Buying a house is almost accompanied by a person's life, and many people will choose to use provident fund loans. There are many terms and requirements for Changzhou provident fund loan. How much do you know? This article will answer for you. This payment applies to locals and foreigners.
First, the condition for applying for provident fund loans is that the housing provident fund has been continuously deposited for 6 months or more. Specific requirements: employees applying for housing provident fund loans should meet the conditions that they have paid the housing provident fund in full and on time for 6 months, that is, the applicant's housing provident fund account was not sealed when applying for loans, and the unit and individual where they work are expected to pay the housing provident fund continuously for at least 6 months, and the first remittance time is more than 6 months (inclusive) from the application date. The first remittance time is based on the date when the funds are recorded.
Second, the amount of provident fund loans, the first home loan amount is 20 times of the balance of provident fund, and the second home loan amount is 10 times of the balance. The details are as follows: the paid employees use the housing provident fund personal housing loan to buy the first set of ordinary self-occupied housing, only one borrower meets the loan conditions, and the borrower has no record of housing provident fund withdrawal and loan. The loan amount is calculated as 20 times of the balance of the borrower's housing provident fund, with the maximum loan amount of 300,000 yuan for individuals (that is, the balance of the provident fund account needs 1.5 million yuan) and 500,000 yuan for dual employees; If the housing provident fund has been used before applying for the provident fund loan, the loan amount can only be calculated by 10 times the balance of the provident fund account. Apply for a provident fund loan of 300,000 yuan, and the balance of the provident fund account needs 30,000 yuan; The third provident fund loan stopped.
3. The down payment ratio of provident fund loans is 20% for the first suite below 90 square meters and 30% for the first suite above 90 square meters. The details are as follows: the borrower uses the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%. For the second housing provident fund personal housing loan, the down payment ratio is not less than 60%, and the loan interest rate is 1. 1 times the interest rate of the first housing provident fund personal housing loan in the same period.
(The above answers were published on 2013-11-18. At present, please refer to the actual situation for the relevant purchase policy. )
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2. What are the conditions for the Changzhou Provident Fund loan of 600,000 yuan?
Changzhou provident fund loan amount mainly has the following conditions. First, it must be handed in for six months in a row, that is, it must run continuously for six months. Second, the loan amount is mainly 60 times of my monthly average repayment amount for 60 months.
Three, Changzhou provident fund loan conditions and requirements
Legal subjectivity: the current interest rate adjustment of provident fund loans in Changzhou was implemented on July 6, 20 12. The interest rate of provident fund loans for more than five years is 4.50%, the monthly interest rate is 4.50%, and the interest rate of provident fund loans for five years and less is 4.0% per annum. The central bank has lowered the benchmark interest rate for loans twice. The interest rate of provident fund loans for less than five years (including five years) was reduced to 4%, and the interest rate of provident fund loans for more than five years was reduced to 4.5%. It should be noted that the calculation of provident fund loans should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.
Legal objectivity: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
4. Conditions for purchasing a house in Changzhou: What are the conditions for the provident fund loan?
Buying a house is almost accompanied by provident fund loans. Changzhou provident fund loans require a lot. How much do you know? This article will answer your questions about foreigners and foreigners.
1. Conditions for applying for provident fund loans, 6 months or more. Specific requirements: When employees apply for housing provident fund loans, they should pay the housing provident fund in full and on time. The applicant's housing provident fund account has not been sealed, and the housing provident fund has been paid in the previous six months, and the first remittance time is more than six months (inclusive) from the application date, and the first remittance time is based on funds.
Second, the amount of provident fund loans, the first home loan and the second home loan are 10 times the balance. The details are as follows: If the paid employees use the housing provident fund personal housing loan to purchase the first set of ordinary self-payment conditions, the loan amount will be calculated at 20 times of the borrower's housing provident fund storage balance, and the maximum personal loan amount will be 300,000 yuan (that is, the required balance of the provident fund account will be 6,543.8+0.5 million yuan), and the maximum loan amount of dual employees has used the housing provident fund before the five-year provident fund loan, so the loan amount can only be calculated at 654.38+00 times of the balance of the provident fund account. Apply for a provident fund loan of 300,000 yuan, and the balance of the provident fund account needs 30,000 yuan; The third provident fund loan stopped.
3. The down payment ratio of provident fund loans is 20% for the first suite below 90 square meters and 30% for the first suite above 90 square meters. The details are as follows: the borrower purchases the first set of ordinary self-occupied housing by using the housing provident fund personal housing loan, with the down payment ratio of not less than 90 square meters (inclusive) and the down payment ratio of not less than 30%. For the second housing provident fund personal housing loan, the down payment ratio is not less than 60%, and the loan interest rate is 1. 1 times of the first housing loan interest rate in the same period.
(The above answers were posted on 20 13- 1. Please refer to the actual situation. )
Sohu Focus Network provides you with comprehensive information such as real estate information, real estate details, purchase process, owners' forum and home decoration.