1. Employees who have paid the housing provident fund in full for three consecutive months and rented affordable rental housing in Tianjin can apply for withdrawal of the housing provident fund, and the monthly withdrawal amount shall not exceed the rent paid in that month, and the total amount shall not exceed 2,400 yuan.
2. If Tianjin employees apply for individual housing provident fund loans to purchase the first family home, the maximum loan amount is 800,000 yuan. If the fund utilization rate of Tianjin housing provident fund exceeds 90% for three consecutive months, the Tianjin Housing Provident Fund Management Center will report to the office of the Municipal Housing Provident Fund Management Committee and make an announcement to the public, and the maximum amount of the first set of housing loans will be reduced to 600,000 yuan from the next month 1 day; If the utilization rate of housing provident fund funds is less than 85% for three consecutive months, Tianjin Housing Provident Fund Management Center will report to the office of the Municipal Housing Provident Fund Management Committee and make an announcement to the public, and increase the maximum amount of the first set of housing loans to 800,000 yuan from the next month 1 day. The "utilization rate of housing provident fund funds" in this notice refers to the utilization rate of housing provident fund funds at the end of the month.
3. If an employee buys the first set of housing and affordable housing in Tianjin, in addition to the employee himself and his spouse, the parents of the employee and his spouse can also apply for withdrawal of housing provident fund.
Matters needing attention
1, couple loan
If both husband and wife borrow money to buy a house, whether they apply for provident fund loans before or after marriage, as long as one of them has applied for provident fund loans, the central system will have corresponding records. Before the previous loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second house.
2. Second Suite
If the borrower has already used the provident fund loan when purchasing the first suite, he can't apply for the provident fund loan to buy the second house again before the provident fund loan is paid off. Only after paying off the previous housing loan can you use the provident fund loan again, and you can't use the provident fund loan to buy the third and above houses.
3. Amount of provident fund
Don't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund before the loan payment, the balance of the provident fund in the provident fund account will be zero, so the amount of the provident fund loan will be zero, which means that he will not apply for a provident fund loan.
4. Advance payment
According to the relevant provisions of provident fund loans, the repayment amount should be in advance after 1 year repayment, and the repayment amount should exceed the repayment amount of 6 months. Therefore, if the loan you apply for is less than one year, don't apply for prepayment, because if you apply, the bank will charge more liquidated damages.
5. Difficulties in repayment
Don't forget to find the bank around you if you have difficulty repaying the loan. When the ability to pay debts declines and it is difficult to repay loans, don't hold on by yourself. You can apply to the bank for an extension of the loan period. After investigation by the bank, the bank will accept your application for extending the loan period. However, according to the regulations, the loan term can only be changed once.
6. Lost contracts
Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the receipt are all important legal documents. As the loan period can be up to 30 years, as a borrower, you should keep the contract and the receipt properly, and read the terms of the contract carefully to understand your rights and obligations. In the process of using personal housing provident fund loans to buy a house, we must pay attention to the above matters to avoid unnecessary troubles caused by negligence and other reasons.
Tianjin provident fund loan policy
Tianjin housing provident fund loan policy is as follows:
1, housing provident fund personal housing loans can only be used to pay for employees to buy, build, renovate and overhaul ordinary self-occupied housing to support basic housing needs. It is strictly forbidden to use housing provident fund personal housing loans for speculative purchase;
2 to maintain the continuity and stability of the policy of paying employees' families to use housing provident fund and personal housing loans to buy the first bucket of ordinary self-occupied housing. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. Xing Tao construction area of less than 90 square meters, the loan down payment ratio is not less than 20%; Xing Tao construction area of more than 90 square meters, the loan down payment ratio shall not be less than 30%;
3. Housing accumulation fund The second set of personal housing loans is only provided to the paid workers' families whose existing per capita housing construction area is lower than the local average level, and the purpose of the loans is limited to the purchase of ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan is not less than 50%, and the loan interest rate is not less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period;
4. Stop issuing housing provident fund personal housing loans to paid workers' families who buy third and above houses;
5, urban housing provident fund management committee to according to the local housing prices, per capita housing construction area and housing provident fund business development, in order to support the paid workers to buy ordinary self-occupied housing loan demand as the principle, reasonably determine the maximum amount of housing provident fund personal housing loans, and report to the provincial housing and urban construction, finance, the people's Bank of China, banking regulatory authorities for the record;
6, the city housing provident fund management center and the entrusted bank should take effective measures to strengthen the investigation, review, mortgage, issuance and recovery of housing provident fund personal housing loans, and effectively strengthen loan risk management to ensure the safety of funds. Xiao Hui Debate Provident Fund Housing Management Center shall, jointly with relevant competent departments, pay close attention to establishing an information sharing mechanism to prevent fraudulent housing provident fund personal housing loans and other acts. At the same time, it is necessary to simplify the procedures and improve the service level.
Legal basis: Article 15 of the Regulations on the Administration of Housing Provident Fund.
Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center.
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What is the interest rate of the first home loan in Tianjin?
The interest rate of the first home loan in Tianjin is 4.4%.
1.202 1 Tianjin housing purchase conditions, down payment, loans and other policies. 1. Rules for identifying the first and second houses. At present, the policy implemented in Tianjin is: the family is the unit to recognize housing and loans, and the number of housing loans in Tianjin is the unit to families. Description of the number of loans in the name: a. The real estate is only recognized in this city, and the loan records are networked nationwide. B. the number of non-residential loans does not count. C. There are two loans in the family name.
Two, housing mortgage loans are divided into commercial loans, provident fund loans and portfolio loans.
(1) down payment ratio, loan term and loan interest rate of commercial loans
1. Local registered families, single local registered families and foreign registered families (Tianjin social security for two years) can buy the first home. The down payment ratio is 30%, the longest loan period is 25 years, and the loan interest rate is 30 basis points higher than LPR.
2. Local registered families, single local registered families (only for purchasing Binhai New Area) and foreign registered families (only for purchasing Binhai New Area after two years of social security in Tianjin) can buy two houses. The down payment ratio is 60%, the loan term is 25 years, and the loan interest rate is 60 basis points higher than LPR.
3. Families with three or more sets of local household registration, single local household registration and foreign household registration (Tianjin social security has been completed for two years) can only buy in Binhai New Area, and the full amount is required.
Three, the common problems in personal housing commercial loans
(1) Due to the strict policy of restricting purchases and loans, basically all banks in the Tianjin market are implementing the same interest rate policy at present, so it makes little difference which bank to choose for mortgage. If it is in the normal free competition environment, the preferential interest rate of mortgage: joint-stock banks and state-owned banks of urban rural commercial banks, that is, everyone can give priority to asking small banks whether they have more favorable interest rate policies in the process of mortgage.
(2) Qualification requirements of the main lender A. Age: At present, the requirement in prime bank is that the borrower's age plus the loan period should not exceed 75 years old, and some banks have more relaxed requirements. The borrower's age plus the loan period is no more than 85 years old, which can basically meet the housing needs of people of all ages. B requirements for residence and workplace: at present, most banks have no special requirements for residence and workplace, and they can work or live in other places. Some banks will require foreign customers to have local accounts. C. Income: Generally, it is required that the monthly repayment of all individual houses under the name of the borrower's family should not exceed 50% of the family's monthly income. If a person's income does not meet the requirements, the income of his spouse, parents (in-laws) and children can be included in the calculation, and the spouse, parents (in-laws) and children can apply for a loan together with the repayment.
(3) The mortgage processing cycle ranges from two weeks to two months;
(4) Precautions in the process of mortgage handling A. Don't apply for other loans, don't click on links such as online loan application or quota inquiry, and don't apply for credit card installment. B.don't jump ship. C. don't change your marital status. D. don't have bad credit such as overdue repayment.
What are the requirements for mortgage loan in bank of tianjin?
To apply for a housing loan at China Merchants Bank, you must comply with the local housing purchase policy, and the age plus loan period shall not exceed 70. At the same time, you must provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation.