2022 individual housing provident fund loan policy
I. Identification of loan portfolio:
1. If there is no record of housing and provident fund loans in this city under the name of the employee's family, it is recognized as the first set of housing; If there is no housing under the family name, there is a provident fund loan record, or there is a house that meets the conditions of the second set of improved housing, it is recognized as the second set of improved housing loans. In line with the housing provident fund * * * housing loan conditions with property rights protection, it is recognized as the first set of housing loans.
2. If there is no record of provident fund loans in the country and there is no housing in this city under the name of the employee's family paid by other provinces and cities, it will be regarded as buying the first set of housing; If a family has a record of provident fund loans in the whole country or has 1 house in this city, and buys a second set of improved housing, it will be regarded as buying a second set of improved housing.
3. Stop issuing provident fund loans to loan applicants who meet the following conditions:
(1) Employees' families who have paid provident fund loans twice;
(2) paid workers' families who buy a second set of non-improved housing.
4. Relevant requirements for applying for housing provident fund loans to determine the number of housing units due to marriage:
If the borrower or his spouse owns no more than 65,438+0 property houses with their respective parents before marriage (that is, the borrower or his spouse owns 65,438+0 property houses with their parents before marriage, or the borrower and his spouse owns 65,438+0 property houses with their parents before marriage), it can be considered that the inquired house does not belong to the house of the borrower's family members. If the borrower has not yet established a marriage relationship, and the shared property house with his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the name of the borrower's family members.
The loan accepting institution shall, before determining the number of copies, inquire and confirm the housing registration information under the name of the borrower's family members who apply for housing provident fund loans through the Housing Situation Information Center of this Municipality. For the property housing owned by the borrower or the borrower's spouse and their parents, the time of property registration should be earlier than the time of marriage registration of the borrower.
5. The applicant's family scope is limited to the applicant, spouse and minor children.
Second, the ordinary housing appraisal:
According to Shanghai's ordinary housing standards, the construction area of ordinary housing is below 140 square meters, the actual price of housing transactions within the inner ring line is less than 4.5 million yuan/set, the actual price of housing transactions between the inner ring line and the outer ring line is less than 3/kloc-0.0 million yuan/set, and the actual price of housing transactions outside the outer ring line is less than 2.3 million yuan/set.
Third, the down payment ratio:
1. For the first housing loan, if the construction area of the purchased house is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20%; If the construction area of the purchased house is more than 90 square meters, the down payment ratio shall not be less than 30%.
2, apply for a second set of improved housing loans, the purchase of housing for ordinary housing, the down payment ratio is not less than 50%; If the purchased housing is non-ordinary housing, the down payment ratio shall not be less than 70%.
3. If applying for portfolio loans, it shall also meet the down payment ratio requirements of commercial loans in portfolio loans.
Four. Loan amount:
The amount of provident fund loans shall meet the following quota standards at the same time:
1, not higher than the loan amount determined by the borrower and the balance multiple of the borrower's housing provident fund account (the balance multiple of the basic housing provident fund account is 30 times, and the balance multiple of the supplementary housing provident fund account is 10 times);
2. It shall not be higher than the total house price remaining after deducting the specified proportion of down payment;
3. Not higher than the loan limit determined by the repayment ability of the applicant and the borrower (the monthly repayment amount of the provident fund loan of the applicant and the borrower shall not exceed 40% of the monthly salary base);
4, not higher than the city's maximum loan limit:
(1) The first housing loan, with the maximum loan amount of 500,000 yuan for individuals and 654.38+00,000 yuan for families;
(2) The second set of improved housing loans, with a maximum loan amount of 400,000 yuan for individuals and 800,000 yuan for families;
(3) If the housing provident fund is replenished, the maximum personal loan amount will increase by 654.38+10,000 yuan, and the maximum family loan amount will increase by 200,000 yuan.
5. Other factors affecting the loan amount.
Verb (abbreviation for verb) loan term:
The longest loanable period is the following minimum:
1. The longest term of provident fund loans shall not exceed 5 years after the applicant's statutory retirement age (statutory retirement age: 60 years for men and 55 years for women);
2, the purchase of first-hand housing, provident fund loans for a period of not more than 30 years;
3. Buy a second-hand house:
(1) If the purchase age is less than 5 years (including 5 years), the term of provident fund loan shall not exceed 30 years;
(2) If the purchased house is between 6 years and 19 years, the term of provident fund loan shall not exceed the difference between 35 years and the age of the house;
(3) If the house is purchased for more than 20 years (including 20 years), the term of the provident fund loan shall not exceed 15 years.
Intransitive verb loan interest rate:
1. If it is recognized as the first housing loan, the interest rate of provident fund loan is the benchmark interest rate of individual housing provident fund loan announced by the People's Bank of China;
2. For the second set of improved housing loans, the interest rate of provident fund loans is 1. 1 times the benchmark interest rate of individual housing provident fund loans announced by the People's Bank of China.
Seven. Repayment method:
1. Monthly repayment method of equal principal and interest: the repayment method in which the total amount of loan principal and interest repaid by the borrower is unchanged every month, but the loan principal increases month by month and the loan interest decreases month by month.
The formula is:
2. Monthly average principal repayment method: the repayment method in which the borrower repays the principal at a fixed monthly rate and the loan interest decreases month by month.
The formula is:
Housing loan policy
In cities that do not implement the "purchase restriction" measures, households purchase commercial personal housing loans for ordinary housing for the first time. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places. For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%. The latest circular of the central bank 202 1 makes it clear that the individual housing loan policy is still implemented according to the original regulations for cities that implement the "purchase restriction" measures. On this basis, the agencies of the People's Bank of China and the China Banking Regulatory Commission should strengthen communication with local governments in accordance with the principle of "classified guidance and local policies", and guide the self-discipline mechanism of interest rate pricing in provincial markets to independently determine the minimum down payment ratio of commercial personal housing loans within their respective jurisdictions in combination with the actual conditions of different cities. The above is the housing loan policy, please adopt it.
New housing loan policy
If you apply for personal housing commercial loans in China Bank, it is recommended that you directly consult the local business outlets in detail about the down payment ratio.
The above contents are for your reference. Please refer to the actual business regulations.
New Deal for Second Home Loan in 2022
When buying a house by loan, the housing provident fund loan has the nature of policy subsidy, and the loan interest rate is very low. When handling mortgage, insurance and other related procedures, the housing provident fund loan fee will be halved. The balance of bank deposits accounts for not less than 30% of the funds needed for housing purchase, which can be used as the down payment for housing purchase. If there are assets recognized by the loan bank as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities, they may apply for bank mortgage loans. The maximum amount of provident fund loans is generally 6.5438+0-290,000 yuan. If it exceeds this limit, the insufficient part should apply to the bank for commercial housing loans.
I individual housing loan conditions
1, with legal identity.
2, a stable economic income, good credit, the ability to repay the loan principal and interest.
3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.
4. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a construction area of less than 90 square meters), and guarantee to pay the down payment for the purchased houses.
5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.
6. Other conditions stipulated by the lending bank.
Second, what should I pay attention to when buying a house with a mortgage loan?
1. Apply for the loan amount according to your own ability.
2. Choose a good loan bank for mortgage.
3. Choose the repayment method that suits you best.
The information provided to the bank should be true.
5. Provide my address accurately and timely.
6. Repay on time every month to avoid penalty interest.
3. What are the latest policies for the second home loan in 2022?
1. If you bought a suite with a loan before and the loan has not been settled, buying a house is also considered as two sets.
2. There are commercial loan records of two suites in the personal name, one of which has been paid off and the other has not been paid off. At this time, it is considered that refinancing to buy a house is more than two suites.
3. One spouse uses commercial loans to buy a house before marriage, and the other spouse uses provident fund loans before marriage. After marriage, the two want to borrow money in the name of husband and wife. If the loan has been paid off, buying a house can be regarded as the first suite. If the loan has not been paid off, buying a house can be considered as more than two suites.
4. If the buyer is going to get married but hasn't got a marriage certificate, one party has outstanding mortgage, and the other party doesn't have any property and mortgage records. If they buy a new house together, it will be a second suite.
In short, buying a house depends on direct demand. After all, everyone has different ideas. Some people want to invest, others want to live. It can be considered according to the direct actual situation. After all, the currency is expanding, and many people think that the money in their hands is worthless, so they will choose real estate investment.
Legal basis:
Provisions of the new civil code on real estate
Article 27 of the Supreme People's Court's Interpretation on the Application of Marriage and Family in the Civil Code of People's Republic of China (PRC):
If a house rented by one party before marriage and purchased with the same property after marriage is registered in the name of one party, it shall be recognized as the joint property of husband and wife.
Article 29:
Before the parties get married, if the parents contribute money to buy a house for both parties, the contribution shall be regarded as a personal gift to their children, except that the parents clearly indicate that it is a gift to both parties.
After the parties get married, if the parents contribute money to buy houses for both parties, it shall be handled in accordance with the agreement; If there is no agreement or the agreement is unclear, it shall be handled in accordance with the principle stipulated in Item 4, Paragraph 1, Article 1062 of the Civil Code.
Article 32:
Before marriage or during the marriage relationship, the parties agreed to give the property owned by one party to the other party or * * *, and the donor revoked the gift before the registration of the change of the donated property, and the other party requested an order to continue the performance, the people can handle it according to the provisions of Article 658 of the Civil Code.
Article 76:
1. If both parties claim the ownership of the house and agree to bid, it shall be allowed;
2. If one party claims the ownership of the house, the evaluation institution shall evaluate the house according to the market price, and the party that obtains the ownership of the house shall give the other party corresponding compensation;
3. If neither party claims the ownership of the house, the house shall be auctioned or sold according to the application of the parties, and the income shall be divided.
Article 77:
At the time of divorce, both parties have disputes over the house that has not yet obtained ownership or full ownership. If negotiation fails, it is not appropriate for the people to judge the ownership of the house, but the parties should decide according to the actual situation.
After the parties have obtained the full ownership of the house specified in the preceding paragraph, if there is any dispute, they may bring a lawsuit to the people's court separately.