1. What is the maximum amount of provident fund for an individual in Zhengzhou?
The maximum provident fund loan limit in Zhengzhou is 700,000.
If both the borrower and his wife make normal housing provident fund payments at the Zhengzhou Municipal Housing Provident Fund Management Agency, the maximum single personal housing loan amount is 450,000 yuan; For those who pay housing provident fund, the maximum single personal housing loan amount is 350,000 yuan.
Loan amount and calculation method:
Zhengzhou housing provident fund loan amount
(1). Use a housing provident fund loan to purchase a family’s first home. The property purchased is If the house is purchased off-plan, the loan amount shall not exceed 70% of the total price of the property purchased; if the house purchased is a second-hand house, the loan amount shall not exceed 60% of the total price of the property purchased.
(2). The family already has one home (including the property owned by the borrower and his spouse and the buyer, the same below), and then purchases the second home of the family (including existing housing, remortgage ), if a housing provident fund loan is used, the loan amount shall not exceed 40% of the total price of the property purchased; housing provident fund loans will not be provided to families purchasing a third or more homes for the time being.
(3). The remortgage loan limit shall not exceed 70% of the total original purchase price and 60% of the total appraised price of the property, and shall not exceed the limit of the principal balance of the commercial loan;
( 4). If the borrower unilaterally pays and deposits provident funds at the Zhengzhou municipal level, the maximum single loan amount shall not exceed 300,000 yuan. If both spouses pay and deposit provident funds at the Zhengzhou municipal level, the maximum single loan amount shall not exceed 400,000 yuan. The maximum loan limit for Shangjie Branch Center and County (City) Management Department is 300,000 yuan.
(5). The borrower’s specific loan amount is determined based on the above conditions combined with the borrower’s age and family income.
Calculation method of provident fund loan amount
Loan amount calculated based on loan repayment ability
The calculation formula is:
[(borrower Total monthly salary (monthly payment and deposit amount of the housing provident fund of the borrower's unit) × loan repayment ability coefficient - total monthly repayment of the borrower's existing loan] × loan term (months).
According to the spouse’s quota
[(the total monthly salary of both spouses, the monthly housing provident fund payment amount of the employer where both spouses work) × the loan repayment ability coefficient - the monthly repayment of existing loans of both spouses Total amount]×Loan term (months).
The loan repayment ability coefficient is 40
Total monthly salary = monthly provident fund payment ÷ (unit contribution ratio individual contribution ratio).
The loan amount calculated based on the house price
The calculation formula is: loan amount = house price × loan ratio
The loan amount calculated based on the maximum loan limit
If you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan; if you use your spouse’s housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 600,000 yuan. If you use your own housing provident fund to apply for a housing provident fund loan, and you make normal deposits to supplement the housing provident fund when applying for the loan, the maximum loan limit is 500,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, and you or your spouse make normal deposits when applying for the loan To supplement the housing provident fund, the maximum loan limit is
2. An individual’s monthly deposit of Zhengzhou housing provident fund is 223 yuan. I am 25 years old and have been paying for two consecutive years. I am planning to take out a loan to buy a house. What is the maximum amount I can bring?
The calculation formula of being able to borrow about 300,000 yuan: [(the total monthly salary of the borrowing unit) monthly housing provident fund deposit amount) × the loan capacity coefficient - the total monthly loan repayment of the current loan] × loan period (months)
3. The maximum loan amount of Zhengzhou Provident Fund
Legal Subjectivity: The new policy of Zhengzhou Housing Provident Fund is here! The maximum loan can be 600,000! The new policy will be implemented from May 1 this year. Friends who have the intention to buy a house but have not understood it carefully before should take a closer look! 1. Loan application conditions are relaxed. Employees who have paid the housing provident fund normally for more than 6 months (inclusive) can apply for a provident fund loan.
If the housing provident fund has been paid in another place (including other housing provident fund management agencies in the same city) and has been paid in the current place of deposit for less than 6 months, the payment time can be calculated based on the payment certificate issued by the housing provident fund management agency in the original place of deposit. . Other loan application conditions shall be implemented in accordance with the relevant provisions of the "Zhengzhou Housing Provident Fund Individual Housing Loan Management Measures". 2. Increase the maximum loan amount. When applying for provident fund loans in Zhengzhou City, if both husband and wife meet the loan conditions, the maximum loan amount will be adjusted to 600,000 yuan; if only the applicant meets the loan conditions, the maximum loan amount will be adjusted to 400,000 yuan. When applying for provident fund loans in the counties (cities) and Shangdi District of Zhengzhou, the maximum loan amount is adjusted to 400,000 yuan. There is no upper limit on the total amount of combined loans, and the provident fund loan limit shall be subject to the above regulations. 3. Adjust the maximum loan ratio. For families of deposit-paying employees who use provident fund loans to purchase their first commercial housing (including affordable housing and unit-financed housing, the same below), the loan ratio is adjusted to a maximum of no more than 80% of the total price of the property; for households with deposit-paying employees, If you already own a house and after paying off the corresponding housing loan, you use a provident fund loan to purchase a second commercial house, the loan ratio will be adjusted to a maximum of 70% of the total price of the property; if a paying employee uses a provident fund loan to purchase an existing commercial house, The loan ratio is adjusted to a maximum of 60% of the total property price. Loans will not be granted to households that purchase their third or more homes, have used provident fund loans twice, or whose last provident fund loan has not been paid off. 4. Simplify loan application procedures. Proof of income is no longer required when applying for provident fund loans. If both spouses contribute to the housing provident fund, the monthly repayment amount shall not exceed 70% of the sum of the deposit bases of both spouses; if the couple is unmarried or not remarried, the monthly repayment amount shall not exceed the borrower's deposit base; The base number can be calculated combined with the borrower; for portfolio loans, the commercial bank that issues the loan will review the borrower's repayment ability. 5. Adjust the loan period for existing housing. To purchase existing commercial housing that has been completed for less than 20 years, the maximum loan period should not exceed 20 years; to purchase existing commercial housing that has been completed for more than 20 years, the maximum loan period should not exceed 15 years. 6. The "remortgage" business is suspended. In order to fully protect the provident fund loan needs of deposit-paying employees when purchasing houses, the business of converting housing loans to provident fund loans (i.e., "remortgage") of commercial banks is suspended. This adjustment to the provident fund policy is another piece of good news for Zhengzhou’s property market after the country’s 330 New Deal.
4. What is the maximum provident fund loan amount in Zhengzhou? What if it is not enough?
Yes.
Instructions for housing provident fund loans
Loan objects
Those who purchase and build self-occupied housing within the administrative area of ????this city and pay and deposit the housing provident fund normally according to regulations Employees (the borrower is the housing buyer and pays the housing provident fund normally).
Loan conditions
1. The borrower and his or her spouse have valid identity certificates;
2. There is a certain proportion of down payment, the down payment plus the loan amount Equal to the total price of the property purchased;
3. Before applying for a loan, the borrower (i.e. the home buyer) has paid provident fund continuously, on time and in full for more than 6 months after opening a provident fund deposit account;
4. Have stable economic income, good credit, and the ability to repay the principal and interest of the loan;
5. Agree to provide a loan guarantee method approved by the Housing Provident Fund Management Center;
6. The borrower and his/her spouse have no outstanding provident fund loans or other large debts.
Required information
1. 3 copies of the borrower’s ID card and 2 copies of the borrower’s spouse’s ID card; if there is a *** person, please also provide *** 3 copies of someone’s ID card.
2. Two copies of the household registration booklet of the borrower, spouse and *** (if there is a ***).
3. Two original income certificates for the borrower and his spouse (stamped by the payroll department).
4. 2 copies of the borrower’s marriage (divorce) certificate.
5. 3 original copies of the "Commercial Housing Sales Contract"; 2 copies of the "Contract Information Filing Summary".
6. The original and 2 copies of the down payment invoice.
7. 2 copies of the "House Notice Registration Certificate" (except for the purchase of real estate in high-tech zones and economic and technological development zones).
8. One copy of the "State-owned Land Use Certificate" (all).
9. One copy of the "Commercial Housing Pre-Sale License" (with attached pictures).
10. The borrower’s bank account number used for repayment.
Note: ① All copies of the above items 1-7 must be provided at the same time as the originals; for the second-generation ID card copy, the front and back sides must be copied on the same paper; the copy of the household registration book must include the first page, The household homepage and personal page; those who have reached the legal marriage age but have not been married, or those who have not remarried after divorce or widowhood must provide a certificate of non-marriage (non-remarriage) issued within the last 30 days by the civil affairs department in the place where the household registration is located; ② If the property purchased is in Zhengdong New District, it is required Provide "Zhengzhou City Zhengdong New District Real Estate Personal Loan Mortgage Portfolio" and "Zhengdong New District Pre-Purchase Commercial Housing Mortgage Advance Registration Application". ③ If the borrower or spouse is a non-Zhengzhou municipal provident fund depositor, the provident fund management department of the place of deposit shall issue a certificate that the provident fund loan is not being repaid; if the borrower does not participate in the provident fund system, the unit shall issue a certificate. ④ When purchasing a second-hand house, you do not need to provide 5-9 items of materials, but you need to provide the real estate certificate, the identity, household registration, marriage and other supporting materials of the seller and his wife, as well as the sales contract and down payment receipt. ⑤ 5-9 items of materials are not provided for remortgage, but materials such as real estate certificate, original loan contract, original mortgage contract, original house purchase contract, repayment record of the original loan for the past 24 periods and proof of principal balance are required. Purchase with a commercial loan Second-hand houses cannot be converted into housing provident fund loans for the time being. Copies of the above materials must be on A4 paper.
Loan amount, term, interest rate
1. Loan amount:
(1) Use a housing provident fund loan to purchase the family’s first home, and the property purchased is for a period of time. If the house purchased is a second-hand house, the loan amount shall not exceed 60% of the total price of the property purchased.
(2) The family already has one home (including the property owned by the borrower and his spouse and the buyer, the same below), and then purchases the second home of the family (including existing houses and remortgages) , if a housing provident fund loan is used, the loan amount shall not exceed 40% of the total price of the property purchased; housing provident fund loans will not be provided to families purchasing a third or more homes for the time being.
(3) The remortgage loan limit shall not exceed 70% of the total original purchase price and 60% of the total appraised price of the property, and shall not exceed the limit of the principal balance of the commercial loan;
(4 ) If the borrower unilaterally pays and deposits provident funds at the Zhengzhou municipal level, the maximum single loan amount shall not exceed 300,000 yuan. If both spouses pay and deposit provident funds at the Zhengzhou municipal level, the maximum single loan amount shall not exceed 400,000 yuan. The maximum loan limit for Shangjie Branch Center and County (City) Management Department is 300,000 yuan.
(5) The borrower’s specific loan amount is determined based on the above conditions combined with the borrower’s age and family income.
2. Loan period:
(1) When purchasing commercial housing (including affordable housing), the maximum period shall not exceed 30 years;
(2) When purchasing second-hand housing The loan period plus the age of the house should not exceed 30 years;
(3) The sum of the borrower's age and the loan term should not exceed his or her statutory retirement age (those with senior professional and technical titles can be extended by 5 years).
3. Loan interest rate:
Based on the housing provident fund loan interest rate announced by the People's Bank of China. When the state adjusts the interest rate, the interest rate will not be adjusted in the year that the loan has been disbursed. On January 1 of the following year The latest interest rate will be implemented as of today. If a loan contract has been signed but no loan has been made, the latest interest rate will be applied when the loan is made, and no separate loan contract will be signed or the borrower will be notified. For those purchasing a second home for a family, the loan interest rate is 1.1 times the housing provident fund personal housing loan interest rate for the same period.
Loan procedures
1. Arrange housing provident fund loan procedures or identify loan qualifications (second-hand housing, remortgage);
2. Borrower and guarantee The company handles the guarantee and mortgage procedures;
3. The borrower signs an IOU and an entrusted deduction agreement with the bank;
4. The Housing Provident Fund Management Center entrusts the bank to issue the loan;
5. The guarantee company notifies the borrower to collect the "Entrusted Loan Contract" and "Mortgage Contract".
Note: Loan processing requires the borrower, spouse, and *** (if any) to be present at the same time. If you are unable to attend due to special circumstances, a notarized power of attorney will be issued.
Repayment method: Early repayment
One year from the date of loan disbursement, the borrower can repay all or part of the principal and interest of the loan in advance if it is not overdue. The working hours from the 6th to the 10th of each month are the business hours for accepting early repayment (extension on holidays). In the case of partial repayment, the principal amount of each early partial repayment must be more than 10,000 yuan (if you apply for an extension at the same time, the principal amount of partial repayment must be more than 40% of the loan balance). Due to data transmission requirements, the borrower cannot handle this business on the normal repayment day of the month.
Notes 1. After the loan is issued, the borrower shall repay the principal and interest of the loan on time as stipulated in the contract. If the loan is not repaid within the agreed time, penalty interest will be charged on the overdue principal in accordance with the provisions of the People's Bank of China. The interest is compounded.
2. If you deposit and apply for a loan in the same provident fund management department of the center, you can apply for the provident fund automatic offset loan business when applying for a loan or after 1 period of normal repayment (for specific application conditions and requirements, please refer to the corresponding business instructions ).
3. Application location: Those who purchase a house in Zhengzhou city should go to ① Baihua Road Service Hall of Zhengzhou Housing Provident Fund Management Center (No. 46 Baihua Road No. 8) or Zhengdong New District Service Hall (CBD Inner Ring Road No. 9 (between Rudong Road and Jiuru Road); those who purchase houses in Shangdi District and counties (cities) should apply at the corresponding sub-center and management department service hall.
4. Acceptance time: normal working days from 1st to 28th of each month, 9:00-12:00 am, 13:00-17:00 pm.