What is the down payment ratio of Shanghai provident fund loans?
1 If the first house is purchased, and the housing construction area is less than 90 square meters (inclusive), the down payment ratio of the housing provident fund loan shall not be less than 20%; Housing construction area of 90 square meters or more, the down payment ratio of housing provident fund loans shall not be less than 30%;
2 If the second set of improved housing is purchased, if it is ordinary housing, the down payment ratio of housing provident fund loan shall not be less than 50%; If it is non-ordinary housing, the down payment ratio of housing provident fund loans shall not be less than 70%;
What are the conditions for Shanghai provident fund loan?
Employees applying for provident fund loans in Shanghai need to meet the following conditions:
1 meets the real estate conditions;
2. Have full capacity for civil conduct;
(3) Paying a down payment of not less than a certain percentage;
4. The housing provident fund account is in a normal state and the current housing provident fund has been fully paid for 6 months;
5. Have a good credit record and willingness to repay;
It has a stable source of economic income and the ability to repay the loan principal and interest, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;
7. Must be the owner of the house purchased, built, renovated or overhauled in this city, and be able to provide relevant contracts or certification materials, identity certificates, down payment certificates and other materials for the purchase, construction, renovated or overhauled house; The purpose of the loan is to purchase houses, and the houses purchased must be owner-occupied houses with ownership in this city;
Can provide a guarantee method approved by the municipal provident fund center.
It should be noted that it is also impossible to apply for housing provident fund loans if it is a paid employee family with two provident fund loan records and a paid employee family who has purchased a second set of improved housing.
The content of this article comes from the Internet for reference only.