howdy
According to the second suite.
Because it's policy.
First, there is no housing other than the housing purchased by applying for housing provident fund loans, which is recognized as the first suite.
Two, apply for housing provident fund loans to buy housing only other housing, according to the second suite calculation.
Three, the loan applicant belongs to more than two generations of immediate family members, each generation has a set of housing, now * * * with housing provident fund loans to buy a second suite as a second suite.
That's my answer. You can consult the provident fund office for details.
Chengdu provident fund loan ceiling 2022
Abstract: Before buying a house with provident fund loan, we should pay attention to the limit of provident fund loan in the city where we live. Most buyers who buy a house in Chengdu will also choose provident fund loans. So what is the limit of provident fund loans in Chengdu in 2022?
According to the provisions on loan amount in the Notice of Chengdu Housing Provident Fund Management Center on Adjusting the Relevant Provisions on Provident Fund Loans issued on June 2, 2022:
1. If two or more eligible depositors purchase the first home, the maximum amount of provident fund loans will be adjusted from 700,000 yuan to 800,000 yuan.
2. If two or more payer families meet the loan conditions buy a second set of housing, and if a single payer family buys the first set of housing or the second set of housing, the maximum amount of provident fund loans will still be implemented according to the original provisions. (The sum of loan lines for dual employees and above is up to 700,000 yuan. )
3. Single employees: The maximum loan amount for single employees who meet the loan conditions is 400,000 yuan.
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2022 Chengdu Provident Fund Adjustment New Provisions
In addition to the above-mentioned provident fund loan quota conditions, the policy also adjusted the down payment ratio and mortgage interest rate.
1. Adjust the minimum down payment ratio.
If you apply for a provident fund loan for the first time, the minimum down payment ratio will be adjusted from 30% to 20%; If you buy a second house and apply for a provident fund loan, the minimum down payment ratio will be adjusted from 40% to 30%.
In case of overdue need to increase the minimum down payment ratio, it shall still be implemented according to the original regulations.
2. Adjust the maximum mortgage interest rate.
If the housing value is used for mortgage, the proportion of the loan amount not exceeding the value of the collateral will be adjusted from 70% to 80%.
Chengdu provident fund loan conditions
1. A natural person with full capacity for civil conduct is between 18 years old (inclusive) and the statutory retirement age, that is, men are under 60 years old and women are under 55 years old. Female cadres at the county and deputy county levels and corresponding job levels in party and government organs and people's organizations, female cadres at the department and deputy department level in party affairs and administrative management in institutions, and female professional and technical personnel with senior titles (including directors and deputy senior) are under 60 years of age. The above-mentioned female cadres and female professional and technical personnel with senior titles shall be subject to the information instructions issued by their units.
2. Have valid identity documents, including resident identity cards and household registration certificates, travel permits for Hong Kong and Macao residents to and from the mainland, and permanent residence identity cards for mainland travel permit for taiwan residents and foreigners.
3. Deposit housing provident fund according to the following requirements:
(1) The personal housing provident fund account is in a normal state;
(2) In principle, the interval between the month of provident fund loan application and the last month of deposit shall not exceed 2 months;
(three) continuous normal deposit of housing provident fund for more than 6 months (inclusive), the following circumstances can be combined to calculate the deposit time:
1) The employee changes the housing provident fund deposit center, and the deposit time is continuous before and after the change;
2) The unit has paid back the housing provident fund, and the corresponding time for paying back is continuous with the normal time for paying back;
3) Ex-servicemen will transfer the military housing provident fund to the provident fund center and continue to pay, and the payment time will be continuous before and after the transfer.
4. No balance of provident fund loans (including other forms of provident fund loans such as discount loans from public companies).
5. There is a house purchase contract or agreement confirmed by the housing construction department, and it is the buyer.
6. The down payment ratio shall not be less than 30%, and the down payment amount plus the loan amount is equal to the house transaction price.
7. Have a relatively stable economic income, have the corresponding loan repayment ability, and have good personal credit.
8. Guarantee methods recognized by Chengdu Provident Fund Center can be provided.
9. Other conditions stipulated by Chengdu Provident Fund Center. Article 6 The spouse of the loan applicant, other house buyers and their spouses, as co-applicants, apply for a loan from Chengdu Provident Fund Center, and bear joint and several liabilities for repayment of the loan.
Chengdu provident fund housing loan down payment 20%.
On May 3 1, the Housing and Urban-Rural Development Bureau of Chengdu, Sichuan Province announced that the Office of the Leading Group for the Stable and Healthy Development of Chengdu's Real Estate Market issued the Notice on Further Optimizing and Perfecting Real Estate Policies to Promote the Stable and Healthy Development of the Market (hereinafter referred to as the Notice) to further optimize and improve the real estate policies.
The "Notice" optimizes the conditions for purchasing houses. In downtown Chengdu (except qingbaijiang district and Xinjin District, the same below), newly purchased commercial housing or second-hand housing should meet two conditions at the same time.
First, the purchaser has a household registration in the restricted area where the house is to be purchased, or the household registration is not in the restricted area where the house is to be purchased, but has been paying social security 12 months continuously in the local area. Second, families with two or more registered residents in Chengdu have insufficient self-owned houses in the central city 1 set, or adult single families with registered residents in Chengdu and families with registered residents in Chengdu have no self-owned houses in the central city. In the suburbs (cities) and counties of Chengdu (including East New District, qingbaijiang district and Xinjin District, the same below), the purchaser should have Chengdu household registration or non-Chengdu household registration but be employed in Chengdu.
For individuals who have continuously paid social security 12 months or more, how to determine the purchase area, Chengdu Housing and Construction Bureau said in the policy interpretation that individuals who have continuously paid social security 12 months or more can purchase houses in the corresponding restricted purchase area where individual industrial and commercial households are registered; For non-individual industrial and commercial households, the qualification for purchasing houses is implemented with reference to the company's registered place in five urban areas.
The Notice clearly meets the housing needs of families with many children. Families with two or more children can purchase 1 new house on the basis of the existing purchase restriction. The identification of families with two or more children is based on the data of Chengdu Network Management Office, public security, medical insurance and other departments, combined with household registration information and birth information. If the system cannot be determined, it can be determined by the applicant's household registration, birth certificate and other materials.
"Notice" optimizes housing transaction conditions. Newly purchased commercial housing or second-hand housing within the scope of this Municipality can only be transferred after two years from the date of obtaining the certificate of immovable property rights or three years from the date of filing the contract. According to the Chengdu Housing and Construction Bureau, the restricted sales period of talent apartments, supporting houses for major industrialization projects, hot real estate with more than three times the number of applicants registered in the current period, and houses purchased in the name of talents will remain unchanged.
The Notice has improved the tax adjustment policy. Individuals who transfer the only family housing within the scope of this Municipality shall be exempted from value-added tax for 5 to 2 years.
The Notice optimizes the provident fund loan policy. The down payment ratio of provident fund loans is lowered by 10%, that is, the down payment ratio of the first suite is lowered from 30% to 20%, and the down payment ratio of the second suite is lowered from 40% to 30%. The maximum loan amount for dual employees to purchase the first set of housing will be increased from 700,000 to 800,000.
In addition, encourage and support all banking financial institutions in the city to optimize real estate financial services in a timely manner, and appropriately reduce the down payment ratio and interest rate pricing level of individual housing loans, specifically determined by the self-discipline mechanism of market interest rate pricing in Sichuan Province. Previously, the policies implemented in Chengdu were: the down payment ratio of the first suite was 30% in the city, the down payment ratio of the second suite was 70% in Tianfu New District and Gaoxin South District, 60% in other areas of the central city, and 50% in suburban (city) counties.
The Notice supports residents to use their own houses for affordable rental housing. Residents who voluntarily rent their own houses for affordable rental housing to new citizens, young people and other groups, promise to abide by the relevant policies and regulations of affordable rental housing and will not be listed and traded within 5 years, and are included in the management of Chengdu's affordable rental housing management service platform, can purchase a new set of housing at one time.
After the housing that residents apply to be included in the management of affordable rental housing has passed the examination, whether to apply for 1 suite can increase the eligibility of 1 suite. Chengdu Housing and Construction Bureau said that the affordable rental housing management service platform will compare the housing ownership information with other data, and those that meet the requirements will be included in the platform housing library management and publicity. After the house is put into storage, residents' information will be automatically pushed to the housing transaction department, and residents can apply for the qualification to buy a new house in the restricted purchase area where the rented house is located. Residents who use one or more of their own houses for affordable rental housing once or more can only get the qualification to buy one house at a time. Residents who use the only house under their name for affordable rental housing are not recognized as families without houses.
In the policy interpretation, Chengdu Housing and Construction Bureau stated that new citizens, young people and other groups applied through the Chengdu affordable rental housing management service platform, and after approval, they obtained the Tianfu Rental Affordable Rental Housing Code, and signed a lease contract with the lessor through the platform.
In addition, the rent of affordable rental housing is guided by the government, and the rent standard does not exceed 90% of the market rent, and the annual increase of rent does not exceed 5%. The market rent standard shall be implemented in accordance with the "Information on Average Rent Level of Rental Housing in Chengdu" regularly issued by the Municipal Housing Rental Service Center.
Now the first suite and the second suite of buying a house in Chengdu are defined like this.
If both husband and wife have a house before marriage, then buying a house after marriage will be full!
After the introduction of the New Deal in Chengdu, there are several suites under the name now, and there can only be one suite in the future. No matter how rich you are, you can't buy a house in Chengdu (restricted area), you can only hold it!
Restricted areas are: High-tech Zone, Tianfu New District, Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District and Pixian County.
As for the down payment standard, the first suite is 30%, the second suite is 40%, the second suite loan interest rate rises 10%, and the third suite must be paid in full!
How complicated!
Then the problem is coming. How to distinguish the first suite from the second suite now?
1, commercial loan
Commercial loans are loans rather than houses, and the scope of loan review is nationwide, with families as the unit.
If there is no room under the name, the first set of commercial loans;
If you have a house (unlimited) and have paid off the loan, then buy the first set;
If you have 1 house and the loan has not been paid off, buy two more;
Remember, the scope of loan review is the whole country! If there is a house being returned in Shanghai, buying a house in Chengdu is two sets!
2. Urban provident fund loans
Chengdu provident fund loans are both for housing and loans. The standards for the first and second sets are as follows:
If the family doesn't have a house in Chengdu, the first set of provident fund loans, with a down payment of 20%;
If there is 1 house under the family name and the loan has been paid off, the first set will be counted and the down payment will be 20%;
There is 1 house in the family name, and if the loan is not paid off, it will be counted as a second house, with a down payment of 30% and an interest rate of10%;
If there are two houses under the family name, nothing else matters at this time. Anyway, the provident fund loan no longer supports you to buy a house.
3, the provincial provident fund loans
The auditing standards for provincial provident fund loans and municipal provident fund loans are basically the same, with two differences:
The down payment standard for the first and second suites is 30% for the municipal provident fund and 40% for the provincial provident fund;
Second, the scope of the provincial provident fund rounds is the whole province.
The above audit criteria are all family-based, so for those who want to know the influence of marital status on the qualification of buying a house and the down payment ratio, I will explain it all here first:
The loan review is based on the family. This means that no matter whether there is a house or not, there are several houses. As long as you get married, the house in your name will be included in the audit.
If both husband and wife have a house before marriage, then buying a house after marriage will be full! As for the loan interest rate, it will be determined according to the results after rounds.
Chengdu provident fund loan amount
The single maximum amount in Chengdu is: 800,000 yuan for the first suite of dual employees, 700,000 yuan for the second suite of dual employees and 400,000 yuan for a single employee.
Determinants of the amount of provident fund loans
The loanable amount of provident fund loans is determined by Chengdu Provident Fund Center according to the maximum amount of provident fund loans, the calculation formula of loan amount, the remaining house price after deducting the down payment, the proportion of repayment income and credit status. , after comprehensive evaluation of the actual situation of the loan applicant, take the lowest value:
Specific as follows
(1) Maximum amount of provident fund loan where the house is purchased.
1. Chengdu: For families with two or more employees who meet the loan conditions, the maximum amount of the first housing provident fund loan is 800,000 yuan, and the maximum amount of the second housing provident fund loan is 700,000 yuan.
The maximum amount of provident fund loans is 400,000 yuan for single-family housing that meets the loan conditions to purchase the first or second home.
2. The same urban area:
Deyang: 600,000 yuan for dual-employee families; Single worker family 400 thousand yuan.
Meishan: 500,000 yuan for dual-employee families; Single worker family 400 thousand yuan.
Ziyang: 600,000 yuan for dual-employee families; Single worker family 400 thousand yuan.
If the maximum amount of provident fund loans at the place where the house is purchased is adjusted, it shall be implemented according to the latest regulations.
(2) Calculation formula of loan amount
1. depositor's loan amount = ∑ (monthly paid provident fund × corresponding storage months × loan-to-deposit ratio coefficient)
2. After adding up the loan quotas of all borrowers who meet the conditions of provident fund loans for each loan, the loan quota of this provident fund loan can be obtained.
3. Please log in to Chengdu Provident Fund APP and Tianfu Citizen Cloud for the trial results of my loan line. , or consult Chengdu Provident Fund Center and loan bank.
You can also click: Chengdu Provident Fund Loan Calculator (Calculation of Repayment Loan Amount)
Calculation formula of loan amount (note: the maximum amount of the first suite for dual employees in the following example is 800,000)
(1) Loan amount paid to employees = ∑ (monthly paid-in provident fund × corresponding storage months × deposit and loan coefficient) The loan amount of each paid-in employee is calculated in monthly installments, and each paid-in provident fund corresponds to a loan amount.