The loan amount and conditions of Quanzhou housing provident fund
A borrower applying for a housing provident fund loan shall meet the following conditions:
(1) Having a permanent residence in this Municipality or a valid identity document.
(two) a stable occupation and income, good credit, the ability to repay the principal and interest of the loan.
(3) To purchase ordinary self-occupied housing (commercial housing, affordable housing, price-limited housing and second-hand housing), a valid purchase contract registered by the housing management department shall be signed, and the down payment of more than 30% of the total purchase price shall be paid with self-owned funds (the down payment of more than 40% shall be paid for second-hand housing with brick-concrete structure).
(4) Agreeing to provide guarantee in a way recognized by the management center and the entrusted bank.
(five) agreed to use the property purchased by the loan as collateral.
(6) Other conditions stipulated by the lender.
Quanzhou housing provident fund loan amount
The loan amount is determined by the management center according to the borrower's family income, housing provident fund deposit, total housing price, mortgaged property value and other factors. , and the maximum amount is 70% (or 60%) of the total price of the purchased property, and shall not exceed the maximum amount of individual housing provident fund loans stipulated by the Municipal Housing Provident Fund Management Committee. The sum of the monthly repayment amount of the borrower's provident fund loan and the existing monthly repayment amount of various loans reflected in the personal credit report of the borrower (including the borrower) and his spouse shall be controlled within 50% of the sum of the monthly income of the borrower (including the borrower).
(a) the purchase of ordinary self-occupied commercial housing, affordable housing, price-limited housing, the loan amount shall not exceed 70% of the purchase price, and the loan period is the loan mortgage period signed by the entrusted bank and the real estate developer.
(2) For the purchase of second-hand houses, the loan amount shall be controlled at 70% (or 60%) of the transaction price, appraisal price or duty-paid price (whichever is lower) on the ownership certificate of the transferred property, and the loan period shall be determined according to the loan amount and the borrower's ability to repay the loan principal and interest, and the longest loan period shall be 65,438+05 years, which shall not exceed the remaining service life of the property.
(3) In the case of renovation of dilapidated buildings or house demolition, the compensation for the original house demolition can be used as the down payment, and the loan amount is the compensation for resettlement, but the maximum amount does not exceed 70% of the total house price. The loan term is the loan mortgage term signed by the entrusted bank and the real estate developer.