Apply for individual housing provident fund loan in China Bank, with the loan amount 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. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

What is the loanable amount of commercial loan for buying a house in Shanghai?

Nowadays, due to the high housing prices, many people don't have enough funds to buy a house in full, so many people choose to borrow money to buy a house. So what is the loanable amount of commercial loans for buying a house in Shanghai? What are the precautions for housing loans in Shanghai? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.

What is the loanable amount of commercial loan for buying a house in Shanghai?

1. If a resident family purchases the first home, that is, if there is no home in Shanghai under the name of the resident family and there is no record of commercial housing loan or provident fund loan, it will apply for a commercial personal housing loan with a commercial loan amount of about 65%.

2. Families who already own a house in Shanghai or have no house in Shanghai but have housing loans apply for commercial personal housing loans with a commercial loan amount of about 50%. If you buy a non-ordinary self-occupied house, then the commercial loan amount is about 30%.

What are the precautions for housing loans in Shanghai?

1. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount returned should exceed the repayment amount of six months.

2. You can't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in the provident fund account is zero, which means that the amount of the provident fund loan is zero.

Don't forget to cancel the mortgage after the loan is paid off. After the borrower has paid off all the principal and interest of the loan, he can cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral to the core of the real estate transaction in the district where the real estate is located.

If it is difficult to repay the loan, don't forget to find the bank around you. When the borrower's debt repayment ability declines during the loan period and it is difficult to repay, don't insist on it yourself. You can apply to the bank for an extension of the loan period.

Abstract: The above is what Bian Xiao introduced to you about the loanable amount of commercial loans for buying houses in Shanghai, hoping to help some friends in need.

What are the conditions for Shanghai provident fund to buy a house loan

What are the conditions for Shanghai provident fund loan to buy a house?

First, the loan applicant is required to have paid the Shanghai housing provident fund for 6 months before handling the loan;

2. When applying for Shanghai provident fund loan to buy a house, the applicant is required to pay no less than 20% of the purchase price with its own funds;

Three, the borrower must have a stable economic income and the ability to repay the loan, and there is no other debt that will affect the repayment ability of the housing provident fund loan;

Four, when the husband and wife use the provident fund loan to buy a house, if one of them applies for the housing provident fund loan, neither party may apply for the housing provident fund loan before the loan principal and interest are paid off.

Provident fund loans can only be applied by those who pay the provident fund, and commercial loans are open to the public. Provident fund loans will be automatically deducted, just like commercial loans, and the balance of the same account is greater than the repayment amount, otherwise the repayment will fail, as long as the balance of any one of the main lender's provident fund account, auxiliary lender's provident fund account and repayment card is enough to repay. Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

First, the difference between provident fund loans and commercial loans:

1. Different loan ranges

Except for commercial and residential buildings, other types of houses cannot apply for provident fund loans. The types of houses with commercial loans are relatively loose. In addition to residential buildings, commercial and residential properties can also apply for commercial loans.

2. The nature of loans is different.

Provident fund loans are policy loans, not for profit. Commercial loans are loans issued by commercial banks, and their loan interest rates are higher than those of provident fund loans in order to obtain profits.

3. Different loan interest rates

The interest rate of provident fund for more than five years is 3.25%, and the interest rate of commercial loans for more than five years is 4.9%.

4. Keep the loan amount.

Every city has an upper limit on the amount of provident fund loans, but there is no clear upper limit on commercial loans.

5. The approval time is different

It takes about 40 working days for provident fund loans and only 20 working days for commercial loans.

What is the process of buying a house with a loan in Shanghai?

Housing prices in first-tier cities remain high, and many buyers are eager to buy a house. Before this, they need to know the materials and processes needed for housing loans in order to "keep up with the crisis". So, what is the process of Shanghai mortgage? (

)

1. Shanghai loan application materials for buying a house:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Second, the Shanghai loan to buy a house application process

1. property selection: it should be confirmed whether the shopping industry has bank support to ensure the smooth acquisition of mortgage loans.

2. Application for mortgage loan: Fill in the application for mortgage loan.

3. Signing a house purchase contract: After the house buyer meets the mortgage loan conditions, he can sign a pre-sale and sales contract with the developer or his agent.

4. Sign a building mortgage contract: sign a building mortgage loan contract with developers and banks, and stipulate the rights and obligations such as loan amount, term, expected annualized interest rate and repayment method.

5. Mortgage registration and insurance: Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the amount shall not be less than the total value of the collateral.

6. Opening a special repayment account: open a special repayment account in a financial institution designated by the bank, and sign a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.

20 17 Shanghai housing loan problem

First, the provident fund loan has been handled, and job changes will not affect the provident fund loan. Just deposit the monthly payment into the repayment account of the loan on time every month. If the provident fund is withheld, when the balance of the provident fund account is deducted to a certain amount, it cannot be deducted. The bank will inform you to go through the formalities and deposit the monthly payment into the repayment account every month.

Second, if the loan has been issued, it will be calculated according to the interest rate agreed in the previous loan contract. Even if you stop paying the provident fund, it will not affect your provident fund loan interest rate. The change of the interest rate of provident fund loans depends on whether the country will adjust the benchmark interest rate. If it is adjusted during the year, your loan interest rate will change in 1 month of the following year.

20 17 what is the interest rate of Shanghai housing loan?

Interest rate item interest rate (%)

Within six months (including six months) 4.35

Half a year to one year (including 1 year) 4.35

One to three years (including three years) 4.75

Three to five years (including five years) 4.75

More than five years 4.9

20 17 the introduction of Shanghai mortgage is over.