65438+1October 19. The newspaper learned from the Nanning Housing Provident Fund Management Center in Guangxi that Nanning is now open to the public for comments on the formulation of the Detailed Rules for the Management of Personal Housing Loans of Nanning Housing Provident Fund for a period of 30 days. The detailed rules for implementation shall come into force on March 1 day, 2022, and shall be valid for five years. If the public has any comments or suggestions, they can give feedback before February 15, 2022.
According to the draft of the detailed rules for implementation, the maximum amount of the first-home provident fund loan in Nanning will be raised from 600,000 yuan to 700,000 yuan, and the maximum amount of the second-home provident fund loan will be raised from 500,000 yuan to 600,000 yuan. In the past five years, there have been false information and false promises, personal credit information has a bad record, and the credit card has been overdue for more than two consecutive times in the past year, and loans are not allowed; Support paid workers' families to buy the first set of self-occupied housing or the second set of self-occupied housing to improve living conditions, and do not support the purchase of the third and above self-occupied housing.
65438+1October 15 The National Bureau of Statistics announced the sales price changes of commercial housing in 70 large and medium-sized cities in 20265438+/kloc-0+February, and the new houses in Nanning decreased by 0.2% month-on-month and increased by 1.7% year-on-year. Second-hand houses decreased by 0.4% month-on-month and 1.9% year-on-year. The price of new houses in Nanning has dropped for five consecutive months; Second-hand housing prices have fallen for six consecutive months. According to the data of Ke Rui, the house price in Nanning in February was165438/2923 yuan/square meter; 202 1, the average transaction price of commercial housing in Nanning 13093 yuan/square meter.
Six cities in Guangxi Beibu Gulf can apply for loans in Nanning.
According to the "Implementation Rules", employees who normally deposit housing provident fund in Nanning Provident Fund Center can apply for provident fund loans from Nanning Provident Fund Center. Workers in Guangxi Beibu Gulf Economic Zone (Beihai, Qinzhou, Fangchenggang, Yulin, Chongzuo) whose household registration is in Nanning, Beihai, Qinzhou, Fangchenggang, Yulin, Chongzuo can apply for provident fund loans from Nanning Provident Fund Center to purchase self-occupied housing within the administrative area of Nanning.
According to the detailed implementation rules, the loanable amount of each provident fund loan in Nanning is calculated by Nanning Provident Fund Center according to the regulations of Nanning Housing Provident Fund Management Committee, such as the maximum amount of provident fund loans, the calculation formula of loan amount, house value, down payment ratio, repayment ability coefficient and credit status. After comprehensive evaluation of the actual situation of the loan applicant, determine the lowest value (rounded to the nearest integer multiple of 1 1,000 yuan).
The maximum amount of provident fund loans stipulated by Nanning Housing Provident Fund Management Committee is: the maximum amount of first-home provident fund loans is 700,000 yuan, and the maximum amount of second-home provident fund loans is 600,000 yuan. The interest rate of provident fund loans is subject to the statutory interest rate announced by the People's Bank of China. The interest rate of the first set of housing provident fund loans is the benchmark interest rate of housing provident fund loans announced by the People's Bank of China, and the interest rate of the second set of housing provident fund loans is 1. 1 times of the first set of housing provident fund loans in the same period. In case of legal interest rate adjustment during the loan repayment period, it shall be implemented according to the relevant regulations of the People's Bank of China. The calculation formula of the loan amount is: loan amount = borrower's provident fund deposit balance × deposit balance multiple × deposit time coefficient × risk prevention and control coefficient.
The deposit time coefficient is determined according to the borrower's continuous normal deposit time: 1. When the continuous normal deposit time is between 6 months and 23 months, the deposit time coefficient is 0.8; 2. When the continuous normal deposit time is between 24 months and 35 months, the deposit time coefficient is1; 3. When the continuous normal deposit time is between 36 months and 59 months, the deposit time coefficient is1.2; 4. When the continuous normal deposit time is 60 months or more, the deposit time coefficient is 1.5.
The risk prevention and control coefficient is determined according to the utilization rate of funds when Nanning Provident Fund Center applies for loans (refers to the ratio of the balance of provident fund loans to the balance of provident fund deposits in Nanning Provident Fund Center): 1. When the capital utilization rate does not exceed 85%, the risk prevention and control coefficient is1; 2. When the capital utilization rate exceeds 85% but not more than 90%, the risk prevention and control coefficient is 0.9; 3. When the capital utilization rate exceeds 90% but does not exceed 95%, the risk prevention and control coefficient is 0.8; 4. When the capital utilization rate exceeds 95%, the risk prevention and control coefficient is 0.7.
Two or more loan applicants independently calculate their loan amount in the above formula before merger and addition.
Do not support the purchase of third and above self-occupied housing.
The "Implementation Rules" clarify that provident fund loans support paid-in workers' families to purchase the first set of self-occupied housing or the second set of self-occupied housing to improve their living conditions, and do not support the purchase of the third and above self-occupied housing.
If the loan applicant has no housing in the administrative area of Nanning (the administrative area where the railway sub-center loan applicant buys a house, hereinafter referred to as the "administrative area") and has not used provident fund loans nationwide, it will be regarded as buying the first home and implementing the first housing provident fund loan policy.
Nanning implements two sets of housing provident fund loan policies for the purchase of a second house, including: (1) the loan applicant owns a house within his administrative area and has not used provident fund loans nationwide; (2) The loan applicant has a house in the administrative area and has used the provident fund loan nationwide and paid it off; (three) the loan applicant has no housing in the administrative area but has used the provident fund loan nationwide and paid it off; (4) If the loan applicant purchases the renovation project of dilapidated houses, owns two or more houses or has used and settled a provident fund loan within the administrative area, the second set of housing provident fund loan policy will be implemented, and the number of houses will not be limited.
If it is confirmed that the third and above houses will be purchased, the loan will not be granted, including (1) if the loan applicant owns two or more houses in the administrative area; (2) The loan applicant has used the provident fund loan twice or more nationwide.
The "Detailed Rules for Implementation" stipulates that when applying for a loan, a loan applicant shall not be granted a loan in any of the following circumstances:
(1) Personal credit information has one of the following bad records: 1. Currently in loans overdue, or compensated by the guarantor; 2. The loan or credit card has been overdue for more than two consecutive periods (inclusive) in the past year; 3. In the past two years, the loan or credit card has been overdue for more than three consecutive periods; 4. The loan or credit card is overdue for more than five years 12 (inclusive); 5. There are bad debts, write-offs, stop payment, compulsory execution, etc. 6. Being included in the list of people who have lost their trust;
(two) in the past five years, it has provided false information and false promises;
(three) due to illegal use of housing provident fund withdrawal, loan eligibility has not reached the prescribed time limit;
(four) the illegal use of housing provident fund is under investigation or the administrative law enforcement case has not been implemented and has been ordered to rectify, punish or deal with it;
(five) there are other circumstances that may affect the safety of provident fund loans.
Second, Nanning second-hand housing provident fund loan policy?
1. The housing accumulation fund shall be paid in full and on time for more than 12 months (inclusive) from the date of loan application, and the last payment month from the month of application shall not exceed two months.
Two, have a stable occupation and income, have the ability to repay the loan principal and interest on schedule, and have a good credit status.
Three, there is a valid purchase contract or agreement. If you buy a first-hand house, you should apply for a loan within one year of the advance registration of real estate; To buy a second-hand house, you should apply for a loan within one year after obtaining the property right certificate; To build a house, you should apply for a loan within one year after obtaining the approval documents of the relevant departments and building more than one floor (inclusive); If a commercial loan is converted into a provident fund loan, you can apply for a loan after obtaining the property right certificate.
Four, the loan applicant and his family in the administrative area of Nanning only one set of housing, and the housing construction area is within 120 square meters (inclusive), allowing them to apply for personal housing loans using the housing provident fund when purchasing a second set of housing with a construction area of 144 square meters (inclusive).
5. If the loan applicant and his family have used the housing provident fund personal housing loan and settled it, and there is no room or the only housing construction area is within 120 square meters (inclusive), they are allowed to apply for the housing provident fund personal housing loan again when purchasing the housing with the construction area of 144 square meters (inclusive).
Three, Nanning housing provident fund loans
Legal objectivity
"Regulations on the Management of Housing Provident Fund" Article 26 When employees deposit housing provident fund, they can withdraw housing provident fund. Make a decision on granting or not granting the loan within 0/5 days from the date of public housing, 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.
Legal subjectivity:
What is the knowledge about the loan conditions of Nanning housing provident fund for reference? Nanning pays the housing accumulation fund in full and on time (counting from the time of applying for the loan). 2, with the ability of urban residents to repay the loan principal and interest. 4. There is a legal and effective purchase contract or fund-raising housing agreement. 5. More than 20% of the down payment has been paid, and 20% and 30% of the area over 90 square meters. ) program 1, application. Borrower The borrower shall collect the application form from the business outlet with the Purchase Contract (or the agreement on fund-raising for building), fill in and submit the required valid certification materials at the same time. Our center decided to pay 10 from the date of acceptance. 2. Sign a loan contract. After the loan is issued by our center, the borrower signs a loan contract and related contracts with the bank entrusted by our center, and allocates the loan. After the loan contract comes into effect, the loan funds will be transferred to the account of the selling unit according to the loan contract. Nanning housing provident fund loan type 1, pure provident fund loan: purchase for self-occupation, which can be used to purchase commercial housing, affordable housing, fund-raising housing, second-hand housing and other ordinary commercial housing. 2. Portfolio loan: If the pure provident fund loan is still insufficient to pay for the house purchase, you can apply for a commercial house loan from the bank to supplement the house purchase funds. Nanning housing provident fund loan amount, term 1, the loan amount does not exceed 80% of the total purchase price, and the maximum loan amount is 500,000 yuan. 2. The loan term is 1. The loan interest rate is divided into two grades: the loan term is 4.00% (the monthly interest rate is 3.33‰), and the annual interest rate of the loan term over five years is 3.75‰. The interest rate of the second suite is 1. 1 times the benchmark interest rate.
4. What is the down payment ratio of second-hand housing Nanning provident fund loan?
Buying a second-hand house, using the provident fund loan is not in accordance with your down payment ratio, so there is no problem with the loan ratio, and he is not limited by the ratio.
Individuals can borrow for more than 6 months. Of course, buying a house is a prerequisite. 1 If the husband and wife jointly contribute to the provident fund, the maximum loan is 300,000 yuan, and if both parties jointly contribute, the maximum loan is 400,000 yuan. If any 1 couple is introduced by talents, the maximum loan can be 50,000 yuan. Therefore, to buy a second-hand house, the provident fund can only borrow up to 450,000 yuan. If the documents are complete, the loan will be fine, and the loan amount is what I said above.