Provident fund housing loan conditions
What conditions do buyers need to apply for provident fund loans?
(1) The borrower has an urban hukou;
(2) I and my unit have paid the housing provident fund in full and on time in this city for more than one year (from the back to the front);
(3) have a stable professional income, good credit, and the ability to repay the principal and interest of the loan;
(4) There is a legal contract or agreement for the purchase of owner-occupied housing, and there is a prescribed proportion of self-raised funds;
(5) The assets stipulated in the Guarantee Law are mortgage or pledge of loans;
(6) Agree to apply for house purchase guarantee or mortgaged property insurance;
(seven) agreed to other conditions stipulated by the housing provident fund management center.
Which houses can apply for provident fund loans?
(1) commercial housing? (The developer shall sign a loan cooperation agreement with the municipal housing provident fund management center);
(2) existing housing? (that is, buying property rights through housing reform);
(3) second-hand housing? (Stock houses are listed and traded);
(4) Property-free housing (it must be mortgaged by the own or third-party housing ownership);
(5) auction house? The auction company must sign a loan cooperation agreement with the municipal housing provident fund management center.
How to calculate the amount of provident fund loans?
The loan amount is calculated according to the following requirements, and the minimum amount is determined.
The calculation formula of (1) is as follows:
(Monthly amount of provident fund paid by the borrower and the auxiliary borrower/deposit ratio ×A×l2 (month)? Annual provident fund deposit of the borrower and the auxiliary borrower) × loan term;
Note: A is the repayment ability coefficient, which is now set at 0.35.
(2) The maximum loan amount of the aided borrower is 200,000 yuan, and the maximum loan amount of 6,543,800 yuan is unilaterally paid into the provident fund. At the same time, the loan amount for the purchase of various types of housing shall not exceed the corresponding proportion, as follows:
Commercial housing: 80% of the total house price;
Existing house: 70% of the total house price;
Second-hand housing and mortgage purchase: 60% of the lower transaction price and evaluation price;
Combination house: 70% of the total house price (sum of provident fund loan and commercial loan).
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