Second home loan provident fund down payment ratio

1. The down payment ratio of the provident fund second suite is lowered. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a notice yesterday to adjust the minimum down payment ratio of individual housing loans for housing provident fund.

2. If you own 1 apartment and have settled the house purchase loan, the minimum down payment ratio for purchasing the second suite will be reduced to 20%.

3. On March 30th, it was stipulated to use provident fund loans to purchase the first set of ordinary self-occupied houses, and the minimum down payment ratio was 20%.

4. If you own 1 apartment and have settled the corresponding housing loan, you can apply for provident fund loan again to buy ordinary self-occupied housing, with the minimum down payment ratio of 30%.

5. The Ministry of Finance and State Taxation Administration of The People's Republic of China jointly issued the Notice on Adjusting the Business Tax Policy of Individual Housing Transfer, which changed the period of exemption of second-hand housing business tax from 5 years to 2 years.

6. The announcement of the New Deal jointly issued by the Ministry of Housing and Urban-Rural Development and the Ministry of Commerce released the time limit and quantity requirements for overseas individuals to purchase houses in China, and lowered the threshold for foreign investment in real estate enterprises. China property market "foreign order" 10 was loosened for the first time in 0 years.

7. From June 1 day, the loan applicant who owns 1 house and has settled the personal loan of the corresponding housing accumulation fund to buy a second ordinary self-occupied house will implement the second housing loan policy, with the minimum down payment ratio of 30% and the maximum loan amount of 800,000 yuan.

2. Qinhuangdao: The maximum amount of provident fund loans is 800,000 yuan, and the down payment ratio of secondary loans is 30%.

On June 6th, the Housing Provident Fund Management Center of Qinhuangdao City, Hebei Province issued the detailed rules for the implementation of "Several Policies and Measures on Stabilizing the Economic Operation of our City" by the municipal government.

According to the New Deal, Qinhuangdao raised the maximum loan amount, and the upper limit of the single employee loan amount was adjusted from 400,000 yuan to 600,000 yuan, and the upper limit of the double employee family loan amount was adjusted from 600,000 yuan to 800,000 yuan.

When using the housing provident fund loan to purchase self-occupied housing for two-star green buildings and ultra-low-energy buildings, the loan amount will be increased by 10% on the premise that the maximum loan amount of Qinhuangdao housing provident fund is not exceeded and the repayment ability meets the policy requirements.

At the same time, if Qinhuangdao reduces the down payment ratio of the second set of loans, pays off the depositor of the first individual housing provident fund loan, and applies for housing provident fund loans to buy self-occupied housing again, the minimum down payment ratio will be adjusted from not less than 60% to not less than 30%.

The New Deal also proposes that if Qinhuangdao City pays the full amount of employees to buy new self-occupied houses in this city, parents of both husband and wife can apply for withdrawing housing provident fund to support their children to buy houses (only once).

In terms of extending the control line of housing age for stock housing loans, the New Deal mentioned that the maximum housing age limit for those who purchase stock housing (second-hand housing) and apply for housing provident fund loans will be adjusted from no more than 25 years to no more than 30 years, and the sum of housing age and loan life will not exceed 45 years.

In order to increase the support for renting expenses, the New Deal proposed to increase the maximum amount of housing accumulation fund for renting commercial housing for families without housing. The main urban area (seaport area and western development zone) was adjusted from the original 1 10,000 yuan/year to1.20,000 yuan/year, and other districts and counties were adjusted from the original 8,000 yuan/year to 9,000 yuan/year.

In addition, the New Deal clearly implements a deferred payment policy for enterprises with operational difficulties. Enterprises with difficulties in production and operation affected by the COVID-19 epidemic may apply to the Municipal Housing Provident Fund Management Center for holdover according to regulations. Upon approval, the enterprise can postpone the payment of housing provident fund before the end of the year, and then repay it after the economic benefits improve. Employees of holdover enterprises can normally withdraw and apply for housing provident fund loans, which is not affected by holdover of enterprises.

Affected by the epidemic situation in COVID-19, families with difficulties in life cannot repay the housing provident fund loans normally, and can apply to the municipal housing provident fund management center for deferred repayment in accordance with the regulations. Upon examination, it is confirmed that the loan will not be overdue and will not be submitted to the credit reporting department as an overdue record.

3. How much can I borrow from the provident fund after 8 years' retirement?

The amount of housing provident fund loans varies from region to region, with the highest being 800,000 in Beijing and 400,000 in Qinhuangdao, Hebei. As long as you have proof of income, there is no problem in the loan amount, but the loan period is 65 years old.

4. What is the minimum down payment for Qinhuangdao loan to buy a house?

Hello 1, the lowest mortgage interest is the provident fund loan. 2. First-time home buyers, with a down payment of more than 40% /3. The monthly payment depends on how many years you borrow. It is recommended to pay 12 years, and I will give you a monthly payment of 1 10,000. You can calculate by yourself, and your provident fund loan amount is 9 1 multiplied by the monthly payment. I don't know what you said, but I don't think there is any risk. 5. Agreement between the developer and you/