Legal analysis: (1) The borrower has an urban hukou; (2) The borrower and his unit have paid the housing provident fund in full and on time in this city for more than one year; (three) have a stable professional income, good credit and the ability to repay the principal and interest of the loan; (four) there is a legitimate purchase contract or agreement, and there is a prescribed proportion of self-raised funds; (5) Having assets specified in the Civil Code as mortgage or pledge of loans; (6).
The applicant has continuously paid the housing provident fund for more than half a year (inclusive), and the provident fund account is in a normal state of payment;
The applicant is qualified to purchase houses in Beijing;
There is no outstanding provident fund loan under the name of the applicant's husband and wife;
Retirees have paid housing provident fund before retirement. The amount of Beijing provident fund loans is: the maximum amount of individual housing provident fund loans is 600,000, and the maximum amount of husband and wife provident fund loans is 654.38+00,000.
When applying for a provident fund loan, the loan applicant shall meet the following conditions: 1. If the loan applicant applies for a loan and has continuously paid the housing provident fund for more than half a year and his housing provident fund account is in a normal state, and the retirees have paid the housing provident fund before retirement, the loan applicant must have the qualification to purchase houses in Beijing, and the loan applicant has no housing loan record and no housing in this city, it shall be handled according to the first home loan policy; 5. Anyone who does not belong to the first suite and is approved as the second suite shall be handled according to the second suite loan policy. 6. If there are two or more houses approved, no loans will be granted. Loan amount: the annual loan is RMB 6,543,800+,and if the maturity is less than RMB 6,543,800+0, the maximum loan is RMB 6,543,800+2,000. If the loan applicant is married, the loan amount shall be calculated by the long-term paying spouse.
Legal basis: Article 12 of the Regulations on the Management of Housing Provident Fund in People's Republic of China (PRC), in accordance with the relevant regulations of the People's Bank of China, designates a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank), and the housing provident fund management center entrusts the entrusted bank with the financial business of housing provident fund loans and settlement, the establishment, deposit and return of housing provident fund accounts, etc. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.
Beijing Provident Fund Loan Policy in 2022
1. The applicant must pay the provident fund continuously in Beijing for more than half a year.
Two, one of the spouses has applied for housing provident fund loans, before the loan principal and interest paid off, both spouses are not allowed to obtain housing provident fund loans. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
Three, housing provident fund loans are limited to the purchase, construction, repair and overhaul of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Workers who purchase houses with the right to use cannot apply for housing provident fund loans.
Four, housing provident fund loan applicants should be equivalent to the purchase of housing prices more than 20% of self-raised funds; Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.
Category:
The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.
(Note: Not all provident fund centres provide the above-mentioned loans. Please consult the local housing provident fund management institution first. )
Features:
Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.
What is the amount of Beijing provident fund loan in 2022? How to calculate the amount of provident fund loans?
What is the amount of Beijing provident fund loan in 2022? How to calculate the amount of provident fund loans?
loan limit
From September 20 17 18, the loan amount of Beijing provident fund:
If the term of deposit is less than 1 a whole year, the maximum loan can be 1 .2 million according to the calculation of1a whole year.
If the loan applicant is married, the loan amount shall be calculated by the long-term paying spouse.
Under what circumstances can the loan amount rise?
1. If the household registration of the loan applicant is in Dongcheng District or Xicheng District of Beijing, the loan amount can be increased by up to 200,000 yuan to 6,543.8+0.4 million yuan when purchasing the first home outside the six districts of Beijing (Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai and Shijingshan);
2. If the loan applicant's household registration is in Chaoyang, Haidian, Fengtai and Shijingshan District, the maximum loan amount can be increased by 6.5438+0.3 million yuan to 6.5438+0.3 million yuan;
3. If it does not belong to the above two situations, buy the first house with a maximum loan amount of 6,543,800+0.2 million.
4. If the second home loan is qualified, the maximum loan amount is 600,000 yuan.
Note: The maximum loan amount of the second home loan is reduced from 800,000 yuan to 600,000 yuan.
Calculation formula of provident fund loan amount
The loan amount = (individual monthly deposit amount/deposit ratio-minimum living guarantee amount)/the monthly average repayment coefficient corresponding to the loan term is for reference only. Please consult relevant departments for details!
New rules of Beijing housing accumulation fund
New rules of Beijing housing accumulation fund
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
How to define the first suite or second suite for provident fund loans? What do you mean by "recognizing the house and recognizing the loan"?
If there is no housing loan record (including commercial loans and provident fund loans) under the name of the family buying a house and there is no housing in this city, it shall be handled according to the first home loan policy; Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy. If there are two or more houses approved, no loans will be granted.
"House" refers to the house of the loan applicant in Beijing. "Loan" refers to the nationwide personal housing loan records in the credit information system of the People's Bank of China, including commercial housing loan records and housing provident fund personal housing loan records.
When applying for provident fund loans, how to define the loan amount that can be applied for? What is the biggest application?
The New Deal stipulates that the provident fund can borrow 6,543,800 yuan per year, and if the deposit period is less than 654.38+ 0, the maximum loan can be 6,543,800 yuan according to 654.38+0.
In other words, an employee who has already paid the provident fund can only borrow 654.38+10,000 yuan in the first year when he has just joined the work and paid the provident fund. Then it will increase by 654.38+ten thousand yuan every year. When he pays with 12, he can get a loan of10.2 million yuan. If the deposit period is less than 1 whole year, it shall be calculated as 1 whole year. In other words, when you deposit it in 1 year 1 month, it is considered that you have saved it for 2 years and can borrow 200,000 yuan.
If the loan applicant is married, the loan amount shall be calculated by the long-term paying spouse. In other words, a husband can only borrow 700,000 yuan for 7 years and a wife for 5 years.
How long does the housing provident fund loan last? Are there any requirements for the borrower's income?
This provident fund loan has adjusted the loan term. The longest loan term of a loan applicant can be calculated to be 5 years after the legal retirement age of the loan applicant, and in principle it is not more than 65 years old. If the loan applicant is married, the loan term shall be calculated according to the longer of the husband and wife.
In addition, the New Deal stipulates that under the premise of deducting the basic living expenses, the monthly repayment amount calculated by the equal principal and interest repayment method shall not exceed 60% of the borrower's monthly income, and the loan amount and loan term shall be determined. According to the adjusted standards, it can truly reflect the repayment ability of loan applicants and reduce the repayment pressure of loan applicants.
What is the down payment ratio of provident fund loans?
The down payment ratio is no longer uniform: 20% for ordinary houses, 35% for second houses and 80% for non-ordinary houses.
Whether the first suite or the second suite will directly affect the down payment ratio. The down payment ratio of provident fund loans for house purchase will vary according to the nature of the house:
From low to high, the down payment ratio for purchasing affordable housing is not less than 20%;
Purchase the first set of property housing and other policy housing, the down payment ratio shall not be less than 30%;
The down payment ratio of the first set of ordinary self-occupied housing other than policy housing is not less than 35%;
The down payment ratio of the first set of non-ordinary self-occupied housing other than policy housing is not less than 40%;
For the purchase of ordinary self-occupied housing and the second set of housing, the down payment ratio shall not be less than 60%;
If you buy a second set of non-ordinary housing, the down payment ratio shall not be less than 80%.
Beijing provident fund loan amount
1. The loan amount of the new provident fund loan policy is linked to the borrower's housing provident fund deposit period. The term of deposit is less than 1, the term of deposit is less than 1, and the maximum loan is 1.2 million yuan. If the loan applicant is married, the loan amount shall be calculated by the long-term paying spouse. 2. If the loan applicant's household registration is in Dongcheng District or Xicheng District of Beijing, he can purchase the first home outside Dongcheng District, Xicheng District, Chaoyang District, Haidian District, Fengtai District and Shijingshan District (hereinafter referred to as Chengliu District), and the maximum loan amount can be increased by 200,000 yuan; 3. For those who do not belong to the former situation, but the loan applicant's household registration is in the sixth district of the city, the first house can be purchased outside the sixth district of the city, and the maximum loan amount can be increased by 654.38+10,000 yuan; If it does not belong to the above two situations, the first house will be purchased, and the maximum loan amount is 6.5438+0.2 million yuan. 4. If the loan applicant's household registration is in Dongcheng District or Xicheng District of Beijing, and the first home is purchased outside the sixth district of Beijing, the maximum loan amount can be increased to 6.5438+0.4 million yuan; For those who do not belong to the former situation, but the household registration of the loan applicant is in the sixth district of the city, the maximum loan amount can be increased to 6.5438+0.3 million yuan if the first house is purchased outside the sixth district of the city. 5. The maximum loan amount for the second home loan is 600,000 yuan.
skill
The above answer is only for the current information combined with my understanding of the law. Please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.