mercantile credit

housing accumulation fund

Reduce the interest rate of the first suite and the down payment ratio of the second suite. The loan interest rate for the first home is lowered to 2.6% and 3. 1%, and the minimum down payment ratio for the second home is 30%.

Cancel the provision that "the upper limit of the loan amount is determined according to the deposit ratio, the number of loans, and the employee's unilateral or bilateral deposit of provident fund". As long as the borrower meets the conditions for accepting housing provident fund loans, the maximum loan amount will be raised to 500,000.

First, the determination of the upper limit of the loan amount is no longer divided into three grades according to the deposit ratio, and the maximum loan amount is 500,000 yuan.

The second is to cancel the difference between the first use of provident fund and the second use of provident fund in the upper limit of loan amount. The second use of the provident fund will no longer be reduced by 50,000 yuan on the basis of the first use of the provident fund, and will be implemented in accordance with the maximum loan amount of 500,000 yuan.

The third is to cancel the difference between the unilateral deposit and the deposits of both parties in the upper limit of the loan amount, and no longer implement unilateral deposit, reducing the deposit of both parties by 50,000 yuan, and the maximum loan amount is 500,000 yuan.

Provisions on adjusting the time limit for borrowers to apply for loans and deposit provident fund.

When the borrower applies for a loan, the time limit for housing provident fund deposit is adjusted from "the borrower has paid the housing provident fund in full 12 months or more" to "the borrower has paid the housing provident fund in full for more than 6 months".

The upper limit of the loan amount is calculated from 15 times of the sum of the balances deposited in the provident fund account when the borrower applies, and adjusted to 20 times.

The upper limit of the loan amount is calculated according to 20 times the sum of the balance of the provident fund account deposited by both husband and wife at the time of the borrower's application; If the borrower pays unilaterally, it shall be calculated as 20 times the balance of the provident fund account when the borrower applies for a loan. The determination of the balance of the computable loan amount in the account of the borrower and spouse's housing provident fund is still carried out in accordance with the Detailed Rules for the Implementation of Personal Housing Loan of Weifang Housing Provident Fund.

"If the loan term is more than 5 years, the monthly repayment amount shall not exceed 40% of the total monthly income of both husband and wife." The regulation is adjusted to "if the loan term is more than 5 years, the monthly repayment amount shall not exceed 50% of the total monthly income of both husband and wife".

Reduce the inquiry certification materials of real estate registration information.

Cancel the requirement that the borrower provide proof of real estate inquiry at the place of residence, acceptance and deposit. When applying for a loan, the borrower only needs to provide proof of the query result of the real estate registration information of the place where the house is purchased. When handling the provident fund loan business, the number of housing units shall be determined on the basis of all the housing information shown in the query results of the real estate registration information at the place where the house is purchased, combined with the comprehensive judgment of the loan information in the personal credit report of the People's Bank of China.

Policy basis: 1. Notice on adjusting the interest rate of individual housing provident fund loans.

2. Notice on optimizing and adjusting the housing provident fund loan policy