When banks apply for provident fund loans when buying second-hand houses, the principle adopted is to obtain the contract price and the evaluation price, and multiply the low value between them by the loan ratio, which is the maximum loan amount of the property.
1. The loan amount for second-hand houses shall not exceed 70% of the total house price.
2. There is a big difference in the maximum loan amount between employees who have paid provident fund by one party and employees who have paid provident fund by both husband and wife. However, whether the loan can reach the maximum amount is not only related to the evaluation of real estate, but also related to the payment base and actual income of individual provident fund.
3. The loan amount of both husband and wife of the borrower is calculated according to the loanable formula: the loanable formula is: the amount of the provident fund paid by the lender every month ÷ the contribution ratio of the provident fund paid by the lender ××12× the actual loanable period (rounded to ten thousand yuan according to the formula).
4. The amount of second-hand housing provident fund loans is also related to the age of the house. If the house age is less than 10 year, the maximum loan is 70% in most areas; If the room age is 10-20 years, the maximum loan amount is 60%. It is difficult to get loans for second-hand houses with more than 20 years.
Including: land use years, house age and borrower age.
(1) The service life of the land is counted from the time when the developer takes the land;
(2) The age of the house is calculated from the date when the house is completed and accepted for delivery;
(3) Whether it is a second-hand house or a new house, as long as it involves housing loans, it is related to the age of the purchaser. Generally, the loan term is required, and the lender is under 70 years old.
The maximum loan amount for purchasing second-hand houses with provident fund personal housing loans shall not exceed the purchased houses.
The maximum loan amount for purchasing second-hand houses with provident fund personal housing loans shall not exceed 70% of the houses purchased. The purchase of ordinary commercial housing and affordable housing, the maximum loan amount shall not exceed 80% of the total purchase price; The purchase of housing (housing reform), the maximum loan amount does not exceed 90% of the total price of the purchased housing; For the purchase of second-hand houses, the maximum loan amount shall not exceed 70% of the total price of the purchased houses; Where securities are used, the maximum loan amount shall not exceed 90% of the face value of the securities; For the construction, renovation and overhaul of housing, the loan amount shall not exceed 60% of the required expenses.
How much can a second-hand housing provident fund loan cost?
Second-hand housing provident fund loan amount does not exceed 70% of the total house price. 2. The maximum loanable amount for employees who have paid the provident fund by one party is 300,000 yuan. For employees whose husband and wife both pay the provident fund, the maximum loan amount is 600,000 yuan. If the spouse is an officer, the spouse shall determine the loan amount according to the maximum loan amount, and the loan amount of the second-hand housing provident fund shall not exceed 70% of the total house price. 2. The maximum loanable amount for employees who have paid the provident fund by one party is 300,000 yuan. For employees whose husband and wife both pay the provident fund, the maximum loan amount is 600,000 yuan. If the spouse is an officer, the spouse shall determine the loan amount according to the maximum loan amount, and the loan amount of the second-hand housing provident fund shall not exceed 70% of the total house price. 2. The maximum loanable amount for employees who have paid the provident fund by one party is 300,000 yuan. For employees whose husband and wife both pay the provident fund, the maximum loan amount is 600,000 yuan. If the spouse is an officer, the spouse shall determine the loan amount according to the maximum loan amount. ...
How many provident fund loans can I borrow to buy a second-hand house?
Second-hand houses with age 1 less than 10 years: if the construction area is less than 144 square meters, the maximum loan ratio shall not exceed 80% of the total house price; If the building area is above 144 square meters, the maximum loan ratio shall not exceed 70% of the total house price.
2. Second-hand houses with room age 1 1-20 years: the maximum loan ratio shall not exceed 60% of the total house price.
3. Second-hand houses with the age of 2 1-30 years: the maximum loan ratio shall not exceed 50% of the total house price.
Extended data:
Second-hand housing provident fund loan materials
1, identity documents of the borrower and spouse, and marriage certificate;
2, the borrower family "real estate registration information query certificate";
3. Personal credit report of the borrower and spouse;
4. Proof of the use of housing provident fund paid by employees in different places (only issued by employees who have paid provident fund in different places);
5. The first-class bank card under the borrower's name;
5. Purchase contract or agreement;
6. Tax payment book (deed tax);
7. The transferred certificate of immovable property right.
What is the maximum amount of second-hand housing provident fund loans?
Buying a second-hand house, using the provident fund loan is not in accordance with your down payment ratio, so there is no problem with the loan ratio, and he is not limited by the ratio. ? Individuals can borrow for more than 6 months. Of course, buying a house is a prerequisite. 1 If the husband and wife jointly contribute to the provident fund, the maximum loan is 300,000 yuan, and if both parties jointly contribute, the maximum loan is 400,000 yuan. If any 1 couple is introduced by talents, the maximum loan can be 50,000 yuan. Therefore, to buy a second-hand house, the provident fund can only borrow up to 450,000 yuan. If the documents are complete, the loan will be fine, and the loan amount is what I said above.
Let's stop here for the most introduction of second-hand housing provident fund loans.