What are the conditions for eligible individual housing provident fund loans? The main contents are as follows: 1. The borrower has full capacity for civil conduct; 2. Have the official residence or valid residence status in this city; 3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan; 4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year; 5, can provide a valid contract or agreement for the purchase of owner-occupied housing; 6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house; 7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds; 8. The borrower agrees to handle housing mortgage loan and insurance; 9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials; 10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month. Conditions of provident fund loan: 1. Having legal and valid identity documents; 2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good; 3. Have a stable income and the ability to repay loans; 4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department; 5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid; 6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses; 7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments; 8 overhaul housing, approved by the planning and management department; 9. Being able to provide effective guarantee recognized by the management center; 10. Other conditions stipulated by relevant laws, regulations and policies. Provident fund loan process: 1. The borrower applies for a loan at the acceptance outlet; 2. Accept the outlets to inquire about the property status under the family name; 3. Accept the acceptance of outlets; 3. sign a contract; 4. examination and approval; 5. The real estate trading center shall handle the mortgage registration procedures; 6. Bank loans. The information required to apply for housing provident fund loans is as follows: 1. "Approval Form for Housing Provident Fund Loan Application" in triplicate (to be filled in at the local housing provident fund management center); 2. The original and three copies of the household registration book, resident identity card and marriage certificate of the borrower and spouse; Singles need to provide the original and photocopy of the single certificate and divorce certificate issued by the civil affairs department; 3. Legal and valid original purchase contract. 3 copies of business license of housing development unit, pre-sale permit of commercial housing (auction house), sales permit of commercial housing, completion acceptance certificate and big house certificate; 4. Where mortgage or pledge guarantee is involved, the original and three copies of the ownership certificate of the mortgaged property or pledge right, and three original written certificates of consent of the disposition holder to mortgage (pledge) shall be provided; 5. Where the guarantee is involved, the guarantor shall issue 3 originals of written commitment to provide the guarantee and 3 copies of supporting materials (including business license, financial statements of the last three years, qualification certificate, credit certificate, etc.). The guarantor has the ability to guarantee; 6. Original and three copies of down payment documents (invoices, receipts, bank receipts, cash payment orders, etc.). The borrower has paid more than the specified proportion of the house purchase price. Basic loan conditions: (1) To apply for housing provident fund loans, the following basic conditions should be met at the same time: 1. The housing provident fund shall be paid in full and normally according to the regulations, and it has been paid continuously for more than 1 year when applying for a loan. 2, the purchase of housing for the city's self-occupied ordinary housing, the purchase contract and related certification materials in line with the law. 3. If the commercial house is purchased, the sales building has been approved by the center, and after signing the contract (the payment method is agreed as mortgage loan) and paying the down payment, the loan application is filed. 4. If you buy a second-hand house, the real estate agent can apply for a loan after filing in the center, signing a contract (the payment method is agreed as mortgage loan) and paying the down payment, and before handling the transfer formalities of real estate transactions. 5, the purchase of public housing, should be signed in the contract, pay all the house price, can handle the real estate transaction transfer procedures, apply for a loan. 6, demolition and resettlement, should be in the signing of the contract, all the house price has been paid, the real estate transaction transfer procedures, put forward a loan application. (2) The condition of the second housing loan is 1, which meets the basic conditions of the loan, and the customer's family (borrower and spouse) has not used the provident fund loan or the provident fund loan has been paid off. 2. The existing per capita housing construction area of the client's family (borrower, spouse, minor children) is lower than the average level of last year published by the statistics department of this Municipality (note: the per capita housing construction area of Hangzhou in 20 12 years is 34.39 square meters), and it meets the national second-home certification standard. (3) Down payment ratio 1. If commercial housing (including affordable housing) is purchased and the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; Xing Tao construction area of more than 90 square meters, the loan down payment ratio is not less than 30%; At the same time, it is not lower than the minimum down payment ratio agreed in the real estate cooperation agreement. 2, the purchase of second-hand housing, housing construction year after 2000 (inclusive), the loan down payment ratio is not less than 30%; If the building is built before 2000, the down payment ratio of the loan shall not be less than 40%. (If there is still real estate under the name, and the per capita area of real estate is less than 30.85 square meters, and the per capita only includes husband and wife and minor children, you can apply for a second provident fund loan). The down payment ratio of the second housing provident fund loan is not less than 60%. ? Provisions on the loan amount, term and interest rate of Hangzhou Provident Fund: 1. Amount: If the customer meets the loan application conditions, the maximum loan amount is 500,000 yuan. Customers and their spouses meet the loan application conditions, and the maximum loan limit for each household is 800,000. The specific loan amount is comprehensively determined according to the customer's monthly deposit, house price, down payment ratio and personal credit status. ? Note: The current monthly deposit amount is 182 yuan, but it does not exceed 366 yuan, and the maximum loan amount is 1.5 million yuan; The maximum loan amount from 366 yuan to 879 yuan is 300,000 yuan, and the maximum loan amount from 879 yuan to 500,000 yuan. The maximum application amount for a family is 800,000 yuan. If the borrower's housing provident fund loan amount is insufficient, he may apply for a housing provident fund portfolio loan. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with housing provident fund loans. 2. Term: The longest loan term is 30 years, which shall not exceed the statutory retirement age of the client and his spouse for 5 years (male 65 years old, female 60 years old). Among them, the second-hand housing loan period plus the housing age does not exceed 40 years. 3. Interest rate: the loan interest rate is subject to the housing provident fund loan interest rate stipulated by the People's Bank of China on the day of loan issuance. If the loan term is within 1 year (including 1 year), the contract interest rate shall be implemented, and the statutory interest rate shall not be adjusted; If the loan term exceeds 1 year, when the legal interest rate is adjusted, the new interest rate standard will be implemented according to the corresponding interest rate grade from next year. ? Provisions on repayment methods: the repayment methods of housing provident fund loans include equal principal and interest repayment and equal principal repayment. ? Loan guarantee terms: the developer will guarantee the repurchase by stages. ? Repayment method of provident fund loan: The repayment method of housing provident fund loan includes equal principal and interest repayment and equal principal repayment, which is selected by the borrower when applying for a loan. Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate; The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months; The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%; The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan; Sign a house purchase contract or contract with the sales office; Meet other conditions stipulated by the trustor and the trustee. To apply for housing provident fund loans, you need to meet the following conditions: 1, have permanent residence or other valid residence status in this city, and have full capacity for civil conduct; 2, has signed a legal and effective purchase contract or agreement, and paid the down payment in accordance with the provisions; 3. Have a stable occupation and income, and have the ability to repay the loan principal and interest on time; 4. Pay the housing provident fund in full monthly for 6 months before applying for the loan; 5. Personal credit is good. In the personal credit report, the longest overdue period of personal loans in the two years before applying for loans is no more than 3 periods (inclusive) and the cumulative overdue times are no more than 6 times (inclusive), excluding overdue due to non-borrower reasons such as bank management; 6. There are no other large debts that may affect the loan repayment ability; 7. The monthly expenditure for repaying various housing loans (including individual housing provident fund loans to be applied for) shall not be higher than 50% of the monthly household income, and the monthly household income shall not be lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure; 8. Other conditions stipulated by laws and regulations.

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 are the conditions for Hangzhou to apply for housing provident fund loans?

We know that the housing provident fund can be used to buy a house with a loan, and the interest rate is relatively low. So what conditions do you need to pay attention to when applying for housing provident fund loans in Hangzhou? Here is a detailed arrangement.

According to the regulations of Hangzhou Housing Provident Fund Management Center, Hangzhou housing provident fund loans can only be used to buy individual housing, not commercial housing. And the housing provident fund loan can reach up to 70%, and the longest loan period is 30 years. If you want to apply for a loan to buy a commercial house, you can consider other loan methods.

To apply for housing provident fund loans, the following basic conditions shall be met:

1. It can pay the provident fund in full every time according to the regulations, and it has been paid continuously for more than 6 months (inclusive) when applying for a loan.

2. Purchase ordinary houses in this city, sign purchase contracts and relevant documents according to law, and stipulate that the purchased houses will be used as loan guarantees.

3. For the purchase of commercial housing, the sales building has been approved, and after signing the contract (the payment method is agreed as mortgage loan) and paying the down payment, the loan application is filed.

4. If you buy a second-hand house, the real estate agent has filed a record, signed a contract (the payment method is agreed as mortgage loan) and paid the down payment, and can apply for a loan before handling the transfer formalities of real estate transactions.

5, the purchase of public housing, should be signed in the contract, pay all the house price, can handle the property transaction transfer procedures, put forward a loan application.

6, demolition and resettlement, should be in the signing of the contract, all the house price has been paid, the real estate transaction transfer procedures, put forward a loan application.

Special reminder: if there are two or more houses under the family name, or the provident fund loan is not settled, the provident fund loan will not be issued.

What are the loan conditions of Hangzhou housing provident fund? What is the latest regulation of 20 19?

Hangzhou provident fund loan housing loan conditions:

1. Pay the housing provident fund in full according to the regulations, and it has been paid continuously for more than 6 months (inclusive) when applying for the loan.

2. The purchased house is an ordinary house occupied by the city, with a purchase and construction contract and relevant supporting materials in compliance with the law, and it is agreed to use the purchased built house as a 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 signing the contract and paying off all the house price, apply for a loan before handling the transfer formalities of property right transaction.

6. For resettlement houses, the ownership certificate of resettlement houses has been completed by the unit. After signing the contract and paying off all the house payment, apply for a loan before handling the transfer formalities of real estate transaction.

7. The construction, renovation and overhaul of owner-occupied housing should be state-owned land, and the Housing Construction Planning Permit or the documents approved by government departments to build and repair housing should be obtained, and the loan should be applied within 12 months after the project is completed and paid in full.

Two sets of housing provident fund loan policies in Hangzhou

Workers' families meet the following conditions, and two sets of housing provident fund loan policies shall be implemented for purchasing ordinary self-occupied houses, with the down payment ratio of not less than 60%, and the provident fund loan interest rate shall be subject to the benchmark housing provident fund loan interest rate of the same period 1. 1 times:

(1) There is no house in the employee's family name, and there is a housing loan record and it has been settled.

② The employee's family name already owns a house, and there is no housing loan record or there is a housing loan record and it has been settled.

(3) The employee's family already owns a house and has an outstanding commercial housing loan record.

You cannot apply for a second-home provident fund loan under the following circumstances:

① There are 2 or more houses under the family name, or the provident fund loan has not been settled.

(2) I have applied for provident fund loans twice, regardless of whether I have a house under my current family name.

(3) It owns a house under its name, and there are other outstanding commercial housing loan records besides this house.

There are two or more outstanding commercial housing loans.

Determination of the loanable amount of Hangzhou provident fund loan to buy a house;

1. The loanable amount is calculated as 15 times of the average monthly balance of the employee's housing provident fund account when applying for housing provident fund loans (the multiples of Hangzhou's main urban area, Xiaoshan District, Yuhang District and Fuyang District are currently determined as 15 times).

2. The average balance refers to the average balance of the housing provident fund account at the end of the month when the employee applies for a loan (if the deposit time is less than 12 months, it is determined according to the actual number of months) (excluding the one-time deposit for nearly 12 months). The calculation result of employee's personal loan amount is rounded to thousands. Less than 6.5438+0.5 million yuan, determined to be 6.5438+0.5 million yuan, more than 500,000 yuan, determined to be 500,000 yuan.

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!

How much can Hangzhou provident fund loan borrow?

The maximum personal loan for employees is 500,000 yuan. If both employees and their spouses pay housing provident fund, the specific loanable amount shall be calculated separately by individuals, and the total maximum loanable amount shall be 6,543,800 yuan.

The loanable amount is calculated according to the average monthly balance of employees' housing provident fund accounts when applying for housing provident fund loans (the multiples of Hangzhou main city, Xiaoshan District, Yuhang District and Fuyang District are currently determined by 15 times).

The average balance refers to the average balance of the housing provident fund account at the end of the month when employees apply for loans (if the deposit time is less than 12 months, it shall be determined according to the actual number of months) (excluding one-time deposit for nearly 12 months). The calculation result of employee's personal loan amount is rounded to thousands. Less than 6.5438+0.5 million yuan, determined to be 6.5438+0.5 million yuan, more than 500,000 yuan, determined to be 500,000 yuan.

Of course, the specific loan amount should also be comprehensively determined according to the conditions, price, personal repayment ability and credit status of the houses purchased by employees.

Review time of provident fund loan:

First of all, the borrower needs to apply to the entrusted loan bank, which will submit the materials to the provident fund center.

(1) Hangzhou housing provident fund loan shall be submitted to the provident fund center for approval after the entrusted loan bank accepts the loan application;

② The Provident Fund Center shall complete the loan approval within 7 working days from the date of receiving the materials submitted by the entrusted bank.

Note: Portfolio loans need to be approved by the loan bank of the Economic Commission as commercial loans.

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I want to buy affordable housing in Hangzhou. Can I use the provident fund loan?

You can apply, but you can't withdraw the provident fund for the down payment.

Affordable housing can be financed by provident fund loans, but you must meet the conditions of provident fund loans: the applicant must have a permanent residence within the administrative area of this Municipality or an employee with valid proof of residence. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan. Yes, first, the conditions for applying for a loan.

1. The applicant has continuously paid the housing provident fund for more than 6 months and continues to pay it normally; 2 employees or their parents (or children) purchase and build ordinary self-occupied housing.

Second, the materials to be provided

1. Pre-sale contract of commercial housing (affordable housing) filed by the Municipal Real Estate Bureau and the down payment voucher for prepayment of more than 20% of the total house price (in triplicate, the originals are provided for inspection); 2. The ID cards and household registration books of the borrower's husband and wife, and provide a marriage certificate (in triplicate, with the original checked); Unmarried or single people need to provide proof (one original and two copies); 3, the borrower to fill in the "city housing provident fund loan application form" (in triplicate); 4 housing provident fund guarantee letter of commitment issued by the guarantee company (in duplicate); 5 income certificate issued by the borrower's husband and wife unit (in triplicate). Yes, you can. Employees applying for housing provident fund loans shall meet the following basic conditions at the same time: (1) The housing provident fund shall be paid in full and normally as required, and it has been paid continuously for 12 months or more when applying for loans; (2) The houses purchased, built, renovated or overhauled are ordinary houses occupied by the city, and there are purchase and construction contracts and relevant certification materials that meet the legal requirements, and it is agreed that the houses purchased and built will be used as loan guarantees; (3) The conditions for the purchase and construction of different types of housing such as down payment ratio are as follows: if commercial housing (including affordable housing) is purchased, the purchased housing should belong to the property where the provident fund center has signed a loan cooperation agreement with the development company; For families who purchase the first commercial housing by loan, the down payment ratio shall not be less than 30% of the purchase price; At the same time, it is not lower than the minimum down payment ratio agreed in the real estate cooperation agreement.

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!

How much can I borrow from the provident fund when I buy a house in Hangzhou?

Hello, you can buy a house in Hangzhou within two years by accumulating social security for one year. You can't buy a house without paying social security. If you want to use the provident fund loan, it is best to pay the provident fund 1 year or more before the loan. The total house price is/kloc-0.5 million yuan, and the down payment for the first suite is at least 30%, that is, the maximum loan is/kloc-0.5 million yuan. Provident fund loans can only be used once. If the first home purchase loan is paid off, you can make a second loan if you need to improve it, but the down payment ratio is 60%. The following answers refer to the housing loan regulations of most cities in China. The regulations in different regions may be slightly different, but there is little difference. Please consult the local housing management department for details.

1. The loan for the first house purchase shall not exceed 80% of the total house price at most, 70% for the second house purchase and 60% for the third house purchase, and the loan is not allowed at the beginning of the fourth house purchase.

2. There are different regulations in different places, and there is a maximum limit for provident fund loans. For example, Beijing seems to have a maximum of 800,000, and most second-and third-tier cities have a maximum of 300,000 to 500,000.

3. You need to submit proof of income when handling loan procedures. Generally speaking, the monthly income is required to be no less than twice the monthly repayment amount.

4. The amount of provident fund loans is not affected by the remaining amount of the provident fund account. Just refer to the above three items.

5. The balance in the provident fund can be used to pay the down payment when purchasing commercial housing, or it can be extracted by the contract for purchasing commercial housing.

The total price of a house like yours is 250 thousand, and the loan does not exceed 200 thousand or 50 thousand at most If your monthly income is 2220 yuan, you can choose to pay it off in 25 years, with monthly repayment 104 1.4. It depends on your account balance. You can combine it with a commercial loan. Generally, it is 10 times of the loan account balance.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!