If you handle personal provident fund loan business in China Bank,
(1) The down payment ratio of the housing provident fund loan shall not be less than 20% for families who purchase the first set of self-occupied housing with a floor area of 90 square meters or less; For families who purchase the first set of self-occupied housing with a floor area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%.
(two) in order to improve the living conditions of the purchase of a second house, the loan down payment ratio is adjusted to not less than 50% for ordinary housing; For the purchase of non-ordinary housing, the down payment ratio of the loan shall be adjusted to not less than 70%.
Note: If the online signing time of the house purchase contract is before 2016165438+128 (inclusive), the original policy shall prevail.
Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
Do you still need to pay a down payment for housing provident fund loans?
You must pay a down payment before using the housing provident fund loan.
Loan terms:
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Extended data:
Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan issued by local housing provident fund management centers to housing provident fund depositors who purchase, build, renovate and overhaul their own houses and retired employees who pay housing provident fund during their employment.
According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
Most cities have customized the relevant conditions of housing provident fund loans, such as:
Chengdu loan conditions:
1, employees with permanent residence or valid residence identification in the local administrative area;
2. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan;
3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;
4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;
5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor;
6, other conditions stipulated by the provident fund center.
Beijing loan conditions:
To apply for housing provident fund loans from Beijing Housing Provident Fund Management Center, the depositor of housing provident fund must meet one of the following two conditions:
1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan. With the approval of the center, the employees of the units in deferred payment status can apply for loans under the condition that they have established the housing provident fund account 12 months or more and paid the housing provident fund in full 12 months or more.
2. The loan applicant is a retired employee who has paid the housing provident fund during his employment. Meet one of the above conditions, you are eligible to apply for a "housing provident fund loan". Loan applicants who purchase policy-oriented housing are not subject to the time limit for the deposit of Beijing housing provident fund. The loan applicant can only apply for a housing provident fund loan if he meets the conditions of establishing a housing provident fund account and being in the state of deposit.