What is the concept of individual housing provident fund loan?
Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the loan that employees of provident fund units regularly deposit their houses to the fund processing center on time, buy and create their own houses (including second-hand houses) in this city, take their own property houses as collateral, and apply to the fund processing center for payment by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund processing center. In order to further promote the commercialization and socialization of housing, the primary goal of housing provident fund allocation should be shifted from housing development companies to ordinary residents.
Premise of individual housing provident fund loan
1. Buying a property developed by a real estate enterprise requires a house purchase loan.
2. I bought a public house that can be sold according to the rules, and I have to buy a house loan.
3. Buying real estate, buying and selling second-hand houses with property rights, requires a house loan;
4. Building loans are needed for new construction, renovation and overhaul of self-occupied houses in towns and villages in this city;
5. Other housing loan projects approved by the bank for the cooperative government to deepen the reform of housing standards.
Personal housing provident fund loan amount
According to the current guidelines and detailed rules, the basic provident fund loan for each household shall not exceed 6,543,800 yuan or 654.38+ 05 times of the total storage amount of the account, and the supplementary provident fund loan for each household shall not exceed 30,000 yuan or 2 times of the storage balance. For employees who have paid the provident fund at the same time, the maximum loan amount shall not exceed 65,438 yuan +0.3 million yuan. And the maximum loan period is 30 years. When purchasing second-hand houses or renovating or overhauling houses, the loan amount shall not exceed 50% of the total house price, and the longest term shall be 10 year. However, the loan term of the main lender shall not exceed the statutory retirement age of 5 years.
The maximum loan amount for purchasing first-class residential buildings and self-built residential buildings is 6.5438+0.5 million yuan, and the maximum loan share does not exceed 70% of the total price of purchased self-built residential buildings; The maximum loan amount for purchasing second-hand houses is 80,000 yuan, and the maximum loan share shall not exceed 50% of the purchased real estate assessment value.
1. The loan amount is determined according to the coefficient not higher than the repayment ability of the borrower (including the spouse), and its accounting formula is: the sum of the monthly housing provident fund wages paid by the borrower and his wife × 12 months× 35 %× loan period (if the borrower's spouse fails to pay the housing provident fund normally, the monthly salary income in the formula does not include the spouse).
2. As long as one of the borrower's husband and wife pays the housing provident fund normally, the loan amount shall not exceed 50% of the total house purchase and building price.
3. The detailed loan amount of each borrower is determined by the loan bank and the fund processing center of the Housing Reform Commission in accordance with the above rules and in combination with the borrower's repayment ability.
How much is the down payment for individual housing provident fund loans?
The minimum down payment ratio for purchasing a second suite with provident fund loans can be reduced to 20%. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued a notice on adjusting the minimum down payment ratio of individual housing loans for housing provident fund. In order to further improve the individual housing loan policy of housing provident fund and support the reasonable housing demand of employees, the minimum down payment ratio is reduced from 30% to 20% for households who own/kloc-0 houses and have settled the corresponding housing loans, and require the housing provident fund to entrust loans to buy houses again in order to improve their living conditions.
Beijing, Shanghai, Guangzhou and Shenzhen can independently decide the minimum down payment ratio for requesting housing provident fund to entrust loans to buy a second house on the basis of national unified policies and local conditions.
Regarding what needs to be known about individual housing provident fund loans, Bian Xiao has compiled relevant knowledge in this article. Everyone is handling personal housing provident fund loans, which can be implemented accordingly.