The loan target is employees who have paid the housing provident fund in accordance with the regulations and have full civil capacity. Employees applying for housing provident fund loans must meet the following conditions:
1, with valid residence status in this city;
2, when applying for a loan, the normal continuous deposit of housing provident fund for more than 6 months (inclusive);
3. The down payment for the purchase of commercial housing, the first suite and the second improved self-occupied housing shall not be less than 20% of the total purchase price; There is a set of housing and the commercial personal housing loan has not been settled, and the purchase of the second suite is not less than 60% of the total purchase price and the loan interest rate rises10%;
4, a stable wage income, good personal credit, with the ability to repay the loan principal and interest on time;
5. Agree to use the full value of the property purchased by the loan as collateral, and the real estate development enterprise will provide phased guarantee for the purchaser;
6. To apply for a housing provident fund loan again, you must pay off the last housing provident fund loan;
7. Other conditions stipulated by the provident fund center.
Second, Ningbo urban housing provident fund second-hand housing loan conditions
The loan target is employees who have paid the housing provident fund in accordance with the regulations and have full civil capacity. Employees applying for housing provident fund loans must meet the following conditions:
1, with valid residence status in this city;
2, when applying for a loan, the normal continuous deposit of housing provident fund for more than 6 months (inclusive);
3. The down payment for house purchase, the first suite and the second set of improved self-occupied housing shall not be less than 30% of the total house purchase; There is a set of housing and the commercial personal housing loan has not been settled, and the purchase of the second suite is not less than 60% of the total purchase price and the loan interest rate rises10%;
4, a stable wage income, good personal credit, with the ability to repay the loan principal and interest on time;
5. Agree to use the full value of the property purchased by the loan as collateral;
6. To apply for a housing provident fund loan again, you must pay off the last housing provident fund loan;
7. Other conditions stipulated by the provident fund center.
20 18 what are the loan policies of Ningbo provident fund?
I believe everyone knows that people with provident fund have great advantages in using provident fund when buying a house. Using provident fund loans will not only reduce interest rates, but also increase the loan amount. You can also deduct the down payment from the provident fund. People like it. Recently, Ningbo's provident fund loan has issued a new policy, and people who want to buy a house are more concerned. Next, Bian Xiao will introduce the loan policy of Ningbo Provident Fund to you!
Ningbo provident fund loan policy
1, provident fund loans are mainly used for personal housing loans, which can be used to pay for employees to build, renovate, purchase and overhaul ordinary self-occupied houses to support people's basic housing needs. Ningbo uses the housing provident fund loan to purchase the first set of ordinary self-occupied housing. If 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%; And Xing Tao construction area of more than 90 square meters, then the loan down payment ratio can not be less than 30%.
2. When buying the second set of housing provident fund loans in Ningbo, the housing construction area is only lower than that of employees' families, so the down payment ratio of the second set of housing provident fund loans shall not be lower than 50%, and the loan interest rate shall not be lower than 1. 1 times of the personal housing loan interest rate of the first set of housing provident fund loans. Stop using provident fund loans to buy a third set.
Housing provident fund loan conditions
1. The borrower must be an urban hukou; I and the unit need to pay the housing accumulation fund continuously in the local area 1 year or more.
2, need to have a stable professional income, and good credit, but also need to have the ability to repay the principal and interest of the loan, a legal purchase agreement or contract, and assets as a mortgage or pledge of the loan.
Bian Xiao's conclusion: The above content is an introduction to the relevant contents of Ningbo provident fund loan policy, hoping to help you. I believe that through the above, you will have a better understanding of the loan conditions of housing provident fund. If there is demand in the future, you can refer to it.
Latest! Ningbo's first personal housing provident fund loan interest rate is lowered!
Just now, Ningbo Housing Provident Fund Management Center issued a notice on lowering the interest rate of the first individual housing provident fund loan.
The People's Bank of China has decided to reduce the interest rate of the first individual housing provident fund loan by 0. 15 percentage point from June 2022, and adjust the interest rates for less than five years (including five years) and more than five years to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.
Source map
After the implementation of the new provident fund loan interest rate, for first-time buyers, it will actually save a purchase cost. Calculated by a provident fund loan with a fixed term of 30 years of 6,543,800 yuan, under the new interest rate of the first home, the total loan interest under the matching principal and interest loan method will be reduced by about 30,000 yuan, and 82 yuan can be paid less every month.
Personal housing provident fund loan interest rate adjustment table
Employees applying for housing provident fund loans in Ningbo Housing Provident Fund Management Center and its sub-centers should pay attention to the following points:
The first set of individual housing provident fund loans issued after June 1 and June 1 (inclusive) in 2022 shall be implemented at the adjusted new interest rate;
2. The first unexpired personal housing provident fund loan was issued before June 65438+1 October 1 in 2022, and it will be implemented at the adjusted new interest rate from June 65438+1October/in 2023.
Source: Ningbo Housing Provident Fund Management Center
Ningbo provident fund loan amount
What is the maximum loan amount of Ningbo provident fund in 2022?
Maximum loan amount
Employees who have continuously paid the housing provident fund for 2 years according to regulations and apply for housing provident fund loans for the first time to purchase the first family-occupied housing, the maximum loan amount is 6,543.8+0,000 yuan/household;
Employees who have continuously paid the housing provident fund for 6 months according to regulations and apply for housing provident fund loans for the first time to purchase the first family-occupied housing, the maximum loan amount is 800,000 yuan/household.
Other issues
Q: It turns out that the loan is a portfolio loan, not the first suite. The original provident fund loan of 400,000 yuan is still being paid. Now according to the new policy, the maximum loan can be 800 thousand. Can some commercial loans be converted into provident fund loans?
A: No, if the same set of housing and provident fund loans have not been settled and the property rights have not changed, you cannot apply for housing provident fund loans again.
Q: I have borrowed the provident fund for the first time, which has been settled and the house has been sold. Now I bought another suite. At present, I only have the newly bought suite in my name. How much can I borrow from the provident fund?
A: If you apply for a housing provident fund loan for the second time to purchase the first family housing, the maximum loan amount is 800,000 yuan/household.
This is the end of the introduction of the first-home provident fund loan in Ningbo and the calculation method of the first-home provident fund loan in Ningbo. I wonder if you found the information you need from it?