The applicant and the respondent shall meet the following conditions:
The employee himself is the applicant for provident fund loan, and the spouse is the same applicant; Parents who deposit housing provident fund in this city may be the same applicant.
Except for spouses, parents and children, employees cannot apply for provident fund loans with the houses purchased by all others.
Employees who purchase affordable housing and commercial housing (residential) and apply for provident fund loans shall meet the following conditions:
1. The applicant and * * who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time for 6 months before the month of application (the month of overdue payment is not counted as 6 months), and the application is in a normal payment state; (* * * If the applicant participates in quota calculation, the above conditions also need to be met. Those who do not meet the above conditions can only be the same applicant as * * *, but do not participate in the quota calculation).
2. The applicant and * * * the same applicant have no provident fund loan or have paid off the provident fund loan in this city; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city;
3. The applicant and those who participate in the calculation of the loanable amount of the provident fund loan have the ability to repay the principal and interest of the loan and have a good credit status;
4. The applicant has paid the down payment for the house purchase as required;
5. The applicant provides a guarantee that meets the requirements of these Provisions;
6. The loan application meets the requirements of national, provincial and municipal real estate market management policies;
7. Meet other conditions stipulated by the provident fund management committee.
Down payment ratio of provident fund loans:
1) If an employee's family purchases the first set of housing below 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20%;
2) If the first set of housing area is more than 90 square meters, the down payment ratio shall not be less than 30%;
3) The down payment ratio for purchasing the second suite shall not be less than 60%;
4) Those who apply for provident fund portfolio loans must also comply with the credit policies of commercial banks.
Note: When the loan applicant applies for provident fund loan, the number of housing units is calculated based on the applicant and the family with the largest number of housing units under the applicant's name. Finally, the number of existing housing units is determined by the family with the largest number of housing units of the loan applicant's family (family members include both husband and wife and minor children).
Loan currency and loanable amount:
The loanable amount of the provident fund loan is 12 times of the balance of the applicant and the applicant's housing provident fund account, and meets the following requirements:
1. The monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are * * * applicants and * * * applicants who have paid housing provident fund in this city, the deposit base of housing provident fund is the sum of the deposit base of themselves and * * * applicants (parents can be * * * applicants).
2. Not higher than the difference between the total purchase price and the down payment. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.
If the area of the first suite purchased by employees is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20% of the total purchase price; For the first house with an area of more than 90 square meters, the down payment ratio shall not be less than 30% of the total purchase price, and the down payment ratio for the second house shall not be less than 60% of the total purchase price. You can't apply for a provident fund loan to buy a third house. (The loans of portfolio lenders are handled according to the policies of commercial banks)
3. Not higher than the maximum amount of a single housing provident fund loan. For individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan. If the applicant and * * * jointly apply with the applicant and * * * participate in the calculation of the quota, the maximum amount of a single housing provident fund loan is 900,000 yuan (if the applicant's spouse has not paid the provident fund or has paid the provident fund continuously for less than 6 months and can only be regarded as the same as the applicant, the maximum amount of the loan is 500,000 yuan).
4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met (approved by the center).
Loan term:
The term of the provident fund loan shall be in years, and the longest loan period shall not exceed 360 periods (30 years), and the sum of the loan period and the actual age of the employee (applicant) when applying for the loan shall not exceed 70 years. If it is a business-to-business loan, that is, the sum of the repaid loan period of the original commercial housing mortgage loan and the business-to-business loan period does not exceed 30 years.
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