Related contents of housing provident fund loans
There are some new provisions in the housing provident fund loan requirements. According to the current policy, the basic provident fund loan for each household cannot exceed 6,543,800 yuan or 654.38+ 05 times the total storage amount of the account, and the supplementary provident fund loan for each household cannot exceed 30,000 yuan or twice the storage balance. Housing provident fund loan requirements also have these provisions. If both provident funds are paid by employees, the maximum loan amount cannot exceed 654.38+0.3 million yuan. At the same time, it cannot exceed 80% of the total house price, and the longest loan period is generally 30 years. For the purchase of second-hand houses or renovation or overhaul of houses, the total loan amount shall not exceed 50% of the total house price, and the longest term shall be 10 year. There are also these provisions in the housing provident fund loan requirements, and the loan period of the main lender cannot exceed the statutory retirement age of 5 years. The maximum loan amount for purchasing primary market housing and self-built housing is generally 6.5438+0.5 million yuan, and the maximum loan ratio cannot exceed 70% of the total price of purchased self-built housing; The maximum loan amount of the purchased second-hand house is generally 80,000 yuan, and the maximum loan ratio cannot exceed 50% of the appraised value of the purchased house. These provisions are also included in the housing provident fund loan requirements. The loan amount is generally calculated according to the coefficient that cannot be higher than the borrower's repayment ability. The calculation formula is: the sum of the monthly wage income of the borrower's husband and wife who have paid the housing provident fund ×1February× 35 %× loan period. Among the borrowers, if only one of the husband and wife normally pays the housing provident fund, the loan conditions of the housing provident fund shall be stipulated, and the loan amount shall not exceed 50% of the purchase price and the total purchase price.
What are the requirements for housing provident fund loans?
What are the conditions for housing provident fund loans? Before applying for a loan, the applicant must continuously pay the housing provident fund 12 months in full, and continue to pay it normally. With permanent residence in this city, the loan applicant's household registration is foreign, and it must be guaranteed by a qualified guarantee company. Housing provident fund loans also have these requirements. Self-occupied housing must be purchased at work or living place, and must have full capacity for civil conduct, stable occupation and income, good credit status, and no bad credit record in the credit information system of China People's Bank; Have the ability to repay the loan principal and interest. Housing provident fund loans also have these requirements. It is also important if there are no outstanding housing loans and other debts that may affect the repayment ability at the time of application. Housing provident fund loans also have these requirements. Applicants who buy a third home by family can't apply for housing provident fund loans. If the family purchases the first set of self-occupied housing, and the housing construction area is less than 90 square meters, the down payment ratio of the loan shall not be less than 20%; If the building area is more than 90 square meters, the down payment ratio of the loan shall not be less than 30%. At the same time, it is also necessary to agree on mortgage, pledge and other forms of guarantee in a way recognized by the municipal provident fund center and the entrusted bank. So much for housing provident fund loan requirements, I hope I can help you.