165438+1October 2 1 day, Shangqiu Housing Provident Fund Management Committee of Henan Province (hereinafter referred to as "Shangqiu Housing Provident Fund Management Committee") issued the Notice on Amending the Management Measures of Shangqiu Housing Provident Fund Personal Housing Loan (hereinafter referred to as "Loan Management Measures").
The revised method clarifies the loan target. Article 7 of Chapter II stipulates: "Depositors of housing provident fund with full capacity for civil conduct (including flexible employees and depositors in different places, hereinafter referred to as depositors) may apply for housing provident fund loans from the center when the funds for purchasing, building, renovating or overhauling the first set of self-occupied housing or the second set of improved ordinary self-occupied housing are insufficient within the administrative area of our city." Shangqiu Provident Fund Management Committee said that with the expansion of the scope of housing provident fund deposit, the object of housing provident fund deposit is not limited to employees, and it has become the norm for flexible employees to pay housing provident fund, so the loan object is changed from qualified "paid employees" to "payers".
The new "Loan Management Measures" clearly defines the loan applicant and the same applicant. Article 9 of Chapter II stipulates: "The applicant for housing provident fund loan is the depositor of housing provident fund who applies for loan, and the same applicant refers to the spouse of the loan applicant who applies for the same loan."
At the same time, Shangqiu also adjusted the age requirement for applying for housing provident fund loans. Item (5) of Article 10 in Chapter II of the new Measures for the Administration of Loans stipulates: "He has full capacity for civil conduct and has not reached the national statutory retirement age". According to Article 18 of the Civil Law of People's Republic of China (PRC): "Minors over the age of 16 who take their own labor income as their main source of livelihood are regarded as persons with full capacity for civil conduct."
Shangqiu explained that eligible minors over the age of 16 are regarded as persons with full capacity for civil conduct and are eligible to apply for housing provident fund loans. At the same time, it also stipulates the problem of applying for housing provident fund loans at the statutory retirement age, that is, no matter whether the housing provident fund is paid at the statutory retirement age, it cannot be used as a loan applicant (the main borrower) to apply for housing provident fund loans, thus avoiding the contradictions and problems of applying for housing provident fund loans over age.
The first paragraph of Article 14 in Chapter III of the new Measures for the Administration of Loans stipulates: "The maturity date of the loan shall not exceed 5 years after the statutory retirement age of the borrower". That is, when applying for a loan, the loanable period is calculated according to the age of the loan applicant (principal borrower), regardless of the applicant's age. If the applicant reaches the statutory retirement age but the housing provident fund account is normal, the deposit base shall be determined according to the minimum income standard of employees in Shangqiu last year. Those who meet the conditions for delaying retirement of female cadres at or above the county level and deputy senior titles shall be handled in accordance with the regulations.
In the revised document, the conditions for not granting loans have been added. Item (1) of Article 11 in Chapter II of the New Measures for the Administration of Loans stipulates that "within one year after divorce, the applicant for a loan will buy and sell a house with his original spouse", which is a new provision for obtaining a housing provident fund loan according to the problems found in the process of handling the loan business and in order to avoid false transactions.
Item (2) of Article 11 in Chapter II of the Measures for the Administration of Loans stipulates: "The property right of the purchased house belongs to the person who is not the applicant's spouse or minor children". This clause is based on the problems found in the process of handling loan business and aims to solve the housing difficulties of the borrower's family. Later, due to the unclear division of property rights, the rights of all parties could not be guaranteed.
Item (6) of Article 11 in Chapter II of the Measures for the Administration of Loans stipulates: "Those who fraudulently withdraw housing provident fund and issue loans within five years".
Shangqiu also adjusted the maximum loan ratio for different housing purchase situations. According to Item (2) of Article 13 in Chapter III of the new loan management measures: "If you buy the first commercial housing or build, renovate or overhaul the first self-occupied housing, the loan amount shall not exceed 80% of the total housing price", the previous "If the existing housing is secured by mortgage, the loan amount shall not exceed 70% of the collateral value" has been modified accordingly, that is, you buy the first self-occupied housing except the second-hand housing.
Item (3) of Article 13 in Chapter III of the Loan Management Measures stipulates: "If you buy a second set of self-occupied housing or second-hand housing, the loan amount shall not be greater than 70% of the total housing price".
Shangqiu housing loan process
Shangqiu loan process:
1. The buyer and the seller sign the house sales contract, and stipulate the down payment, loan and final payment;
2. The purchaser and spouse apply for a loan from the bank, and the seller and spouse are present for confirmation;
3. The bank examines and approves the loan application;
4. The buyer signs a loan and guarantee contract with the bank;
5. The seller transfers the property right of the house to the buyer, and the seller obtains the down payment from the buyer;
6, the buyer and the bank for real estate mortgage registration (or by other natural persons and legal persons to provide phased guarantee for the buyer);
7. The bank issues loans to the seller's account;
8. The buyer and the seller settle the house payment, and the seller obtains the final payment from the buyer;
9. The purchaser takes over the house and repays it on a monthly basis (in the case of installment guarantee, the purchaser and the bank will re-register the house mortgage).
Housing mortgage refers to the lender's own or third-party property as collateral. And repay the principal and interest to the bank by stages with stable income, and mortgage the bank with its property certificate before paying off the principal and interest. If the buyer can't repay the principal and interest on time, the bank can sell the house to offset the debt.
What is the interest rate of Shangqiu mortgage?
Now that house prices are getting higher and higher, buying a house is still a great pressure for many families. So most people will consider buying a house with a loan. To buy a house, you must first understand the price of the house, and then choose the appropriate loan amount according to your own economic ability. When you apply for a loan, you can also learn about the mortgage interest rate. So what is the mortgage interest rate in Shangqiu? Next, let's get to know it with Bian Xiao!
What is the interest rate of Shangqiu mortgage?
Shangqiu's current mortgage interest rate is based on the benchmark interest rate stipulated by the central bank, and banks can fluctuate according to the actual situation. The benchmark interest rates are as follows: 4.35% for commercial housing loans within one year (including one year), 4.75% for one year to five years (including five years), 4.90% for provident fund housing loans, and less than five years (including five years).
What is the latest policy of mortgage interest rate?
1, the first home loan interest rate ushered in a continuous increase 18. According to the data released recently, the average interest rate of the first home loan in China in June 20 18 was 5.64%, which was equivalent to the benchmark interest rate 1. 15 1 times, which ushered in a continuous increase of 18 for one month. At the same time, the interest rate data of the first home loan in four cities in China exceeded 6%, and the highest was 6. 13% in Dongguan, Guangdong.
2. The data shows that the average interest rate of the first home loan in June this year was 5.64%, equivalent to the benchmark interest rate 1. 1.565438, up 0.7 1% from May. Compared with last June, the average interest rate of the first home loan at that time was 4.89%, which was equivalent to the interest rate rising 1 within one year. It is worth noting that the monitoring data of Rong 360 shows that the number of banks whose benchmark rose by 20% or more in June has increased. Of the 533 branches (sub-branches) in China, only 169 banks raised their benchmark interest rates by 10%, accounting for 30%.
Bian Xiao's conclusion: What is the interest rate of Shangqiu mortgage? I hope I can help you. I believe that after the introduction, what is your Shangqiu mortgage interest rate? Have more understanding, if you are interested, you can refer to it later.