20 14 conditions for foreigners to buy a house in Shanghai
1, and has been paying social security for more than 2 years in Shanghai.
2. Married.
20 14 provident fund loan conditions and procedures
First, the application conditions of Shanghai provident fund
Apply for a loan for six months before the normal continuous deposit of the city housing provident fund.
The payment for goods paid by self-owned funds shall not be less than 20%.
Have a stable economic income and repayment ability.
There are no outstanding debts that may affect the loan repayment ability.
As long as the loan applicant meets the above conditions, he can obtain the qualification of housing provident fund loan without household registration restrictions.
It is suggested that one of the husband and wife has applied for a housing provident fund loan, and neither husband nor wife can obtain a housing provident fund loan until the principal and interest of the loan are paid off.
Second, the Shanghai provident fund loan amount
The maximum loan amount of housing provident fund for purchasing ordinary self-occupied housing.
First purchase
The per capita area is less than 33.4㎡/ person's second purchase of improved housing.
Second purchase of non-improved housing
In principle, a person can borrow 40 times the balance of the basic provident fund account and 20 times the housing provident fund for the first suite, and the total of the two cannot exceed 400,000.
The actual loan amount can be directly consulted at the counters of several outlets of Shanghai Housing Property Rights Guarantee Center, and the results are authoritative and accurate.
The loan term of the first-hand house includes the second-hand house for 30 years, and the second-hand house 15 years.
The loan interest rate is 4.5% for loans over five years.
Third, the Shanghai provident fund loan processing process
1. Apply for a pure provident fund loan at the Shanghai Housing Property Guarantee Corporation.
2. Go to the housing security center to sign the loan agreement one week later, and both the buyer and the seller should be present.
It takes two weeks to wait for approval. After approval, the main lender will be notified by SMS.
4. Go to the real estate trading center to handle the property right transfer within 10 working days after receiving the SMS notification.
5, the real estate trading center for mortgage registration.
6. Bank loans to sellers
7. After the data is settled, the title certificate and loan certificate delivered by the guarantee center will be received about days after the transfer date.
Four, Shanghai provident fund loans and repayment principles
Although you can apply for a provident fund loan in the name of one person, the provident fund between husband and wife is tied, and the person who participates in the loan cannot apply for a personal provident fund loan again before paying off.
Those who have participated in provident fund loans cannot apply for personal provident fund loans again before they are paid off.
Husband and wife are directly related by blood, and provident fund loans can be repaid with provident fund.
Five, provident fund loan fees
The agency service fee shall be paid to 300 yuan in one lump sum.
For the guarantee fee, see the standard of guarantee fee.
The appraisal fee is calculated at 0. 1% of the appraisal price of the house. If the loan amount of the second-hand house before 1990 (inclusive) exceeds 30% of the total house price, and the loan amount of the second-hand house after 1990 exceeds 50% of the total house price, the house will be appraised by an appraisal company recognized by the agency.
How to borrow Shanghai provident fund loans?
Shanghai provident fund loan process: submit a written loan application and submit information. After the loan bank accepts it, it shall be examined and approved by the housing provident fund management department; Sign a loan contract with the bank after passing the qualification, and go through the formalities of mortgage registration, insurance and notarization; The loan bank directly transfers it to the borrower's special loan account.
Article 12 of the Provisional Regulations on the Administration of Personal Loans
The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.
Article 23 of the Provisional Regulations on the Administration of Personal Loans
The lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
Conditions and amount of Shanghai provident fund loan
Conditions of Shanghai provident fund loan: employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
The maximum loan amount of Shanghai family housing provident fund is 6,543,800+0,000, and the individual is 500,000. If there is supplementary provident fund, the maximum loan amount of family provident fund will be increased to 654.38+0.2 million, and that of individuals will be increased to 600,000. It shall not be higher than the loan amount determined according to the multiple of the amount stored in the housing provident fund account of the borrower, spouse and borrower (30 times of the balance of the provident fund account and 10 times of the balance of the supplementary provident fund account).
I. Interest rate of provident fund loans
(1) If the term of the provident fund loan is less than 5 years, the interest rate of the provident fund loan is 2.75%.
(2) If the term of the provident fund loan is more than 5 years (including 5 years), the interest rate of the provident fund loan is 3.25%.
(3) From August 26th, 2065438+2005, the housing provident fund will be used to support the pilot construction of affordable housing in Shanghai (that is, the housing provided by the government for low-income families with housing difficulties generally consists of low-rent housing, affordable housing and policy-based rental housing), and the loan interest rate will rise according to the loan interest rate of individual housing provident fund for more than five years10%;
Loans for less than 5 years: 2.75%× 1. 1=3.025%.
Loans for more than 5 years (including 5 years): 3.25% ×1.1= 3.575%;
Second, the calculation of provident fund loan amount
(1) Purchase of the first suite: the maximum personal loan amount is 500,000 yuan, and the maximum family loan amount is 1 10,000 yuan; Supplementary provident fund deposit, the maximum amount of personal loans is 600,000 yuan, and the maximum amount of family loans is 654.38+0.2 million yuan (refer to the Notice on Adjusting the Maximum Amount of Housing Provident Fund Loans and the Term of Second-hand Housing Loans in this Municipality);
(2) The paid workers' families who buy the second set of non-improved housing have a loan amount of 0, that is, they cannot use the provident fund loan;
(3) If it is recognized as the second set of improved housing, the interest rate of the provident fund loan will be adjusted to 1. 1 times the interest rate of the first set of housing loans in the same period (that is, floating10%); The maximum amount of family loans is adjusted to 800,000 yuan (the maximum amount of personal loans is adjusted to 400,000 yuan), and the supplementary provident fund is adjusted to 6,543,800 yuan (the individual is adjusted to 500,000 yuan); The down payment ratio of provident fund loans, ordinary housing shall not be less than 50%; Non-ordinary housing shall not be less than 70%.
3. The loan amount shall not be higher than 30 times the balance of the provident fund account of the borrower (* * * and the borrower and spouse) and 10 times the balance of supplementary provident fund; If the balance of the provident fund is 1 000 yuan, the maximum loan can be 1 000× 30 = 300,000 yuan; If the balance of the provident fund is 20,000, 20,000× 30 = 600,000, but the policy stipulates that individuals can borrow up to 500,000, so they can only borrow 500,000; According to this ratio, as long as the balance of the provident fund is 500,000 /30 = 17 yuan, the loan can reach 500,000.
How much can Shanghai provident fund loan borrow?
For personal housing provident fund loan business in China Bank, the loan amount is as follows:
1. Purchase the first house: the maximum amount of personal loan is 500,000 yuan, and the maximum amount of family loan is 1 10,000 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 600,000 yuan, and the maximum family loan amount is 654.38+0.2 million yuan.
2. Purchase of an improved second apartment: starting from 20165438+1October 29th, the maximum loan amount is 800,000 yuan (400,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543,800 yuan (500,000 yuan per person).
Note: If the online signing date of the borrower's house purchase contract is before 2065438+2006128 October (inclusive), the original policy shall prevail.
The above contents are for your reference. Please refer to the actual business regulations.
20 14 is there any new policy for Shanghai provident fund loan to buy a house?
Hello, if you need to handle our loan business, the housing provident fund personal housing loan refers to the housing consumption loan entrusted by the Shanghai Provident Fund Management Center to the employees who have paid the housing provident fund to buy their own houses. At present, Shanghai Branch only accepts individual housing portfolio loans, that is, when the individual's application for housing provident fund loans is insufficient to pay the purchase price, the insufficient part will apply to the bank for commercial housing loans.
The applicant shall meet the following conditions:
1. For employees who have permanent residence in cities and towns, participate in the housing accumulation fund and pay it normally, the borrower and the purchaser must be consistent in the house purchase contract;
2. The time for continuous deposit of housing provident fund before application is not less than 6 months;
3. After our inquiry, it was confirmed that there was no bad credit record;
4. The purchase and sale contract or pre-sale contract of the purchased house has been signed;
5. The down payment of the specified proportion has been paid, and the down payment of the first-hand house is not less than 20% of the total house price, and the down payment of the second-hand house is not less than 30% of the total house price.
(Note: If one spouse has applied for a housing provident fund loan, neither spouse can obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. )
Loan amount:
(1) Not higher than the loan limit determined according to the multiple of the balance stored in the respective housing provident fund accounts of the borrower, spouse and * * * borrower (40 times the balance of housing provident fund and 20 times the balance of supplementary housing provident fund);
(2) Not higher than the loan amount determined according to the proportion of the total house price;
(3) It is not higher than the loan limit determined according to the repayment ability, and its calculation formula is: the specified proportion of the salary base for the borrower to calculate the monthly deposit of housing provident fund (50%) 12 months loan period;
Term of the loan: for the purchase of a first-hand house, the longest term shall not exceed 30 years; The longest time to buy a second-hand house is 15 years, and the longest time is 5 years after the borrower retires legally.
I hope the above reply is helpful to you!
Shanghai provident fund loan conditions
With the progress of the times, most owners will use provident fund loans when buying a house. However, the use of provident fund loans is not as simple as everyone thinks, and some conditions must be met. Let's take a look at the loan conditions of Shanghai provident fund first!
1. What are the loan terms of Shanghai Provident Fund?
1. It must be the purchase of self-occupied housing owned by Shanghai towns.
2. In the first 6 months of applying for a loan, the housing provident fund must be paid continuously and normally.
3. At present, the lender's family has no outstanding housing provident fund debt.
4. If you apply for a personal housing loan with pure provident fund, you can go to the business office of Shanghai Housing Property Guarantee Co., Ltd. ... If your provident fund balance is insufficient, you can entrust all business outlets of the bank to apply for a portfolio loan.
Second, what should I pay attention to when buying a house with a provident fund loan?
1. Prepare loan information.
Because the procedures for buying a house with provident fund loans are very complicated, in order to save the time for loan approval, we can prepare the required loan materials in advance. If you don't know what materials you need to prepare for buying a house with a provident fund loan, you can go to the local provident fund management center for consultation in person.
2. Understand the loan requirements
It is understood that not everyone can apply for provident fund loans to buy a house. Only when they have paid the provident fund in full and on time for one year, and the provident fund is still in the state of payment, are such employees eligible to apply. In addition, there are some differences in the loan term, loan amount and commercial loan of the provident fund, so the lender must know clearly in advance.
Editor's summary: The above introduces the conditions of Shanghai provident fund loan and the related contents that should be paid attention to when buying a house with provident fund loan, hoping to give you some little help. If you need to know more about the Shanghai Provident Fund loan, you can continue to pay attention to our website, and there will be more exciting and interesting content in the future!
20 14 the introduction of Shanghai provident fund loan ends here.