Chongqing first-hand housing provident fund loan amount and term
1, maximum limit
The maximum loan ratio of individual provident fund loan is 80% of the total house purchase price, of which the maximum loan fund of individual provident fund does not exceed 400,000 yuan, and it does not exceed 1.5 times (600,000 yuan) after participating in the loan.
2. Loan amount
The actual loanable amount of the borrower must meet the following conditions:
(1) Loan amount of individual provident fund loan = 50% of the sum of the borrower's monthly income × loan period (month);
(2) The loanable amount of housing provident fund funds in individual provident fund loans = the sum of the balance of housing provident fund accounts of borrowers and spouses × 25;
(3) If the construction area is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20% (inclusive); If the construction area is 90- 144 square meters (inclusive), the down payment ratio shall not be less than 30% (inclusive); The building area exceeds 144 square meters. The down payment ratio shall not be less than 40% (inclusive).
The actual loan amount needs to be determined according to the borrower's credit, housing unit price and other comprehensive factors in the loan review process.
3. Term of the loan
The longest loan period of personal provident fund loans is not more than 30 years, and the longest repayment maturity period is 10 year after the borrower's statutory retirement age.
Second, Chongqing second-hand housing provident fund loan amount and duration
1, maximum limit
The maximum loan amount of provident fund second-hand housing loan is 70% of the lower value and turnover of the purchased second-hand housing, of which the maximum personal loan amount of provident fund does not exceed 400,000 yuan, and does not exceed 1.5 times (600,000 yuan) of the maximum personal loan amount after participating in the loan. The maximum amount shall also meet the following requirements:
(1) If the service life of the house is 6-10 years (including 10 years), the loanable amount shall not exceed 60% of the appraised value and turnover of the purchased second-hand house;
(2) If the service life of the house is 10-15 (including 15), the loanable amount shall not exceed the lower 50% of the appraised value and turnover of the purchased second-hand house.
2. Loan amount
The actual loanable amount of the borrower must meet the following conditions:
(1) Total personal loan of provident fund = sum of monthly income of the borrower ×50%× loan period (month);
(2) The loanable amount of housing provident fund funds in individual provident fund loans = the sum of the balance of housing provident fund accounts of borrowers and spouses × 25;
(3) If the construction area is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20% (inclusive); If the construction area is 90- 144 square meters (inclusive), the down payment ratio shall not be less than 30% (inclusive); If the construction area exceeds 144 square meters, the down payment ratio shall not be less than 40% (inclusive).
The actual loan amount needs to be determined according to the borrower's credit, housing unit price and other comprehensive factors in the loan review process.