can apply to withdraw the storage balance in their own and their spouses' housing provident fund accounts to pay the rent:
First, employees have paid the housing provident fund in full for 3 months; Second, the employees themselves and their spouses have no self-owned housing in the administrative area of Guiyang; Third, employees and their spouses have never used Guiyang housing provident fund for the purchase, construction, renovation, overhaul of their own houses or repayment of the principal and interest of housing loans; Fourth, employees themselves and their spouses have never applied for Guiyang housing provident fund loans.