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How much is the provident fund loan? What conditions do provident fund loans need to meet?
1. How much is the provident fund loan? What conditions do provident fund loans need to meet?

Now people buy a house, and the monthly repayment interest is low. Generally speaking, is buying a house a condition? With regard to the conditions of provident fund loans, we can see that there are relevant provisions on the duration and amount of provident fund loans, but the amount of each person is different.

Provident fund loan

1, (individual deposit amount/individual yuan repayment coefficient.

2. You can borrow up to 80% of the appraised house to buy it.

3. Generally, the maximum loanable amount is 920,000 yuan, and the AAA loanable amount is10.04 million yuan.

The above three items also apply to high amounts. When there are differences between them, the one with the lowest loan amount shall prevail.

What conditions do provident fund loans need to meet?

1. You must be eligible to participate in the provident fund. The qualification of provident fund here refers to applying for housing provident fund loans. Your company has the benefits of provident fund, and you can pay it on time. What we are applying for is the deposit period of the provident fund loan, which means that you must pay the housing provident fund continuously for 6 months before applying for the loan, so that you can apply.

2. Housing provident fund loans must be unique. For example, if your wife or lover has applied for a housing provident fund loan, you can't get a housing provident fund loan until you have paid off the principal and interest of the loan. Therefore, a family applying for housing provident fund loans should help their income, such as your job stability, family savings and property stability, and you have good repayment ability.

3. In addition, the purpose of provident fund means that your provident fund loan must be used for housing sales and cannot be used for other purposes. This is managed by the provident fund management center and subject to certain audits. Everyone should pay attention to this. According to the latest regulations of our country, at present, as long as the provident fund is paid for half a year, the general amount is around 300 thousand to 400 thousand, mainly depending on the specific situation. Everyone needs to pay attention.

Look at the above to find the answers to these two questions. Although it is much cheaper to choose provident fund to buy a house, the loan will also be restricted by many conditions. Not everyone can meet the requirements of purchasing a house with provident fund. The threshold for commercial loans is low, so most people can go to mortgage to buy a house.

Second, when buying a house, it is a mortgage loan. Can it be converted into a provident fund loan afterwards?

Mortgage loans to housing provident fund loans, need to meet the following conditions, can be handled:

1, the loan applicant meets the general housing provident fund loan conditions;

2. The loan applicant has obtained the house ownership certificate and the state-owned land use certificate of the purchased house;

3. The original mortgage loan must be a house purchase loan and there is no debt for more than two months at the time of lending.

Third, how to convert the mortgage into a low-interest loan?

1.

There are four ways to reduce the interest rate of the repaid mortgage:

1, commercial loans are converted into provident fund loans.

After the borrower buys a house through a commercial loan, it meets the conditions of the provident fund loan, and can convert the commercial loan into a provident fund loan. Because the commercial loan interest rate is higher than the provident fund loan interest rate, after the loan is successful, the borrower's remaining loan principal is calculated according to the provident fund loan interest rate, which is equivalent to reducing the mortgage interest rate.

In the process of lending, the borrower needs to obtain the consent of the original commercial bank first, then settle the remaining commercial loan principal, and mortgage the property to the housing provident fund center, and the housing provident fund center will lend money. The maximum loan amount shall not exceed the remaining principal amount of the original commercial loan, and the longest term shall not exceed the remaining repayment period of the original commercial loan.

2.

Sell the house and then borrow money to buy a house.

Many borrowers in stock mortgage choose fixed interest rate and central bank benchmark interest rate, and banks do not support changing the pricing method again. The borrower can sell the house after the mortgage is settled, or find a bank that supports the second-hand mortgage to sell the house directly, and then go to the loan to buy a house.

As long as the interest rate of buying a house with a later loan is lower than that of the previous mortgage, it is equivalent to lowering the mortgage interest rate.

3.

Equal pricing daily interest rate reduction

LPR-priced provident fund loans and commercial loans are not fixed interest rates. As long as the benchmark interest rate on the repricing date is lowered, the mortgage interest rate in the current year will also be lowered after repricing, but the repricing date of different types of loans is different, so the time for lowering the interest rate will be different.

The repricing date of provident fund loans is 65438+ 10/month1year; The repricing date of commercial loans is 1+0 every year and the corresponding date of the loan issuance date, subject to the repricing date agreed in the loan contract.

4.

Replace mortgage with commercial loan.

That is, the borrower finds a guarantee institution to pay off the mortgage, then mortgages the property to the bank to apply for an operating loan, and then returns the money to the guarantee institution after the loan is issued. Operating loan interest rate is lower than mortgage interest rate, which is equivalent to indirectly reducing mortgage interest rate.

However, this way of borrowing is risky. If the borrower is not an individual industrial and commercial household or a small and micro enterprise owner, he will be investigated for criminal responsibility if he obtains a loan by forging business information and is suspected of defrauding the loan. In addition, the term of operating loans will not exceed 5 years at the longest, which will bring great pressure on borrowers to repay loans.

4. What conditions need to be met when a mortgage loan is converted into a provident fund loan?

According to relevant regulations, mortgage can be converted into provident fund loans, but some relevant conditions need to be met:

1. The applicant has continuously paid the provident fund for at least 6 months.

2. The applicant must be the original borrower or spouse, and the application of others is invalid.

3. Apply to the bank to settle the loan in advance, and the bank agrees to handle the next business.

4. The mortgage loan repayment shall be no less than 65,438+0 years, with a good credit record and no overdue behavior.

5. The borrower guarantees that the purchased property has the property ownership certificate, and the previous person has not applied for the housing provident fund loan.

6 provident fund loan amount shall not exceed the maximum amount and the original mortgage loan balance.

After the above six conditions are met, the transformation can be carried out, and the following related materials need to be prepared:

1. ID card: the original and photocopy of the ID card of the applicant and spouse.

2. Household registration book: the original and photocopy of the household registration book of the applicant and spouse.

3. Marriage certificate: the original and photocopy of the applicant's marriage certificate, and relevant certificates are required for unmarried or divorced.

4. Application approval form: application approval form for housing provident fund loan.

5. Mortgage contract and loan certificate: the original loan mortgage contract, loan certificate and other related materials.

6. Real estate license, deed tax certificate and land certificate: the originals and copies of real estate license, deed tax certificate and land certificate are required.

7. Sales contract: the original and photocopy of the sales contract for commodity (economic) houses or the sales contract for stock houses.

8. Registration Form: one original and one copy of the house mortgage registration form.

After meeting the above conditions and preparing the above information, you can go to the relevant departments to handle the mortgage-to-provident fund loan.