New policy: the maximum amount of provident fund loans will be reduced from 600,000 yuan to 500,000 yuan, and the repayment ability coefficient will be adjusted back from 45% to 35%.

loan limit

The maximum loan amount is 500,000 yuan.

deadline

The longest term of the first-hand housing provident fund loan is 30 years, and the longest term of the second-hand housing provident fund loan is 20 years. The term of transferring a commercial loan to a provident fund loan shall not exceed the remaining life of the commercial loan, and the borrower's age plus the loan term shall not exceed the specified life (male employees shall not exceed 65 years old and female employees shall not exceed 60 years old).

Loan ratio

The loan ratio shall not exceed 70% of the total price of the purchased house.

Calculation formula of loan amount:

1, not higher than the loan amount comprehensively determined according to the deposit time and deposit balance of the provident fund.

Loan amount = (the difference between the borrower's provident fund deposit and the spouse's provident fund deposit) ×20 times× deposit time coefficient. Provident fund deposit account must be a normal deposit account.

Expected annualized interest rate of loan

The current housing provident fund loan period is 1-5 years, with an expected annualized interest rate of 2.75%, a loan period of 6-30 years and an expected annualized interest rate of 3.25%; The expected annualized interest rate of the second application for provident fund loans is 1. 1 times of the expected annualized interest rate of provident fund loans in the same period.

If the state adjusts the expected annualized interest rate during the loan period, the expected annualized interest rate of the issued provident fund loans will not be adjusted in the current year, and the specific adjustment time is 1 month 1 next year.

2. Not higher than the loan amount determined according to the loan repayment ability.

Loan amount = (the sum of the borrower's monthly provident fund deposit amount/unit and individual deposit ratio; Monthly contribution of spouse's provident fund/sum of contribution ratio of unit and individual) ×45%× 12 months× loan period.

20 16 what are the loan terms of Tianjin provident fund?

With the adjustment of provident fund loan policies in various places, the Tianjin provident fund loan policy was also adjusted on 20 15. Many people want to borrow money to buy a house in Tianjin, but they don't know much about the provident fund loan policy. Today, I will explain the conditions of the 20 16 Tianjin provident fund loan.

1. The borrower has permanent residence in this city or other valid residence status in this city;

2. The borrower has full capacity for civil conduct, a stable occupation and income, the ability to repay the principal and interest of the loan, and good credit;

3, did not reach the statutory retirement age (otherwise stipulated by the state can be extended, according to its provisions, but not more than 65 years old); The legal retirement age is generally 55 for women and 60 for men;

4. Open a housing provident fund account for more than 1 year, and continuously deposit the housing provident fund for more than 1 year before applying for a housing provident fund loan, and the employer does not owe it;

5. I have no outstanding provident fund loans;

6. Purchase, build, renovate and overhaul self-owned houses within the administrative area of this Municipality; Among them, the construction, renovation and overhaul of self-owned housing refers to the construction, renovation and overhaul of self-owned housing by workers on rural collective land; The construction and renovation of houses must have the approval documents of the planning and land management departments; Overhaul housing, there must be a document approved by the planning and management department.

It should be noted that if the borrower has used his spouse's housing provident fund to apply for a housing provident fund loan, his spouse cannot apply for a housing provident fund loan before the loan is paid off.

20 16 what are the loan terms of Nanjing provident fund?

The Spring Festival is coming. Many property buyers in Nanjing plan to borrow money to buy a house after the Spring Festival, and provident fund loans are definitely the first choice. Then, what are the conditions for 20 16 Nanjing provident fund loan?

1. The borrower has full capacity for civil conduct and valid identification;

2. The borrower's provident fund account has been fully paid into the housing provident fund for more than 6 months (inclusive) and is in a normal state;

3. The borrower has a stable income and the ability to repay the loan principal and interest, and his personal credit information is good;

4. The borrower purchases, builds and overhauls owner-occupied housing in Nanjing;

5. The borrower has a legal and effective house sales contract and agreement;

6, the purchase of commercial housing, affordable housing, the down payment ratio is not less than 20% of the total purchase price; For the purchase of second-hand houses, the down payment ratio shall not be less than 30% of the total purchase price;

7. Agree to use the purchased property as collateral, and issue a commitment letter that can be placed by itself when disposing of the collateral;

8. Other conditions stipulated by the provident fund center.

20 16 Shenzhen provident fund loan to buy a house, what is the maximum loan?

Many people will plan to buy a house in Shenzhen after working in Shenzhen for a long time, so they will definitely choose provident fund loans to buy a house. After all, they can save a lot of money, but the amount of provident fund loans is limited. Then, what is the maximum loan of 20 16 Shenzhen provident fund loan?

1. The monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are * * * applicants and * * * applicants who have paid the housing provident fund in this city, the deposit base of the housing provident fund is the sum of the deposit base of the applicant and himself.

2. Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall not be lower than the down payment ratio stipulated by the state. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.

3, not higher than the maximum amount of a single housing provident fund loan. Individual employees apply for single housing provident fund loans.

The maximum amount is 500,000 yuan.

, the applicant and * * * jointly apply, and * * * and the applicant deposit housing provident fund in this city, a single housing provident fund loan.

The maximum amount is 900,000 yuan.

20 16 what are the conditions for Beijing provident fund loan?

With the adjustment of the provident fund loan policy, many people pay attention to the provident fund loan policy while paying attention to the trend of housing prices. So, what are the requirements for applying for provident fund loans in Beijing on 20 16?

First, the basic conditions of Beijing provident fund loans

1, with legal and valid identity and full capacity for civil conduct;

2 have a stable occupation and income, good credit status, and the ability to repay the principal and interest of the loan;

3, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents.

Second, Beijing housing provident fund deposit conditions

A loan applicant who applies for a housing provident fund loan from Beijing Housing Provident Fund Management Center must meet one of the following two conditions in addition to the above basic conditions:

1. The lender can only apply for a loan if it has established a housing provident fund account for more than 12 months (inclusive), paid the housing provident fund in full for more than 12 months (inclusive), and was in the paid state when applying for a loan.

2. If the loan applicant is a retired employee who pays the housing provident fund during his employment. Provide guarantees recognized by the China Intellectual Property Center; Both husband and wife of the borrower have no outstanding housing provident fund loans and housing provident fund policy discount loans; And other conditions that meet the requirements of the Central Branch Sub-center.

This concludes the introduction of the provisions on 20 16 provident fund loan and the interest rate of 20 16 provident fund loan. I wonder if you have found the information you need?