"The interest rate of the second-home provident fund in Hangzhou has gone up 10%.
Floating interest rate
Provident fund loan 1-5 years (including 5 years) 3.025%
Provident fund loan is 3.575% for 5-30 years. ""If an employee's family already owns a house or has no house but has a housing loan record, the second set of housing provident fund loan policy will be implemented when purchasing ordinary self-occupied houses, with the down payment ratio of not less than 60%, and the interest rate of provident fund loan is 1. 1 times of the interest rate of the first set of housing provident fund loans in the same period.
Provident fund loan conditions
1. The housing provident fund shall be paid in full and normally as required, and it has been paid continuously for more than 6 months (inclusive) when applying for a loan.
2. The purchased house is an ordinary house occupied by the city, and the purchase and building contracts and relevant certification materials are in compliance with the law, and it is agreed to use the purchase and building as loan guarantee.
3. After purchasing commercial housing (affordable housing), we have signed a cooperation agreement with Hangzhou Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center), signed a contract (the payment method is agreed as mortgage loan) and paid the down payment, and applied for a loan.
4. When buying a second-hand house, the real estate agency has put it on record in the provident fund center, and after signing the contract (the payment method is agreed as mortgage loan) and paying the down payment, it can apply for a loan before going through the formalities of real estate transaction transfer. 5, the purchase of public housing, must be approved by the housing reform department, after the signing of the contract, all the house price paid, for real estate transactions before the transfer procedures, apply for a loan.
6. At the time of demolition and resettlement, the ownership certificate of the demolition and resettlement house has been completed by the unit. After the contract is signed, the house price has been paid in full. Before going through the formalities of real estate transaction transfer, apply for a loan.
If there are two or more houses under the name of the employee's family, or if the provident fund loan is not settled, the provident fund loan will not be issued. ""The interest rate of the second-home provident fund loan rises 10%.
Identification standard of provident fund second suite
There is a suite under the name of 1. (no mortgage or outstanding mortgage)
2. There is no room under the name, and there is a mortgage record.
If there are two or more houses under the name of the employee's family, or if the provident fund loan is not settled, the provident fund loan will not be issued.
However, even if interest rates rise, it will be much better than commercial loans. "
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
In Hangzhou, if you want to buy a second suite, can you use the provident fund loan?
The second set of housing provident fund loan policy in Hangzhou in 2020
The new second suite standard is based on the family, which recognizes both housing and loans. In addition, people from different places need to provide the tax payment certificate or social insurance payment certificate of the planned place of purchase 1 year, otherwise it will be calculated as the second home loan.
The down payment ratio of the second home will be raised from the current 60% to 70%, and the interest rate will be raised from 1. 1 times to 1.3 times. However, the bank said that it has not received the notice at present, and the second home loan policy is still implemented in accordance with "60% down payment for the second home loan and interest rate policy 1. 1 times".
Second-home loan policy For the recognized "first-home" lender, a relatively favorable provident fund loan policy can be obtained. If the first suite is a policy-oriented housing or the first self-occupied housing of a small or medium-sized apartment (the floor area of the apartment is not more than 90 square meters), the down payment ratio shall not be less than 20%, and the loan amount may be increased according to the personal credit rating on the basis of the maximum amount of 800,000 yuan-if the personal credit rating is AAA, the maximum loan amount shall be increased by 30%, that is, it shall not exceed 1040 yuan; The personal credit rating is AA, and the maximum loan amount rises by 15%, that is, it does not exceed 920,000 yuan. For the purchase of the first suite of non-policy housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio shall not be less than 30%, and the maximum loan amount will no longer rise.
Hangzhou second-home provident fund loan amount
If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million. If parents also have provident fund, they can't borrow money with their children. The specific loan amount is comprehensively determined according to the employee's monthly deposit, house price, down payment ratio and personal credit status.
The personal loanable amount of provident fund loans is calculated as follows:
1, personal loan amount = the average monthly balance of the provident fund account in the last 12 months (excluding the month of application) × 15 times (at present, the multiples of the main urban area, Xiaoshan District, Yuhang District and Fuyang District of our city are set at 15 times).
2. The average monthly balance of the housing provident fund account refers to the average balance of the housing provident fund account at the end of the month when employees apply for loans (excluding one-time payment for nearly 12 months). The calculation formula is: the monthly average balance of housing provident fund account = the total balance of housing provident fund account at the end of the month is nearly1February/month.
3. The calculation result of personal loan line is rounded to thousands, the amount below 6,543.8+0.5 million yuan is determined to be 6,543.8+0.5 million yuan, and the amount above 500,000 yuan is determined to be 500,000 yuan. If both employees and spouses have paid the housing provident fund and meet the loan application conditions, the maximum loan limit for each household is 6,543,800 yuan.
Calculation of the first month repayment and the last month repayment of Hangzhou provident fund loan
According to the personal housing loan guarantee contract of Hangzhou Provident Fund, the provident fund loan is deducted on a fixed day, and the repayment amount of the first month and the last month is not calculated according to the whole month, but according to the actual days.
Final amount of provident fund loan for second home in Hangzhou
The specific approved loan amount is determined by comprehensively analyzing the conditions, price, family credit status, repayment ability and other factors of the housing purchased by the borrower according to the relevant national individual housing loan policies and the relevant provisions of provident fund loans.
Inquire about the loanable amount of Hangzhou provident fund
Local deposit employees can check the monthly average balance of employee accounts and the calculated loanable amount through the personal online reconciliation system, WeChat and Alipay on the central website.
Hangzhou provident fund loan progress inquiry
Borrowers can check the progress of loan approval through personal online reconciliation system, WeChat and Alipay on the central website.
How to apply for a loan if the amount of Hangzhou provident fund is insufficient?
The borrower may apply for a combined provident fund loan at the same time because the amount of the housing provident fund loan is insufficient. After the approval of the provident fund center and the entrusted bank, the borrower, the provident fund center and the entrusted bank sign a secured loan contract, and the house purchased by the borrower is mortgaged to the provident fund center and the entrusted bank at the same time. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans.
Can Hangzhou employees apply for provident fund loans after retirement?
Employees cannot apply for provident fund loans after retirement. Before retirement, employees who meet the loan conditions can apply for provident fund loans. When applying for a loan, the spouse and other houses are for personal use, and the age of the repayment promisor should be at least 65 years old for men and 60 years old for women.
1. Can I apply for Hangzhou housing provident fund loan for renovation?
Decoration can not apply for provident fund loans.
2. Can employees who have paid in Hangzhou apply for provident fund loans when buying houses outside Hangzhou?
If you buy a house in a different place, you can apply for a housing provident fund loan from the housing provident fund center where the house is purchased. The application must conform to the local housing provident fund loan policy. According to the housing provident fund loan policy of the Ministry of Housing and Urban-Rural Development, employees need to provide proof of housing provident fund deposit when applying, and they can bring their original ID card to Hangzhou Housing Provident Fund Management Center and its sub-centers to issue the Certificate of Housing Provident Fund Deposit and Use for employees who have borrowed from different places.
Three, how to determine the income of individual industrial and commercial households or freelancers?
Individual industrial and commercial households or freelancers who purchase self-occupied ordinary commodity housing and apply for provident fund loans shall provide proof of income (or income statement) and proof of bank flow in the past year. If there are assets in the family name, you can provide relevant asset certificates (such as real estate, deposits, wealth management or securities, etc.). ), and their income status is determined according to their industry, working years and above.
20 18 what is the down payment ratio of the second-home provident fund loan in Hangzhou?
"Hangzhou second-home provident fund loan, with a minimum down payment of 60%.
Among them, in four cases, there is no provident fund loan:
(1) The employee owns two or more houses under the family name.
(2) The employee's family has not settled the housing provident fund loan.
(3) The employee's family already owns a house, and there are other outstanding commercial housing loan records besides this house.
(4) Workers' families have two or more outstanding commercial housing loans. ""Workers' families who already own housing or have no housing but have housing loan records will buy ordinary self-occupied housing and implement the second set of housing provident fund loan policy. The down payment ratio of the loan is not less than 60%, and the interest rate of the provident fund loan is 1. 1 times of the interest rate of the first housing provident fund loan in the same period. In other words: both houses with and without loans are considered as second suites, with a down payment of more than 60%.
In addition, if there are two or more houses under the name of the employee's family, or if the provident fund loan is not settled, the provident fund loan will not be issued. ""Hangzhou has a house, a loan record and no room, all of which are second suites, with a down payment of more than 60%.
In addition, if there are two or more houses under the name of the employee's family, or if the provident fund loan is not settled, the provident fund loan will not be issued.
Logo of the second suite
The number of housing units under the employee's family name is determined according to the family property file query and housing loan records. Family housing loan records include provident fund loan records and commercial housing loan records, which are subject to the audit of the provident fund center and the personal credit record of the People's Bank of China. The number of outstanding housing loan records is included in the number of housing units under the family name, which can be merged with the housing file query records. ""The minimum down payment for the second-home provident fund loan in Hangzhou is 60%, and the interest rate rises 10%.
Employees applying for housing provident fund loans shall meet the following basic conditions:
1. The housing provident fund shall be paid in full and normally as required, and it has been paid continuously for more than 6 months (inclusive) when applying for a loan.
2. The purchased house is an ordinary house occupied by the city, and the purchase and building contracts and relevant certification materials are in compliance with the law, and it is agreed to use the purchase and building as loan guarantee.
3. After purchasing commercial housing (affordable housing), we have signed a cooperation agreement with Hangzhou Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center), signed a contract (the payment method is agreed as mortgage loan) and paid the down payment, and applied for a loan.
4. When buying a second-hand house, the real estate agency has put it on record in the provident fund center, and after signing the contract (the payment method is agreed as mortgage loan) and paying the down payment, it can apply for a loan before going through the formalities of real estate transaction transfer.
5, the purchase of public housing, must be approved by the housing reform department, after the signing of the contract, all the house price paid, for real estate transactions before the transfer procedures, apply for a loan.
6. At the time of demolition and resettlement, the ownership certificate of the demolition and resettlement house has been completed by the unit. After the contract is signed, the house price has been paid in full. Before going through the formalities of real estate transaction transfer, apply for a loan.
If there are two or more houses under the name of the employee's family, or if the provident fund loan is not settled, the provident fund loan will not be issued. "
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
What is the down payment ratio of the first suite and the second suite of Hangzhou provident fund loan respectively?
What is the down payment ratio of the first suite and the second suite of Hangzhou provident fund loan respectively?
Down payment ratio of the first suite
If the employee's family (including the principal borrower, spouse and minor children) has no housing and no housing loan record, the first set of ordinary self-occupied housing will be purchased with housing provident fund loans, and the first set of housing provident fund loans will be implemented. The down payment ratio is as follows:
For the purchase of commercial housing, the down payment ratio of the loan is not less than 30%, and it is not less than the minimum down payment ratio stipulated in the Real Estate Cooperation Agreement of the Provident Fund Center;
If the second-hand house is purchased and the age of the house is less than 20 years (inclusive), the down payment ratio of the loan shall not be less than 30%; If the house age is more than 20 years, the down payment ratio of the loan shall not be less than 40%;
The purchase of public housing, the loan amount shall not exceed 70% of the total price;
Resettlement or construction, renovation, overhaul of owner-occupied housing, the loan amount does not exceed 70% of the actual payment.
Down payment ratio of second suite
If an employee's family already owns a house or has no house but has a housing loan record, they will buy a set of ordinary self-occupied housing and implement two sets of housing provident fund loans, with the down payment ratio of not less than 60%.
The down payment ratio needs to be comprehensively determined according to the housing situation, price, family repayment ability and credit status. Those who apply for commercial portfolio loans or provident fund commercial discount loans must meet the relevant requirements of commercial banks at the same time.
Employees who have two or more houses or outstanding housing provident fund loans under their family names may not apply for housing provident fund loans.
Hangzhou provident fund loans are subject to "recognizing houses but not loans", and the minimum down payment for the second suite is 40%.
65438+February 65438+March, according to official website, Hangzhou Housing Provident Fund Management Center, Hangzhou Housing Provident Fund Management Committee issued a notice on adjusting the housing provident fund loan policy.
The "Notice" shows that in order to further play the role of housing provident fund credit and support the reasonable housing needs of paid employees, the relevant policies of housing provident fund loans in Hangzhou have been adjusted.
According to the "Notice", if employees' families have no housing, no housing loan records or commercial housing loan records and have settled the corresponding loans, in order to improve their living conditions, the first suite policy will be implemented, and the loan down payment ratio will not be less than 30%.
For employees who own 1 house under their family name, or who have no house but have housing provident fund loan records and the corresponding loans have been settled, if they apply for housing provident fund loans to buy ordinary self-occupied houses again, the second suite policy will be implemented, and the down payment ratio of the loans will not be less than 40%.
In addition, employees who own two or more houses or housing provident fund loans under their family names are not allowed to apply for housing provident fund loans.
According to the notice, the scope of implementation has been adjusted to purchase ordinary self-occupied housing in Shangcheng District, Gongshu District, Xihu District, Binjiang District, Xiaoshan District, Yuhang District, Linping District, Qiantang District, Fuyang District and Lin 'an District.
The Notice shall come into effect on June 28th, 2022, and the online signing date of the contract is June 165438+ 10/day and later, and it shall be implemented according to the provisions of this Notice. The online signing date of the commercial housing sales contract shall prevail for new commercial housing, and the online signing date of the housing transfer contract shall prevail for second-hand housing. If the contract was signed before June165438+1October 1 1 in 2022, the original policy shall prevail.
Previously, commercial personal housing loans in Hangzhou have been adjusted. According to qianjiang evening news Hour News 165438+ 1010/An Emergency Notice on Adjusting the Policy of Personal Housing Mortgage Loan in Hangzhou issued by a bank in Hangzhou, which adjusted the conditions for determining the first home loan, the down payment ratio of the second home and the loan interest rates of the first and second homes in Hangzhou, which was confirmed by the staff of many banks in Hangzhou. According to the notice, the condition for determining the down payment of 30% for the first suite in Hangzhou has changed from "recognizing the house and recognizing the loan" to "recognizing the house and not recognizing the loan", that is, the purchaser who has no house in Hangzhou but has a mortgage record and the loan has been settled can follow the first home loan policy.
In addition, the minimum down payment ratio for buyers who purchase two houses by loan is adjusted from the previous 60% to 40%.
Among them, the minimum adjustment of the first home loan interest rate is 4. 15%, and the minimum adjustment of the second home loan interest rate is 4.9%.