There is no record of using the housing provident fund, and at least one person has continuously paid the housing provident fund for 2 years before applying for the housing provident fund loan. The loan amount is calculated at 20 times of the sum of the balances of eligible applicants. (Employees who purchase affordable housing, regardless of whether they have use records, are still calculated at 20 times the balance of the provident fund)
If the borrower does not meet the requirements of the 20-fold calculation rule, it shall be calculated as 6 times the sum of the balance of the provident fund.
In addition to special talents, the maximum loan for a single person is 300,000, and the maximum loan for a couple is 600,000.
Changzhou commercial loan: Changzhou's commercial loan policy is relatively loose nationwide, with stable income and no bad credit record, which meets other loan conditions. However, in terms of the loan difference between the first suite and the second suite, Changzhou only recognizes loans and does not recognize houses.
1. If there is no record of housing loan (business or provident fund) in Changzhou or other cities, you can buy a house in Changzhou, which is your first time to buy a house;
2. If there is a mortgage record in Changzhou or other cities, but it has been paid off, buying a house in Changzhou can be regarded as the first suite;
3. Buying a suite in Changzhou or other cities has not paid off the loan, and buying a house in Changzhou is considered as a second suite;
If you have not paid off more than two sets of housing loans in Changzhou or other cities, you can't buy a house in Changzhou, but you can only pay it in one lump sum.
At present, the mortgage interest rate of Changzhou commercial loans has implemented the LPR basis point standard. At present, the implemented LPR is 1 year LPR3.85% and 5-year LPR4.65% (the new LPR implementation title is announced on the 20th of each month). At present, the first set of pure commercial loans increased by banks in Changzhou is about 50 basis points, and the second set is based on 10-30 basis points.
Legal basis:
Article 2 14 of the civil code
The establishment, alteration, transfer and extinction of the real right of real estate that should be registered according to law shall take effect when it is recorded in the real estate register.
Article 2 15
A contract concluded between the parties on the establishment, alteration, transfer and elimination of the real right of immovable property shall come into effect upon the establishment of the contract, unless otherwise provided by law or agreed by the parties; Failure to register the real right shall not affect the validity of the contract.