1. Beijing’s latest housing provident fund loan standards
According to reports, Beijing’s latest housing provident fund loan conditions have been released, clarifying that loans for the purchase of second homes are limited to existing housing per capita. Homes with floor area less than 29.4 m2. According to the notice issued by the Beijing Housing Provident Fund Management Center on its official website on adjusting the per capita housing construction area standard for housing provident fund personal loans for "second homes" (Jingfang Provident Fund [2013] No. 1), the Beijing Municipal Bureau of Statistics announced that in 2011 The per capita housing construction area of ??urban households is 29.4 square meters. If the per capita living area of ??the first home exceeds 29.4 square meters, home buyers who apply for provident fund second home loans will be rejected.
2. Is it okay to repay a Beijing housing provident fund loan more every month?
Hello, it is possible to repay a Beijing housing provident fund loan every month, but it should be decided based on your actual situation. . Generally speaking, you can determine the monthly repayment amount based on your actual situation, but the minimum repayment amount cannot be lower than the monthly interest rate multiplied by the loan balance. For example, if the loan balance is 500,000 yuan, then your minimum monthly payment is 1,625 yuan. In addition, you can also adjust the monthly repayment amount according to your actual situation, but it cannot be lower than the minimum repayment amount.
3. How much can you borrow if you have accumulated 94 months of accumulated provident fund deposits in Beijing?
Beijing’s provident fund can be loaned out about RMB 800,000 if it has been deposited for 94 months. According to the Beijing provident fund management regulations, those with one year of service and less than ten years of service can only get loans of RMB 100,000 per year. Those who have been employed for ten years can only get loans of RMB 100,000. You can get a direct loan of 1.2 million.
IV. Beijing Housing Provident Fund Loan
Beijing Provident Fund policy is: 1. When applying for a housing provident fund loan, "recognize the house and subscribe for the loan." 2. The loan limit shall be linked to the housing provident fund payment period of the borrower. In order to reflect the fairness and impartiality of the system, a loan of 100,000 yuan can be made for each year of deposit. If the deposit period is less than one full year, the maximum loan allowed is 1.2 million yuan. 3. Differentiate the maximum loan amount. 4. The down payment ratio was adjusted with reference to the current commercial loan policy. 5. The loan period has been adjusted. The loan period has been adjusted from the maximum that can be calculated until the borrower is 70 years old to the maximum limit of 65 years old in principle. 6. Adjust the monthly repayment amount. 7. Adjust the guarantee method. 8. Streamline loan application materials. 9. Streamline archival materials. "Notice of the Beijing Housing Provident Fund Management Center on Adjusting the Housing Provident Fund Personal Housing Loan Policy" Article 1 When applying for a loan, the borrower applicant shall meet the following conditions: (1) When applying for a loan, the borrower applicant shall continuously pay the housing provident fund for six months (inclusive) ) or above and the personal housing provident fund account is in normal payment status; retirees have paid housing provident fund before retirement. (2) The borrower applicant must be qualified to purchase a house in Beijing; apply for a loan to pay for the house purchased. (3) If the borrower does not have a housing loan record in his name and does not own a house in this city, the loan application will be handled according to the first home loan policy; if it is not the first home but is determined to be a second home, the loan policy will be followed. Those who are approved as having two or more houses will not be granted a loan. Warm reminder: The above answers are only based on the current information and my understanding of the law. Please refer to it with caution! If you still have questions about this issue, it is recommended that you sort out the relevant information and communicate with professionals in detail.