Current location - Loan Platform Complete Network - Loan consultation - The company is a state-owned enterprise. Every month, individuals pay 200 yuan of provident fund, and companies pay 200 yuan. How much can they borrow from the provident fund loan to buy a house?
The company is a state-owned enterprise. Every month, individuals pay 200 yuan of provident fund, and companies pay 200 yuan. How much can they borrow from the provident fund loan to buy a house?
1) The maximum amount of the city's provident fund is 500,000 yuan, which meets the following conditions: the purchased property is an ordinary residence in Changsha (excluding villas, commercial and residential houses and investment prefabricated houses), and the total area of the existing housing property of the family (including minor children) does not exceed 140 square meters (inclusive) before buying a house.

80% of the municipal provident fund loan: it is the first loan, and there is no real estate under the name. The loan is used to purchase real estate below 90㎡.

70% of the municipal provident fund loan: the loan is more than 90㎡, which is the first loan.

50% of the city's provident fund loan: there is real estate (regardless of area) under the name, or there is real estate but it has been sold (including one-time and mortgage purchase).

2) The maximum amount of the provincial provident fund is 500,000 yuan, and the following conditions must be met: the purchased property is certified by the provincial provident fund in Changsha, and the purchaser has paid the deposit normally for more than 6 consecutive months, with no record of loan default for 3 months and no overdue credit record for more than 3 times.

80% of the provincial provident fund loan: there is no real estate under the name (no housing certificate has been issued), and the loan is the first time, and the real estate below 90m2 is purchased.

70% of the provincial provident fund loan: there is a real estate in the name (but it has been sold at one time), or the loan is more than 90㎡, which is the first loan and there is no real estate in the name.

60% of the provincial provident fund loan: I started to own real estate, bought it by mortgage, and now it has been sold. There is no real estate at present.

50% of the provincial provident fund loan: you can only take 50% if you have real estate under your name.

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