2. The applicant and the applicant who participated in the calculation of the loanable amount of the provident fund loan have paid the housing provident fund in full and on time for 6 months in this city before the month of application, and the application is in a normal state;
3. The applicant and * * * have no housing provident fund loans or have paid off housing provident fund loans in this city; If both or one of the applicant's parents is the same applicant, both parents have no housing provident fund loan or have paid off the housing provident fund loan in this city;
4. The applicant's application for early repayment of part or all of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;
5. The applicant or spouse is the right holder of the applicant's housing loan;
6. The applicant and the * * * who participated in the calculation of the loanable amount of the enterprise loan are consistent with the applicant, have the ability to repay the principal and interest of the loan, have no loans overdue records in the first six months of the month of application, and meet the credit status standards stipulated by the provident fund center;
7. It must be an existing house with real estate license. Buying a first-hand house can only be handled by providing other housing mortgages;
8. The loan application meets the requirements of national, provincial and municipal real estate market management policies. In case of policy adjustment in the process of loan processing, the time when the provident fund center accepts the loan application from the business to the public shall prevail.
First, commercial loans are transferred to provident fund loans.
Business-to-public loans refer to the activities of employees who have paid the housing provident fund in this city to apply for commercial housing mortgage loans to purchase commercial housing (residential housing only, the same below), policy housing and affordable housing within the administrative area of this city, but they have not paid off the original commercial housing mortgage loans and have the conditions for housing provident fund purchase loans, and use the housing provident fund purchase loans (hereinafter referred to as provident fund loans, including provident fund portfolio loans) to partially or fully repay the original commercial housing mortgage loans. .
Second, the customer loan amount
The loanable amount of the provident fund loan is 12 times of the balance of all applicants' housing provident fund accounts participating in the quota calculation, and meets the following requirements:
1, which is not higher than the maximum loan amount for a single housing company. For individual employees, the maximum amount of corporate loans for a single housing company is 500,000 yuan. The applicant and * * * jointly apply, and * * * and the applicant meet the provisions of Article 5 of these Provisions, and the maximum amount of a single housing business loan is 900,000 yuan.
2. Not higher than the original mortgage loan balance of commercial housing.
3. Monthly repayment amount (i.e. monthly payment). The principal and interest calculated by the matching 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 the housing provident fund in this city, the deposit base of the housing provident fund is the sum of the deposit base of the applicant and himself.
4. Not higher than the loan amount calculated according to the loanable ratio of the loan. The applicant takes the housing purchase contract price of the applicant's public loan as the total housing price, determines the loanable ratio of the loan according to the down payment ratio stipulated by the state, and then determines the housing loan amount. At present, the loan ratio is 80% for the first set below 90 square meters, 70% for the first set above 90 square meters, 40% for the second set, and loan applications are not accepted for the third set and above. The Municipal Housing Provident Fund Management Committee (hereinafter referred to as the Provident Fund Management Committee) may make a separate assessment and decision on the housing value that the applicant has transferred to the public according to the real estate market and risk control in this Municipality.
5. If the applicant uses other commercial houses (except the houses that the applicant has turned to public loans) or commercial houses of a third party as collateral according to these measures, the loanable amount shall not be higher than 70% of the assessed value of the collateral; If the applicant pledges the certificate of rights in accordance with these Measures, the loanable amount shall not be higher than 90% of the value of the certificate of rights. The assessment fee shall be borne by the applicant. (The pledge guarantee is acceptable for the time being, and we need to wait for the second phase of system development. )
Legal basis:
Regulations on the administration of housing provident fund
Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.
Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.
Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.