It is understood that Mr. Song once owned a house, used the provident fund loan and paid it off. Now the second suite he wants to buy is a first-hand house, and both husband and wife have paid the provident fund. He wants to know how much money he can borrow now.
The reporter learned from the Municipal Housing Provident Fund Center that according to the latest housing provident fund loan policy in our city, loan applicants have never used housing provident fund loans and the maximum loan ratio for purchasing the first home is 80%; The loan applicant has used the housing provident fund loan, and the maximum loan ratio for applying for housing provident fund loan for re-purchase is 70%; The maximum loan ratio for a loan applicant to purchase a second house is 70%.
Loan amount for purchasing new commercial housing (first-hand housing). Both husband and wife pay housing provident fund, and the maximum loan amount for employees with good credit and repayment ability is 600,000 yuan, and the maximum loan amount for employees who pay housing provident fund unilaterally is 500,000 yuan.
Loan amount for purchasing stock houses (second-hand houses). Both husband and wife pay housing provident fund, and the maximum loan amount for employees with good credit and repayment ability is 500,000 yuan, and the maximum loan amount for employees who pay housing provident fund unilaterally is 400,000 yuan; Among them, the proportion of loans with the age of 10 year (inclusive) cannot exceed 70% of the total house price, and the proportion of loans with the age of 1 1 year to 30 years (inclusive) cannot exceed 60% of the total house price.
Upon inquiry, Mr. Song's provident fund account has paid the housing provident fund in full and on time for 6 months (the deposit account is in normal condition, and it has been paid continuously for 6 months before the loan, excluding the payment).
The house purchased by Mr. Song is worth 6,543,800 yuan, and the maximum loan ratio is 70% of the total house price. Since Mr. Song has paid off the loan before, the balance in the husband and wife's card is less than 20,000 yuan after the combined calculation, and the loan amount applied for housing provident fund shall not exceed 15 times of the balance of the borrower's housing provident fund account, that is, 300,000 yuan. According to the standard minimum loan amount, the maximum loan amount for Mr. Song to purchase the second suite at this time is 300,000 yuan.