The amount, proportion and calculation formula of Wuhan provident fund loan;
(a) the amount and proportion of first-hand housing provident fund loans
1. Records of alumni who applied for provident fund loans for the first time when buying first-hand houses. The maximum loan amount is 600,000 yuan, and the loan amount does not exceed 70% of the total price of the purchased house (the construction area can be relaxed to 80% below 90 square meters);
2. If you apply for provident fund loan for the second time to buy a first-hand house, and the existing housing construction area of Wuhan employees' families is140m2 or less, the maximum loan amount is 500,000 yuan, and the maximum loan ratio does not exceed 40% of the total housing price.
(two) the amount and proportion of second-hand housing provident fund loans
1. If you apply for provident fund loans to buy second-hand houses for the first time, the maximum loan amount is 600,000 yuan, and the loan ratio is divided into three grades according to the completion years of the houses. 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. For Tianlong Babu who applies for provident fund loan for the second time to buy a second-hand house, and the existing housing construction area of Wuhan employees' families is140m2 or less, the maximum loan amount is 500,000 yuan, and the maximum loan ratio does not exceed 40% of the total housing price.
(three) the amount and proportion of commercial loans to provident fund loans
The loan amount from commercial loans to provident fund shall not exceed the remaining commercial loans, and shall not exceed the above-mentioned provisions on the amount and proportion of second-hand housing loans.
Extended reading of related knowledge: New China's five new mortgage policies
Restrict purchase
The notice clearly pointed out that "the restricted purchase area should cover all administrative areas of the city; The types of restricted housing should include all newly-built commercial housing and second-hand housing; The qualification examination of house purchase should be moved forward to before signing the house purchase contract (subscription). Among them, "if housing prices in other cities rise too fast, the provincial people's government should require them to take measures such as purchase restriction in time", which means that the scope of purchase restriction may be expanded. Regulatory policies are stricter and more targeted.
Restrict loans (for [something])
For the second home loan policy, it embodies the characteristics of differentiated requirements. There is no unified requirement to increase the down payment ratio and loan interest rate, but it is required that "for cities where house prices have risen too fast, the local branches of the People's Bank of China can further increase the down payment ratio and loan interest rate of second-home loans according to the price control objectives and policy requirements of the urban people's government."
Taxes and administrative expenses
The regulatory role of taxation has been enhanced. For the first time, the policy made it clear that personal income tax on second-hand housing transactions will be levied strictly according to 20% of personal income, which will increase transaction costs and have a significant impact on the second-hand housing market.
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