Generally speaking, the personal provident fund loan amount is 20 times of the balance of 10- provident fund account.
The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers. The calculation method is as follows:
Loan amount calculated according to repayment ability: (total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan term (month). If the spouse's quota is used, (total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife × loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
Loan amount calculated according to house price: loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;
According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;
According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
20 15 what is the interest rate of second-home provident fund loan/provident fund loan?
About 3.5%. I. Materials required for housing provident fund loans:
Household registration books of the borrower and his spouse;
Resident identity cards of the borrower and his spouse;
Proof of the marital status of the borrower;
Proof of down payment for house purchase;
Credit status report of the borrower and his spouse printed by the bank;
Housing sales contracts or agreements that comply with the law.
The second is the conditions for handling housing provident fund;
Individuals and their units must continue to pay housing provident fund for one year;
The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
Three, the housing provident fund management process:
The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;
After receiving the application, the loan bank shall confirm and review the information;
After the audit, the loan bank contacts the lender and signs the relevant contract;
For bank loans, the lender shall fulfill the repayment obligation.
Can I apply for a housing provident fund loan to buy a second suite? What is the longest loan term?
(1), housing provident fund loans issued with newly-built houses purchased as collateral, the loan term shall generally not exceed the fixed number of years from the date of issuance of housing provident fund loans to the statutory retirement age, and the longest period shall not exceed 30 years;
(2) The term of the entrusted loan issued with the borrower's second house property or third-party house property as collateral shall not exceed the remaining service life of the mortgaged house property, and the longest term shall not exceed 65,438+05 years;
(3) Where the bonds are pledged by certificate-based government bonds or bank deposit certificates, the longest loan period shall not exceed the maturity date of the certificate-based government bonds or bank deposit certificates. If multiple certificate-based government bonds or bank time deposit certificates with different maturities are used as collateral, the loan term shall be determined based on the one closest to the maturity date;
(4) Housing provident fund loans issued by way of guarantee, the loan period is generally not more than 5 years.
(five) from the statutory retirement age of less than 5 years (including 5 years), the housing provident fund loan period may be appropriately extended, and the extension period shall not exceed 5 years.
What are the second-home provident fund loan policies?
The restrictive conditions of the second set of housing provident fund loans are as follows: 1. The second set of housing is defined as the number of mortgages determined by the borrower's family (including the borrower, spouse and minor children). A family that has used provident fund loans or commercial loans to buy a house and applies for a mortgage again is regarded as a second set of housing. According to the current relevant regulations, individual housing provident fund loan applicants can obtain corresponding approval as long as they have no housing loan business in commercial banks and provident fund centers and meet other housing provident fund loan conditions. 2. As long as buyers don't owe bank loans (whether commercial loans or provident fund loans), they can buy two suites with provident fund loans. If your first home loan is not settled, you cannot use the provident fund loan. Extended data:
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. 20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1. 20 14- 10, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank issued a document, including relaxing the conditions of provident fund loans, promoting loans from different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months). On August 17 and 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that the down payment for purchasing a second home with provident fund loans will be cancelled by 20% from September 15 and 1 day! Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or 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. The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
Can I get a loan from the second-home provident fund?
The second-home provident fund can be loaned, but it is already a second-home loan. Whether it is a bank loan or a provident fund loan, there has been a credit record. If you buy a house according to the second home loan, the loan amount and tax rate will rise.
If you want to use the housing provident fund loan to buy a second house, then the borrower needs to meet the following conditions:
1. The borrower has participated in the housing provident fund deposit system, and when applying for the housing provident fund loan, our personal housing provident fund has been paid in full and normally for half a year, and the status of the provident fund account is normal;
2. The borrower has a stable job and income, and has the ability to repay the loan principal and interest;
3. The borrower's personal credit status is good, and there is no bad record such as overdue;
4. If the borrower uses the housing provident fund loan to purchase the first suite, the second suite must pay off the arrears of the housing provident fund loan under its name before applying for the housing provident fund loan. If both husband and wife use housing provident fund loans, they cannot have any outstanding housing provident fund loans under their names.
5. When applying for housing provident fund loans, there is sufficient balance in the housing provident fund account;
6. When the second suite applies for a housing provident fund loan, the borrower needs to make a down payment of 50%, and the down payment ratio stipulated in different regions is different;
7, in line with other conditions stipulated by the housing provident fund management center.
Therefore, only buyers who meet the above conditions will have the opportunity to apply for housing provident fund loans when buying a second suite. Housing provident fund management centers in different regions have different requirements for housing provident fund loans for second homes, which shall be subject to local policies and regulations.
legal ground
Regulations on the administration of housing provident fund
Eleventh housing provident fund management center shall perform the following duties:
(a) the preparation and implementation of housing provident fund collection and use plan;
(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;
(three) responsible for the accounting of housing provident fund;
(four) to approve the extraction and use of housing provident fund;
(five) responsible for the preservation and return of housing provident fund;
(six) the preparation of housing provident fund collection and use plan implementation report;
(seven) to undertake other matters decided by the housing provident fund management committee.
Twelfth housing provident fund management committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts.
The housing provident fund management center shall sign an entrustment contract with the entrusted bank.
20 15 what is the down payment for the second-home provident fund loan?
Policies vary from place to place. The "330" New Deal stipulates that the minimum down payment ratio should be adjusted to not less than 40% for households that own a house and the corresponding housing loans are not settled. At the same time, the paid employees' families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is lowered to 20%; Families who own a house and have settled their loans apply for housing provident fund again, and the minimum down payment ratio is 30%.
This concludes the introduction of 20 15 second-home provident fund loan interest rate and 2020 second-home provident fund loan interest rate. I wonder if you have found the information you need?