1. The maximum amount of loan applied by the borrower shall not exceed 800,000 yuan.

2. The borrower belongs to the newly introduced high-level talents in Yueyang City, bought the first house in Yueyang City and issued the Application Form for Yueyang Talents to Purchase the First House in Yue and Enjoy the Preferential Policy of Provident Fund Loan, which has been approved by the Talent Office of Yueyang Municipal Committee. The maximum loan amount can be increased to 6,543,800 yuan+200,000 yuan.

3. The sum of the maximum loan amount applied by the borrower and the house purchase amount withdrawn shall not exceed the total house purchase price.

Article 1 The loan object

All employees (hereinafter referred to as employees) and their * * * borrowers or minor children who have paid housing provident fund and social security in this city legally purchase and build owner-occupied houses within this city can apply for loans from Yueyang Housing Provident Fund Management Center and its authorized management department (hereinafter referred to as the management center).

Employees whose household registration or employment place is in Yueyang's off-site housing provident fund deposit (except those who are flexible in off-site employment), who legally purchase the first family-occupied housing within the scope of this city, may apply for loans from the management center.

Article 2 loan conditions

(a) the conditions and requirements of the deposit

1. Both the loan applicant and the employer have paid the housing provident fund normally (from the date of opening the account) for more than 6 months (inclusive).

2. If the arrears are more than 3 months (inclusive) and less than 6 months, normal remittance can be resumed after applying for a loan.

3. If the arrears are more than 6 months (inclusive), normal remittance will be resumed, and the loan can only be applied after the monthly remittance is over 6 months.

4. If the monthly remittance amount does not reach the minimum remittance standard of this year, you can apply for a loan only after reaching the minimum remittance standard of this year and paying normally according to the new standard for 6 months.

(2) Income status

The loan applicant should have a stable income and the ability to repay the loan on time.

(3) Conditions and requirements for purchasing (building) houses

1. In the past two years, the owner-occupied house has been legally purchased in this city, and the specified proportion of the purchase price has been paid, and relevant legal and valid documents are provided.

2. In the past two years, the owner-occupied house has been legally built in this city, and the house has been capped, and the immovable property certificate has been handled, and relevant legal and valid documents have been provided.

3. If the building land is state-owned, you can apply for a loan.

4. The nature of housing land is allocated by the state: if the purchased house is affordable, you can apply for a loan; You can't apply for a loan under other circumstances.

5. To build a house on a rural homestead, if one of the loan applicants and borrowers has the household registration in the village where the house is built, they can apply for a loan, but they must also provide a compliant commercial house as collateral.

(4) Having a good credit record.

According to the personal credit report provided by the credit information system of the People's Bank of China, if the loan applicant or * * * has bad credit records with the borrower for 6 consecutive times or accumulated 10 times, he cannot apply for a loan. However, in any of the following circumstances, it shall be approved according to the actual situation:

1, overdue records are all student loans, and the settlement time of student loans exceeds 12 months.

2. The overdue record is the annual credit card fee, and the bank issues a non-malicious overdue certificate.

3. The overdue record comes from the civil servant card, and it is not reimbursed in time after checking that it belongs to official consumption, and the deposit unit issues relevant certificates.

legal ground

law of contract

Article 211 stipulates that if the loan contract between natural persons stipulates to pay interest, the loan interest rate shall not violate the relevant provisions of the state on limiting the loan interest rate.

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 26 stipulates that if the interest rate agreed between the borrower and the lender does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.

In private lending, the most likely contradiction between borrowers and lenders is interest. The law clearly stipulates this:

(1) If there is a dispute between the borrower and the lender about whether there is an agreed interest rate and it cannot be proved, the interest can be calculated by referring to the bank's similar loan interest rate.

(2) If the parties dispute the interest rate standard, they can determine the interest rate standard within the standard of not exceeding 4 times the interest rate of similar loans of banks.

(3) In interest-bearing loans, the interest rate may be appropriately higher than the bank's interest rate, but it shall not exceed four times the bank's interest rate for similar loans, that is, usury is not allowed. It doesn't matter if it is more than 4 times (according to the current interest rate, 4 times is more than 29 o'clock). When there is a dispute at most, the court will not protect the excess, but when there is no dispute, it can get higher income.