If the total house price is 65,438+200,000, and the down payment is 30%, the longest repayment period is 30 years:
Although provident fund loans are the most cost-effective, the high down payment makes buyers "discouraged". At this time, the portfolio loan has become a "life-saving straw" for many families who just need it. If you meet the relevant conditions of Xi portfolio loan, portfolio loan is obviously more cost-effective without rising interest rate.
Xi which properties can use portfolio loans?
The existence of portfolio loans can make a large number of buyers enjoy the convenience of provident fund loans, and can make up for the shortage of commercial loans when the loan amount is insufficient.
Then, can Xi 'an use provident fund loans in sales at present?
Guide to Handling "Portfolio Loan"
How to make a portfolio loan? What are the requirements for the applicant and the property? In view of the hot issues of public concern, we consulted the Xi Housing Provident Fund Management Center and sorted out the related issues.
How to "combine loans";
●? You can apply for a portfolio loan if you have paid the housing accumulation fund 12 months or more in full.
●? The provident fund loan bank and the commercial loan mortgage bank that can accept the cooperation of developers are the same bank.
●? The borrowers of provident fund loans and commercial loans should be the same person, and there is no outstanding principal and interest of housing provident fund loans when applying for portfolio loans.
What is the amount of "portfolio loan"?
Portfolio loans consist of commercial loans and provident fund loans:
Husband and wife: the maximum loan of the provident fund is 650,000, and the rest is borne by commercial loans;
Individuals: the maximum loan of the provident fund is 500,000 yuan, and the rest is borne by commercial loans;
The balance of the deposit account between the borrower and the spouse is less than 20,000;
1. If the total balance of the account is less than 5,000 yuan, the maximum loan amount shall not exceed 200,000 yuan;
2. 5,000 yuan ≤ total account balance 1 10,000 yuan, and the maximum loan amount does not exceed 250,000 yuan;
3. If 1 0,000 yuan is less than or equal to the total account balance of 20,000 yuan, the maximum loan amount shall not exceed 300,000 yuan.
Processing requires these materials:
●? Resident identity cards of the borrower and his spouse;
●? Proof of the marital status of the borrower;
●? Proof of income of the borrower and his spouse;
●? Personal credit report of the borrower and his spouse;
●? Proof of down payment for house purchase;
●? Housing sales contracts or agreements that comply with the law;
●? Other materials required for handling off-site loans.
Six major processes:
? ●? Loan application: the borrower applies for a portfolio loan from the provident fund center or the entrusted bank, and the provident fund center will examine the borrower's housing provident fund loan qualification.
●? Pre-loan investigation: the entrusted bank shall investigate the borrower's loan purpose, loan information, collateral status and repayment ability. For those who do not meet the loan conditions, the information shall be returned to the borrower in time.
●? Face-to-face signing: If the conditions of portfolio loan are met, the manager of the entrusted bank will instruct the borrower to fill in the relevant materials of portfolio loan, and sign the Loan Contract of Individual Housing Loan (Portfolio Loan) in Xi City and the Mortgage Contract.
●? Loan approval: after the portfolio loan information is complete, the loan approval shall be carried out according to the respective approval procedures for provident fund loans and commercial loans.
●? Mortgage registration: After the portfolio loan is approved, the mortgagee shall go through the mortgage registration formalities at the real estate transaction management department with relevant information.
●? Lending: The mortgagee issues the Notice of Closing the Case, and the entrusted bank submits an application for provident fund loan to the provident fund center after receiving the portfolio loan information. The provident fund center will allocate the provident fund loan funds to the entrusted bank, and the entrusted bank will simultaneously distribute the combined loan funds (commercial loan funds of the provident fund loan funds) according to the time, amount and account agreed in the loan contract.
Answer questions about provident fund
1, the first set of commercial loans, the second set wants to use the provident fund, how should I calculate the down payment? How to calculate the specific loan portfolio?
A: ①? No matter which suite, as long as it is the first time to use provident fund loans, the down payment ratio is calculated according to the first set. The down payment ratio within the area of144m2 (inclusive) shall not be less than 35%, and the down payment ratio above144m2 shall not be less than 40%.
②? The portfolio loan is calculated by the provident fund according to the first set, and the down payment ratio is 35%; Commercial loans are calculated in two sets, and the down payment ratio is at least 40%.
2, provident fund loans, the interest rate of the second suite has risen 10%! How to define two sets (commercial loan and provident fund)? In addition, where is the floating interest rate of 10%? New Deal or Old Government?
A: the second use of provident fund loans is regarded as a second suite; Floating 10% belongs to the New Deal on April 23rd.
3. What are the interest rates of 3.Xi 'an portfolio loan provident fund and commercial loan respectively?
A: ①? Xi provident fund loan interest rate: 1-5 years, including 5 years, 2.75%, more than 6 years, including 6 years, 3.25%. The interest rate of the second suite rises 10%.
②? Commercial loan: The latest benchmark interest rate is 4.9%(Xi is currently 15%), which will change according to different banks.
4. The deposit base of the provident fund was changed in June 5438+February last year, which is larger than the previous deposit base. Does this have an impact on provident fund loans?
A: It doesn't affect. Provident fund loans only look at the account balance, not the deposit base.
5. Want to know how to simplify the deposit procedures of employee loans in provincial and Changqing oilfield sub-centers, improve the handling efficiency, cancel intermediate links, reduce loan information and reduce loan risks? What do you mean? Can people who work in units directly under the province get a loan if they are not in Xi?
A: ①? After the New Deal, the payment of employee provident fund loans by Changqing Oilfield Sub-center is simpler than the previous procedures, processes and required information. Consult the provident fund management center for specific operations.
② If a person is not in Xi, he can apply for Xi provident fund loan, which can be handled directly at the deposit place. Provincial Provident Fund and Xi Provident Fund are two independent departments. For the loan policy of the provincial provident fund center, please contact the provincial provident fund center for consultation.
I work in Xi, and I bought a house in Weinan. I could have taken a house purchase contract once a year. After the implementation of the New Deal, can I still take it? If I rent a house in Xi 'an, can I withdraw the provident fund every year?
A: No, after May 13, we will suspend the purchase of houses in different places and withdraw the provident fund. If you and your spouse have no real estate in the administrative area of Xi and rent a house in Xi, you can withdraw the provident fund with the lease contract.
Summary: Nowadays, under the pressure of rising house prices, buyers had better make maximum use of provident fund, hoping that more properties can support portfolio loans. If you encounter problems in the process of buying a house, please leave us a message and let's find a way together ~