1. For the loan applicants who show that they have no housing in the housing transaction ownership information inquiry system of Beijing Municipal Commission of Housing and Urban-Rural Development, the first set of self-occupied housing loan policy will be implemented, with the maximum loan amount of 6.5438+0.2 million yuan, and the loan amount will not exceed 80% of the housing appraisal value or the actual purchase price (whichever is lower).
2. For the loan applicants who own 1 apartment in the Housing Transaction Ownership Information System of Beijing Housing and Urban-Rural Development Committee and settle the corresponding housing provident fund personal loans (including housing provident fund policy discount loans), the second set of housing loan policy will be implemented, with the maximum loan amount of 800,000 yuan and the loan amount not exceeding 70% of the housing appraisal value or the actual purchase price (whichever is lower).
Since then, regardless of the application for urban management or state-managed provident fund loans to buy the first suite, regardless of the size of the house, the maximum loan amount is 6.5438+0.2 million yuan; The maximum loan amount for purchasing two sets of ordinary houses is 800,000 yuan, and in principle, it is not allowed to purchase non-ordinary houses.
Calculation of loan amount of housing provident fund
The specific loan amount should consider the maximum amount of a single loan, the maximum loanable amount, the minimum down payment and the assessed value of collateral at the same time, and after the loan applicant repays the loan every month, the per capita living expenses retained shall not be lower than the basic living expenses standard in Beijing. And the borrower's longest loan period can be calculated to the borrower's 70 years of age, which shall not exceed 30 years.
According to the principle of determining the loan amount and term issued by the Municipal Provident Fund Center, the specific loan amount of Beijing Provident Fund is determined as follows:
1. Calculate the monthly income of myself and * * * the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;
2. Calculate the maximum loanable amount: the maximum loanable amount is the remaining amount after deducting the living expenses of at least 1.204 yuan from the monthly income of the family, and then dividing it by the monthly repayment amount per 10,000 yuan of loans during the loan application period.