Although the new policy of Suzhou provident fund loan has increased the amount of provident fund housing loans, when actually applying for housing provident fund loans, the actual amount of loans that can be applied for is related to the balance of users' provident fund accounts. Increasing the amount of Suzhou provident fund loan is more beneficial to users with high provident fund account balance, but has little effect on users with low provident fund account balance.
After the increase of the loan amount of Suzhou provident fund, it means that the maximum loan amount of users will increase, and they can have a more adequate budget when buying a house.
First, the housing provident fund loan object
Workers who have paid housing provident fund in the administrative area of Suzhou can apply for provident fund loans if they invest in housing. Workers themselves, their spouses, parents (including parents-in-law, father-in-law, mother-in-law) and children (including daughter-in-law and son-in-law) can jointly apply for provident fund loans.
The spouse of the loan applicant shall be the * * * loan applicant, and the buyers of other houses and their spouses shall also be the * * * loan applicant. In the following two cases, the house of the same purchaser can be used as a loan applicant or a loan applicant who participates in the calculation of the loanable amount:
(a) workers who have paid housing provident fund in Suzhou Industrial Park;
(2) Employees of Shanghai Railway Bureau whose families are in Suzhou and who pay housing provident fund in Shanghai.
Second, the basic conditions of housing provident fund loans
(a) the loan applicant and the loan applicant who participated in the calculation of the loanable amount have paid the housing provident fund in full and on schedule for more than 6 months (inclusive) before the application date, and the personal housing provident fund account (hereinafter referred to as the personal account) is in a normal state of payment at the time of application;
(two) no provident fund loan balance;
(3) Handling provident fund loans for the first time or for the second time;
(four) the purchase, construction, renovation and overhaul of owner-occupied housing in Suzhou;
The owner-occupied houses mentioned in this item include ordinary houses, townhouses (houses) and serviced apartments (70-year property rights);
(five) the down payment for the purchase of housing is not less than the prescribed proportion;
(six) the implementation of loan guarantees.
Three. Loan amount, term, down payment ratio and loanable amount.
(1) Loan amount
1, not exceeding the maximum loan limit.
First application for provident fund loan. If two or more loan applicants and * * * loan applicants (inclusive) participate in the calculation of the loanable amount, the maximum loan amount is 900,000 yuan; If only the loan applicant participates in the calculation of the loanable amount, the maximum loan amount is 600,000 yuan.
Second application for provident fund loan. If two or more loan applicants and * * * loan applicants (inclusive) participate in the calculation of the loanable amount, the maximum loan amount is 500,000 yuan; If only the loan applicant participates in the calculation of the loanable amount, the maximum loan amount is 300,000 yuan.
If the provident fund loan is used for the first time to purchase ordinary housing with a construction area of less than 90 square meters (inclusive), and the total housing price does not exceed 165438+ ten thousand yuan, the maximum loan amount is 80% of the total housing price.
2. It shall not exceed the difference between the total house price (including fine decoration amount and attic price) agreed in the house purchase contract (agreement) and the down payment paid.
3. The monthly repayment amount (the principal and interest calculated by the matching principal and interest repayment method) shall not exceed 50% of the sum of the loanable amount calculated by the borrower and * * * and the deposit base of the borrower's housing provident fund.
(2) loan term
The term of the provident fund loan is in years, and the sum of the loan term and the borrower's age at the time of applying for the loan shall not exceed his legal retirement age. At the same time, it shall also meet the following requirements:
1, and the longest loan period for newly-built housing shall not exceed 30 years;
2. The loan period of the existing complete housing, housing construction and housing decoration shall not exceed 20 years at the longest, and the loan period of the existing complete housing shall not exceed the remaining service life of the purchased housing.
(3) down payment ratio
When applying for provident fund loans for the first time, the down payment ratio shall not be less than 20% of the total house price; For the second provident fund loan, the down payment ratio shall not be less than 50% of the total house price.
(4) Loanable amount
For those who apply for provident fund loans for the first time, the loanable amount is the sum of the personal account balances of the borrowers (including those who participate in the calculation of loanable amount) × 10 (times); For the second provident fund loan, the loanable amount is the sum of the personal account balances of the borrowers (including those who participated in the calculation of loanable amount) ×6 (times).
If the sum of individual account balances is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan; If low-and middle-income families with housing difficulties buy affordable housing, the maximum loan amount can reach 30,000 yuan.
Fourth, the loan interest rate:
First application for provident fund loan
If the loan term is less than 5 years, the interest rate is 2.6%;
If the loan term exceeds 5 years, the interest rate is 3. 1%.
Second application for provident fund loan
If the loan term is less than 5 years, the interest rate is 3.025%;
If the loan term exceeds 5 years, the interest rate is 3.575%.
legal ground
"Regulations on the Administration of Housing Provident Fund in People's Republic of China (PRC)" Article 12 The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); 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 full text of the Regulations on the Management of Housing Provident Fund Article 26 Employees who pay housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.