Jining provident fund second-home loan with a loan life of 58, yuan is 2 years

The specific conditions of Jining provident fund second-home loan need to be determined according to local policies and bank policies. Under normal circumstances, the maximum amount, loan period and interest rate of provident fund loans will be limited to some extent.

Take the current policy of Jining Housing Provident Fund Management Center as an example:

1. Maximum loan amount: the maximum loan amount of Jining Housing Provident Fund is 7%. Therefore, if the total house price is 58,, the maximum loan amount is 46,.

2. loan period: the longest loan period is 25 years, but since this is the second suite, there may be different policies, so you need to consult the local provident fund management center or bank.

3. interest rate: the interest rate of provident fund loans in Jining city can be divided into two types: fixed interest rate and mortgage interest rate, in which the fixed interest rate is divided into five grades according to the loan years, and each grade has different interest rates. The mortgage interest rate fluctuates with the market interest rate. According to the current interest rate level, the fixed interest rate is about 4.5%, and the mortgage interest rate is about 3.25%.

It should be noted that the above information is for reference only. The actual loan amount, term and interest rate should be determined according to local policies and specific conditions. It is recommended that you consult Jining Housing Provident Fund Management Center or bank for more detailed loan conditions and procedures.

How much can the second-hand housing provident fund in Jining be loaned at most

According to the following information, where is the loan amount decided?

1. For the purchase of commercial housing or affordable housing, the maximum loan amount shall not be higher than 7% of the total purchase price; The purchase of second-hand houses or houses raised by units shall not be higher than 6% of the total purchase price. If the price of the house purchased by the borrower is obviously higher than the market price, the loan amount shall be determined at the assessed price;

2. The maximum loan amount of Yankuang Sub-center of Jining Housing Provident Fund Management Center and Jining Urban Comprehensive Service Hall is 3, yuan;

3. The maximum loan amount of Yanzhou, Qufu and Zoucheng sub-centers is 25, yuan;

4. The maximum loan amount of Weishan County, surabaya county County, Yutai County, Jinxiang County, Jiaxiang County, Wenshang County and Liangshan County Management Department is 2, yuan;

5. The loan amount of individual housing provident fund shall be comprehensively determined according to the following conditions:

(1) The maximum loan amount shall not exceed 7% of the existing value of collateral; Where securities are used as collateral, it shall not exceed 9% of the face value of the securities, and the maturity date of the securities shall be the loan term.

(2) According to the monthly income of the borrower and * * * the same borrower, the calculation formula is: the loan amount of the borrower = the average monthly salary of the borrower and * * * the same borrower in the previous year ×12 months× the loan term × 4%.

the final approval of the provident fund management center shall prevail.

how much can Jining provident fund loan with a quota of 6, yuan

Hello, with a provident fund loan of 6, yuan, the maximum loan period can be 15, yuan, and the maximum loan period is no more than 3 years. The specific loan amount is determined according to the lender's family income and loan period. In the case of the maximum loan period, the provident fund of 6, yuan can be loaned about 115, yuan, and the specific loan amount is subject to the actual approval. Secondly, the maximum loan amount of Jining provident fund can reach 6 yuan, but it needs to be determined according to the specific situation. In addition, Jining provident fund loans are given in two stages, starting from 1, yuan and up to 6, yuan. However, when applying for loans, the actual situation of the lender, such as income level, asset status and the use of loan funds, needs to be taken into account, and the final loan amount of the lending institution will be determined by the actual situation.

Calculation formula of Jining provident fund loan amount

Legal analysis: housing provident fund has been paid regularly for 6 months continuously: loan amount = balance of individual housing provident fund account × 8; The housing provident fund has been paid regularly for 12 consecutive months: loan amount = balance of individual housing provident fund account × 15; The housing provident fund has been paid regularly for 36 months continuously: loan amount = balance of individual housing provident fund account ×2. Monthly income of myself and * * * the same applicant: monthly income, monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund; 2. Calculate the maximum loanable amount: the maximum loanable amount is the monthly income of your family (referring to the monthly income of both husband and wife, the monthly income of other applicants such as retired employees and their children, the same below), the remaining amount after deducting the living expenses of 4 yuan at least every month, and then dividing it by the monthly repayment amount per 1, yuan of loans for the loan application period. 3. The specific loan amount should also consider the maximum loan amount, maximum loanable loan amount, minimum down payment and credit rating of a single loan.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 3 The housing provident fund paid by individual employees and the housing provident fund paid for employees by their units belong to individual employees.

article 4 the management of housing provident fund shall follow the principles of decision-making by the housing provident fund management Committee, operation of the housing provident fund management center, storage in special bank accounts and financial supervision.

article 5 the housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied houses by employees, and no unit or individual may use it for other purposes.

What is the policy of Jining provident fund loan?

Legal analysis: 1. Housing provident fund personal housing loans can only be used to pay employees to buy, build, renovate and overhaul ordinary self-occupied houses to support basic housing needs. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase.

second, maintain the continuity and stability of the policy of paying employees' families (including borrowers, spouses and minor children, the same below) to purchase the first set of ordinary self-occupied housing by using housing provident fund personal housing loans. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the Taoxing construction area is below 9 square meters (inclusive), the down payment ratio of the loan shall not be less than 2%. If the construction area is above 9 square meters, the down payment ratio of the loan shall not be less than 3%.

Third, the second set of personal housing loans for housing accumulation fund is only available to 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 with improved living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 5%, and the loan interest rate shall not be less than 1.1 times that of the first housing provident fund personal housing loan in the same period.

legal basis: law of the people's Republic of China on urban real estate management article 2 this law shall be observed in obtaining the land use right of real estate development land, engaging in real estate development, real estate transactions and implementing real estate management within the state-owned land in urban planning areas of the people's Republic of China.

the term "houses" as mentioned in this law refers to buildings and structures such as houses on land.

the term "real estate development" as mentioned in this law refers to the construction of infrastructure and houses on the land that has obtained the right to use state-owned land according to this law.

the real estate transactions mentioned in this law include real estate transfer, real estate mortgage and house lease.

how much can I borrow for a 1 million yuan house in Jining? How much can I borrow from the house provident fund of 1 million yuan?

if you plan to choose a house in Jining, how much is the down payment for a house of 1 million yuan? How much is the monthly payment?

nowadays, the high housing prices make many people who just need it daunting. nowadays, many people have the need to choose a house, but they can't afford to choose a house in full, so people choose a mortgage loan to choose a house. Because different city loan policies are different, it is necessary to know the local real estate policy, because only in this way can we arrange the funds on hand reasonably and spend them correctly. If you plan to choose a house in Jining, how much is the down payment for a house of 1 million yuan? How much is the monthly payment? Let me show you the relevant information below!

if the first house is purchased, the down payment ratio of the commercial loan shall not be less than 3% of the total house price, that is, 13%=7 yuan, and the maximum loan period is 3 years; For provident fund loans, the maximum loan ratio can reach 8%, the maximum loan amount is 6, yuan, and the maximum loan period is 3 years.

if it is a second suite, it shall not be less than 5% of the appraised house price, that is to say, the down payment for purchasing a house with a total house price of 1,, yuan is 1,,.5% = 5, yuan; If the provident fund loans the second suite, the maximum loan amount is 6,.

With regard to the down payment and monthly payment of Jining's house selection, if you plan to buy a house of 1 million yuan in Jining, you should make adequate financial preparations. The down payment is not a small expense, and the monthly payment should be calculated well. Will it affect your quality of life in the next few years or even decades? The above is the content of Jining housing loan I provided for you, hoping to help you!

This is the end of the introduction of Jining provident fund loan amount and the inquiry of provident fund loan amount. I wonder if you have found the information you need?