Second-hand houses can use provident fund loans, and the following conditions need to be met: 1, with a continuous normal deposit of six months; 2. When applying for a loan, the account is in a normal deposit state; 3. There is no outstanding provident fund loan in the name of the borrower and the repayment party, and the provident fund has not been used for more than two times; 4. The customer's family-based credit report is good (the loan has not been repaid for three consecutive months or overdue for six times or more within two years, and the loan is refused); 5. The borrower and * * * only have a set of non-provident fund loan housing or no housing under the name of the next family; 6. The demand for foreign accounts meets the conditions for the use of Jinan Provident Fund.
I am a teacher. Buying a house for the first time has a housing provident fund. How can I buy a house with a housing provident fund loan?
First of all, according to the "Implementation Measures for Personal Housing Provident Fund Loans", the borrower applying for such loans must meet the following conditions: the borrower is an individual who normally pays the housing provident fund in the "provident fund center"; The borrower purchases affordable housing recognized by the lender; Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, and have the ability to repay the principal and interest of the loan; Having a house purchase contract or relevant supporting documents; The borrower agrees to mortgage the property listed in the house sales contract signed with the developer to the lender, giving the lender priority mortgage and compensation as a guarantee for repayment of principal and interest; The borrower has the ability to pay not less than 30% of the funds needed for house purchase; Other conditions stipulated by the lender.
After meeting these conditions, you can apply for a loan from the bank with your ID card, the purchase contract signed by the real estate company, the monthly income certificate (payroll) issued by the provident fund center, and the deposit certificate of the provident fund. Generally speaking, in order to ensure the safety of funds, banks should conduct certain audits on the credit and economic strength of borrowers.
The interest rate of such loans is lower than that of commercial loans. Within five years (including five years), the monthly interest rate is 3.45 ‰, and the annual interest rate is 4. 14%. For more than 5 years, the monthly interest rate is 3.825 ‰ and the annual interest rate is 4.59%. The state stipulates that the maximum amount of provident fund loans cannot exceed twice the amount of housing provident fund paid by borrowers within their retirement age.
The state stipulates that the loan period is one to ten years, but the longest period is not more than twenty years. Banks generally require borrowers to pay interest first, and then pay the same amount of principal and interest. Generally speaking, banks have three ways to determine how much to lend to borrowers and how long to borrow them. 1. The loan amount is determined according to 10 times of the balance of housing accumulation fund paid by the borrower. 2. 40% of the borrower's total salary is used as the loan amount that can be applied. 3. According to the borrower's monthly repayment ability and the bank's monthly loan interest rate of 3.825 ‰, the approximate repayment period can be calculated by substituting the corresponding formula. In addition, the bank will "repay the loan" to the provident fund in March each year, and the reduction amount will not exceed 12 times of the monthly repayment amount of that year. In other words, the provident fund you pay can not only apply for a loan with lower interest rate, but also help you repay part of the loan amount.
After all this is clear, we will enter the final stage of buying a house by loan: deposit 30% of the down payment into the account opened by the real estate company in your loan bank; Deal with a savings card at your loan bank, so that the bank can deduct the loan amount from the card every month; Sign a loan contract. At the same time, we must mortgage the house, buy insurance and finally notarize it. These things are handled by the bank and the expenses are borne by the borrower.
What is the down payment ratio of the first suite of provident fund?
Amount and proportion of first-hand housing provident fund loans
1. If the first-hand housing provident fund loan is used to purchase the first house, the maximum loan amount is 600,000 yuan, and the following conditions are met:
① The loan amount shall not exceed 70% of the total price of the house purchased (80% may be relaxed if the building area is less than 90 square meters);
② If the borrower pays the housing provident fund unilaterally and normally, the loan amount generally does not exceed 50% of the total price of the house purchased, but if the monthly deposit amount of the provident fund reaches 1400 yuan (the specific amount is subject to the data published by the management center), it can be relaxed to not exceed the proportion specified in the above paragraph "①" on the basis of considering its repayment ability.
2. If you use the first-hand housing provident fund loan to buy two houses, the maximum loan amount is 500,000 yuan, and the maximum loan amount does not exceed 40% of the total house price.
(two) the amount and proportion of second-hand housing provident fund loans
The maximum amount of the second-hand housing provident fund loan is 400,000 yuan, and the following conditions are met:
1. The highest proportion of the first housing loan of the second-hand housing provident fund is divided into three grades according to the construction completion years. If the completion period of the house is within 10 year (including 10 year), the maximum loan ratio shall not exceed 70% of the total house price; If the house completion period is within 1 1-20 years (including 20 years), the maximum loan ratio shall not exceed 60% of the total house price; If the completion period of the house is within 2 1-30 years (including 30 years), the maximum loan ratio shall not exceed 50% of the total house price. Among them, the determination of the total housing price is based on the housing evaluation price, the actual transaction price and the lowest price in the taxable value;
2. If the borrower unilaterally pays the housing provident fund, the loan amount generally does not exceed 50% of the total price of the purchased house; However, if the monthly contribution of the provident fund reaches 1.400 yuan or above (the specific amount is subject to the data published by the management center), it may be relaxed to not exceed the proportion specified in the preceding paragraph "1" on the basis of considering its repayment ability;
3. The maximum proportion of second-hand housing provident fund and second-hand housing loans shall not exceed 40% of the total housing price.
What are the provident fund loan procedures for buying the first suite in Guangzhou?
First home provident fund loan process:
(1) application. The loan applicant shall submit a written loan application and related materials, which shall be submitted to the housing provident fund management department or directly applied to the housing provident fund management department for approval after being accepted by the Construction Bank.
(2) Sign a contract and open a deposit account. After the loan application is approved by the housing provident fund management department, the Construction Bank will notify the borrower to sign a loan contract and a guarantee contract. The borrower who chooses to entrust the repayment by deduction must open a debit account with a savings card or credit card in China Construction Bank.
(3) Mortgage registration and home insurance. After the signing of this contract, mortgage registration and other necessary procedures shall be handled in accordance with national and local laws and regulations. The mortgage registration fee shall be borne by the borrower, and the original insurance policy shall be kept by the loan bank during the mortgage period.
(4) expenditure. The borrower fills in the loan transfer voucher at the Construction Bank, and the Construction Bank transfers the loan funds to the seller's house selling account opened at the Construction Bank in one lump sum or in several installments according to the loan contract, or directly transfers the loan funds to the borrower's deposit account opened at the Construction Bank.
(5) Repayment on schedule. According to the repayment plan and repayment method agreed in the loan contract, the borrower entrusts the Construction Bank to deduct money by stages or go to the counter of the Construction Bank to repay the principal and interest of the individual provident fund housing loan on schedule.
(6) loan settlement. Before the loan expires, if the borrower settles the loan in advance, it shall apply to the Construction Bank or the housing provident fund management department in advance according to the loan contract, and the housing provident fund management department shall examine and approve it.
After the loan is settled, the borrower receives the "loan settlement certificate" from the Construction Bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department with the "loan settlement certificate" issued by the Construction Bank.
Can teachers use housing provident fund loans? If so, how much can I borrow?
First, teachers can use housing provident fund loans, and the specific loan amount should be determined according to the regulations and policy requirements of the local provident fund management center. Different cities have different requirements and calculation methods for the maximum loanable amount of provident fund.
Two, provident fund loans refers to the housing provident fund workers enjoy loans. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.
Three, the amount of provident fund loans and calculation methods:
The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.
1. The calculation formula is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
Use spouse quota:
[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).
Among them, the repayment ability coefficient is 40%.
Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).
2. The loan amount calculated according to the house price
The calculation formula is: loan amount = house price × loan ratio.
Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans:
A purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing.
Workers' families (including employees, spouses and minor children, the same below) who purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private property housing) with a construction area of less than 90 square meters (including 90 square meters) shall pay a down payment of not less than 20% of the purchased housing price, and the loan amount shall not be higher than 80% of the purchased housing price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price.
If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price.
Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans.
When purchasing private housing, if the housing price is inconsistent with the assessed price, the lower of the two shall be the approved limit.
The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation.
B for the purchase of existing public housing, the loan amount shall not exceed 70% of the purchased housing price; For the construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the cost of housing construction and repair.
The introduction of the teacher's first suite provident fund loan ends here.