The following is the original notice:
Notice on matters related to personal housing provident fund loans
Direct salaried employees:
According to the spirit of the document notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China (J.J. [20 14] 148), referring to the resolution of the 36th meeting of Zhengzhou Housing Provident Fund Management Committee, combined with the actual situation of this province, our center makes the following adjustments to the relevant matters of individual housing provident fund loans:
First, increase the maximum loan amount.
In line with the loan conditions of the provincial center, if the borrower himself or both husband and wife deposit the provident fund in the province, the maximum loan amount for the family unit will be adjusted to 600,000 yuan.
Second, reduce the down payment ratio.
(a) employees to buy other housing except the stock of commercial housing.
1. When an employee's family purchases the first house, the down payment ratio of the loan shall not be less than 20% of the house price.
2. Workers' families already own a house, and if they use provident fund loans to buy a second house, the down payment ratio of the loan shall not be less than 30% of the house price.
(2) Employees purchase existing commercial houses.
1. Workers' families buy houses for the first time.
(1) 10 years, the down payment ratio of the loan shall not be less than 20% of the transaction price and 30% of the appraisal price;
(2) For houses completed more than10, the down payment ratio of the loan shall not be less than 30% of the transaction price and 40% of the appraisal price.
2. Workers' families buy a second house.
(1) 10 years, the down payment ratio of the loan shall not be less than 30% of the transaction price and not more than 40% of the appraisal price;
(2) For houses completed more than 0/0 years ago, the down payment ratio of the loan shall be no less than 40% of the transaction price and no less than 50% of the appraisal price.
(three) did not buy the third and above housing, has used the provident fund loan twice or the last provident fund loan is not settled.
Third, simplify the loan processing procedures.
1. If the deposit base is not much different from the actual income of the borrower, spouse and * * *, the deposit base of the provident fund shall be directly used instead of the income certificate, and the monthly repayment amount shall not exceed 70% of the total deposit base;
2. If the borrower is unmarried, remarried and buys a house independently (no owner), the deposit base of the provident fund will be directly used without proof of income, and the monthly repayment amount will not exceed the deposit base of the borrower;
3. If the deposit base of the borrower, spouse and * * * owner is quite different from the actual income, the income certificate can be supplemented, and the monthly repayment amount does not exceed 50% of the family income (including * * * owners) and does not exceed the sum of the deposit base;
4. If the borrower's spouse or * * * has not paid the housing provident fund, he must provide proof of income, and the monthly repayment amount shall not exceed 50% of the family income (including * * *), and shall not exceed the borrower's deposit base.
Fourth, adjust the loan term of the stock house.
The borrower purchases the stock commercial housing that has not been built for more than 20 years, and the longest loan period is not more than 20 years;
The borrower purchases the existing commercial housing that has been built for more than 20 years, and the longest loan period shall not exceed 15 years.
The sum of the loan period for the borrower to purchase the existing commercial housing and the completion time of the housing shall not exceed 40 years at the longest.
Five, continue to handle the "business-to-business" business.
Considering the actual loan demand of provincial employees, we will continue to handle the business of "business to public".