If you apply for individual housing provident fund loans in Zhangzhou City, Fujian Province, the amount of individual housing provident fund loans shall be implemented in accordance with the relevant provisions of individual housing provident fund loans. In portfolio loans, the amount of commercial personal housing loans shall not exceed the difference between the house price and the down payment. 70% of the total loan amount of the first housing portfolio loan (that is, the value of the provident fund loan part and the commercial loan part (the lower of the first-hand housing price and the transaction price); If the loan is used to purchase a second house, the total loan amount shall not exceed the value of the house purchased (the specific amount of the commercial part of the third and above portfolio loans shall be determined one by one by records, etc. Among them, laws and regulations, regulatory provisions and local housing loan policies have strict provisions on the evaluation price and transaction price of first-hand houses. Implement the interest rate of individual housing provident fund loans announced by the People's Bank of China and the relevant policies and regulations of the Ministry of Housing and Urban-Rural Development. The interest rate of commercial individual housing loans in portfolio loans shall be implemented in accordance with the relevant provisions of individual commercial housing loans.
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Mobile banking download: /boeLoan.html? If the construction area is more than 90 square meters, the down payment ratio shall not be less than 30%. , the second or second use of housing provident fund loans to buy a house down payment shall not be less than 50%)-the amount of housing provident fund withdrawn by the applicant and the owner of * * * *; The loan amount for purchasing second-hand houses = 60% of the taxable value of deed tax (50% of the housing provident fund loan used in taxable value for the second time)-the amount of housing provident fund withdrawn by the applicant and the * * * owner; Loan amount for self-occupied housing construction, renovation and overhaul = 70% of the total price (the loan for the second or second use of housing provident fund is 50% of the total price)-the amount of housing provident fund withdrawn by the applicant and the * * * owner. 4) The repayment ratio shall not exceed 50% (repayment ratio = monthly repayment amount/family monthly income (income is subject to the statement) 100%). Second, the loan interest rate of Zhangzhou housing provident fund, the annual loan interest rate within 5 years and the annual loan interest rate above 5 years are all our knowledge in this respect. I hope my article can help you.
4. What is the interest rate of Zhangzhou provident fund loan?
The calculation of the loan amount of housing provident fund should be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
The calculation method is as follows:
1. According to the repayment ability calculation formula, {(total monthly salary of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower }× loan period (month), {(total monthly salary of husband and wife )× repayment ability coefficient-total monthly repayment amount of the husband and wife }× loan period (month), where the repayment ability coefficient is 40% and the total monthly salary =
2. According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;
3. According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;
4. According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 700,000 yuan.
The interest rate of provident fund loans is set by the People's Bank of China, which is different from the benchmark interest rate of commercial bank loans:
1.2065438+Since August 26th, 2005, the deposit and loan interest rate of Beijing housing provident fund has been lowered, and the loan interest rate of five-year and below provident fund has been lowered from 3% to 2.75%;
The interest rate for loans over 2.5 years is lowered from 3.5% to 3.25%;
3. For individual housing provident fund loans issued before August 26th (excluding) within 1 year (including 1 year), the original interest rate will still be implemented after August 26th, and interest will not be calculated by installments;
4. For individual housing provident fund loans with a term of more than 1 year, the original interest rate will still be implemented after August 26th, and the adjusted provident fund loan interest rate will be implemented from 20 16 1.
5. For individual housing provident fund loans issued after August 26th (inclusive), the adjusted interest rate shall be directly implemented. For individual housing provident fund loans with different repayment methods, the new monthly repayment amount is determined according to the corresponding repayment formula.
6. For individual housing provident fund loans that have signed loan contracts and the loan date is after August 26th (inclusive), individual housing provident fund loans can only be issued after the borrower signs the notice of adjusting the loan interest rate.