Loan information
(1) Loan amount
The maximum amount of CCB provident fund loans shall be implemented in accordance with the relevant provisions of the local housing provident fund management department.
(2) Expected annualized interest rate of loans
The provident fund loans of CCB shall be implemented according to the expected annualized interest rate of individual housing provident fund loans stipulated by the People's Bank of China.
(3) loan term
The loan term of CCB provident fund shall be determined by the local housing provident fund management department according to the actual situation of the borrower within the longest loan term stipulated by the People's Bank of China.
(4) repayment method
If the loan term is within 1 year (including 1 year), the principal and interest shall be repaid in one lump sum; If the loan term exceeds 1 year, the equal principal and interest repayment method, the average principal repayment method and other repayment methods recognized by the local housing provident fund management department shall be adopted.
Application conditions
The borrower must abide by the provisions of the housing provident fund management department on housing provident fund loans. The basic conditions should be:
(1) Pay the housing accumulation fund in full and on time;
(two) a stable economic income, good credit and the ability to repay the principal and interest of the loan;
(3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;
(4) There are self-raised funds above the minimum amount stipulated by the local housing provident fund management department, and it is guaranteed to be used to pay the down payment for the purchased (overhauled) housing;
(5) Having assets that meet the conditions of mortgage or pledge, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;
(6) Meet other loan conditions stipulated by the local housing provident fund management department.
How about CCB provident fund loan? Comprehensive introduction!
There are many different ways to buy a house now, such as commercial bank loans, portfolio loans and provident fund loans. Among them, the provident fund is the most choice, and the interest is very low. Many friends want to know how the provident fund loan under CCB is worth doing. Let's briefly introduce it today.
I. Processing conditions
If you want to apply for CCB provident fund, you must first comply with the regulations of the local housing provident fund management department.
The basic conditions should be:
(1) Pay the housing accumulation fund in full and on time;
(two) a stable economic income, good credit and the ability to repay the principal and interest of the loan;
(3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;
(4) There are self-raised funds above the minimum amount stipulated by the local housing provident fund management department, and it is guaranteed to be used to pay the down payment for the purchased (overhauled) housing;
(5) Having assets that meet the conditions of mortgage or pledge, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;
(6) Meet other loan conditions stipulated by the local housing provident fund management department.
Second, the loan amount:
The maximum amount shall be implemented in accordance with the relevant provisions of the local housing provident fund management department.
Three. Loan term:
Within the longest loan period stipulated by the People's Bank of China, the local housing provident fund management department shall determine the loan period according to the actual situation of the borrower.
Fourth, the loan interest rate:
According to the individual housing provident fund loan interest rate stipulated by the People's Bank of China.
Verb (abbreviation of verb) repayment method:
If the loan term is within 1 year (including 1 year), the principal and interest shall be repaid in one lump sum; If the loan term exceeds 1 year, the equal principal and interest repayment method, the average principal repayment method and other repayment methods recognized by the local housing provident fund management department shall be adopted.
How to calculate the loan amount when applying for provident fund loan to buy a house?
According to the current provident fund loan policy stipulated by the Provident Fund Management Center, as long as there is no Beijing household registration, you can apply for provident fund loans directly according to the "first set". The maximum loan amount is 6.5438+0.2 million. If you apply for the "second set", the maximum loan amount is 800,000.
1. How much can I borrow from municipal or central provident fund loans?
The individual deposit of the borrower will affect the loan amount of the municipal and zhongzhi provident funds.
1. How to calculate?
Single borrower: (individual payment ÷ payment ratio-1323)÷ monthly repayment amount in the corresponding year.
The borrower is married: (individual contribution ÷ contribution ratio -2646)÷ monthly repayment amount of corresponding years.
note:
(1)1323 yuan refers to the personal minimum living standard recognized by the provident fund management center.
② The "average monthly repayment amount of corresponding years" can be found through the comparison table of equal monthly repayment amount of loans provided by the provident fund center, and the corresponding average monthly repayment amount can be intuitively obtained according to the loan years.
Note: The average monthly repayment shown in the table corresponds to a loan of 6,543,800 yuan.
2. How to quickly judge whether you can borrow 6.5438+0.2 million yuan?
1) If you are single:
A person's deposit is less than 627 yuan, and the longest loan can be 25 years. The maximum loan amount is less than 800,000 yuan;
B Personal deposit is more than 627 yuan, the longest loan is 25 years, and the loan is 800,000 yuan;
C personal deposit is 86 1 yuan or above, and the longest loan can be 25 years10.2 million yuan;
2) If you are married:
A deposit of less than 785 yuan, the longest loan for 25 years, the maximum loan amount of less than 800 thousand yuan;
B deposit more than 785 yuan, the longest loan is 25 years, and the loan is 800 thousand yuan;
C deposit 1.0 1.9 yuan and above, with a maximum loan of 25 years and a loan of 1.2 million yuan;
2. How much can the state-managed provident fund loan borrow?
Borrowers who apply for state-managed provident fund loans need to make a trial calculation to know their loanable amount. The main ways of trial calculation are: on-site trial calculation and trial calculation by logging in the state-managed provident fund in official website. 1. On-site trial loan amount:
1) People who need to be present: the principal borrower;
2) Materials to be carried: ID card (married people need to carry ID cards of both husband and wife);
3) Trial address: No.8, Houjie, Art Museum, Dongcheng District, Beijing, namely Dongsi Sub-branch of China Construction Bank opposite to Beijing Hospital of Traditional Chinese Medicine. 2 through the national provident fund official website trial:
Workers who have paid in the state management can log on to the website of the housing fund management center of the central state organs, the column of "personal loan inquiry", or entrust a bank loan handling outlet to try out the personal loan amount of the housing provident fund and inquire about the progress of loan handling. The specific amount of housing provident fund personal loans shall be subject to the examination and approval results.
Personal loan inquiry can not only try out the loanable amount of provident fund, but also inquire account information and modify password.
1) Password registration is required for the first login. When registering, fill in the employee account number, ID number and employee name, and then click the password to register. After registration, you can log in to the system with the set password.
When entering the ID number, the letters you encounter should be capitalized.
2) Click on the trial loan amount and enter personal identification information (marital status, monthly income, credit status, debt status, housing units, etc.). ), provident fund account information (whether provident fund loans have been withdrawn), and purchased housing information (housing purpose, total housing price and housing type).
The borrower must fill in every item of information accurately (all items are required), otherwise the calculation result may be wrong.
3) Click Submit to calculate the maximum loan amount.
Note: If the balance of the provident fund account is less than 70,000, the borrower who applies for the national provident fund loan can calculate it as 70,000, and the minimum loan with sufficient deposit can be 700,000.
Source: Beijing Housing Provident Fund Management Center
This content is only applicable to Beijing.
Yanggu Construction Bank Provident Fund Loan Line
The maximum loan amount of Yanggu CCB provident fund is 50,000 yuan. According to the relevant information, the loan amount of Yanggu CCB's provident fund is 50,000 yuan within one year, 50,000 yuan for one to five years (including five years) and 654.38+10,000 yuan for more than five years.
What are the conditions and quotas for CCB provident fund loans?
1. The application for individual provident fund housing loans of CCB must comply with the relevant regulations of the Housing Provident Fund Management Department on housing provident fund loans. The borrower shall meet the following basic conditions:
(1) Pay the housing accumulation fund in full and on time;
(two) a stable economic income, good credit and the ability to repay the principal and interest of the loan;
(3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;
(4) There are self-raised funds above the minimum amount stipulated by the local housing provident fund management department, and it is guaranteed to be used to pay the down payment for the purchased (overhauled) housing;
(5) Having assets that meet the conditions of mortgage or pledge, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;
(6) Meet other loan conditions stipulated by the local housing provident fund management department.
2. CCB personal provident fund housing loan amount: the maximum amount shall be implemented in accordance with the relevant regulations of the local housing provident fund management department.
(In case of business changes, please refer to the actual situation. )
How much can the construction bank provident fund loan borrow? I want to rummage through the house.
Hello, if you need housing loans for the construction, renovation and overhaul of self-occupied housing, you can apply for provident fund loans, but I must meet the application conditions. According to the current policy, the basic provident fund loan for each household does not exceed 6,543,800 yuan or 654.38+ 05 times of the total storage amount of the account, and the supplementary provident fund loan for each household does not exceed 30,000 yuan or 2 times of the storage balance. For employees who have paid the provident fund at the same time, the maximum loan amount shall not exceed 6.5438+0.3 million yuan. And the maximum loan period is 30 years. The loan amount for purchasing second-hand houses or renovating or overhauling houses shall not exceed 50% of the total house price, and the longest term shall be 10 year. However, the loan term of the main lender shall not exceed the statutory retirement age of 5 years.
The maximum loan amount for purchasing primary market housing and self-built housing is 6.5438+0.5 million yuan, and the maximum loan ratio does not exceed 70% of the total price of purchased self-built housing; The maximum loan amount for purchasing a second-hand house is 80,000 yuan, and the maximum loan ratio does not exceed 50% of the appraised value of the house purchased.
Please consult your local provident fund management center for details.
Let's stop here for the introduction of CCB's provident fund loan quota.