How much can Guangzhou housing provident fund loan borrow? How many years can Guangzhou housing provident fund loan be borrowed? Today, I will explain it to parents here for reference, hoping to help you.
I. Loanable amount of Guangzhou housing provident fund loan:
(1) The loanable amount of individual housing provident fund loans for employees to purchase ordinary self-occupied housing shall meet the following quota standards at the same time:
1, which is not higher than the maximum amount of personal housing provident fund loans. One person applies for personal housing provident fund loans with a maximum amount of 600,000 yuan.
2. Two or more people buy the same set of self-occupied housing and apply for individual housing provident fund loans. The loan amount is the sum of each applicant's loan amount, with a maximum of 6,543,800 yuan.
3, not higher than the loan amount determined by referring to the differentiated housing credit policy:
(1) Employees' families (including borrowers, spouses and minor children, the same below) apply for individual housing provident fund loans to purchase the first set of ordinary self-occupied housing, with the minimum down payment ratio of 20% and the loan interest rate as the benchmark interest rate for individual housing provident fund loans;
(2) For the paid workers' families who own a house but have no loan record or own a house and settle the corresponding house purchase loan, apply for individual housing provident fund loans to buy ordinary self-occupied houses, with the minimum down payment ratio of 30% and the loan interest rate of 2 times the benchmark interest rate of individual housing provident fund loans;
(3) For families who own a house but have not settled the corresponding housing loan, apply for individual housing provident fund loans to purchase ordinary self-occupied houses, with the minimum down payment ratio of 40% and the loan interest rate of 2 times the benchmark interest rate of individual housing provident fund loans;
Second, Guangzhou housing provident fund loan period:
The term of the housing provident fund loan shall meet the following requirements:
(1) The term of the first-hand property loan shall not exceed 30 years. Second-hand housing loan period does not exceed 20 years, and the sum of loan period and building age does not exceed 40 years.
(2) The sum of the borrower's age and the loan term shall not exceed 5 years after retirement age. The retirement age is generally calculated as 60 for men and 55 for women.
(three) two or more people to buy the same housing to apply for housing provident fund loans, the longest loan period shall prevail.
The above is the knowledge about how long the loan period of Guangzhou housing provident fund is, and I hope it will help you.