Second, the loan amount
(1) According to the regulations of Jiaxing Housing Provident Fund Management Committee, when employees apply for housing provident fund loans when they buy self-occupied houses, if both husband and wife meet the conditions of provident fund loans, the current ceiling of family provident fund loans is 350,000 yuan; Only one spouse or single employee meets the conditions of provident fund loans, and the maximum amount of family provident fund loans is 250,000 yuan.
(2) The purchase of commercial housing shall not exceed 70% of the total house price; If the purchased commercial house is finely decorated, the maximum price shall not exceed 40% of the total house price; The maximum amount of purchasing second-hand commercial housing shall not exceed 50% of the total house price, and the total house price shall be subject to the lower of the transaction price and the evaluation price (taxable value).
(3) At the same time, the loan amount shall not exceed the total value of the house minus the amount of provident fund drawn by the purchaser and relevant personnel for this house purchase.
(4) If parents and adult lineal children are co-owners, they can jointly apply for housing provident fund loans if they meet the conditions of housing provident fund loans. The co-owners who apply for housing provident fund loans are temporarily limited to parents and adult lineal children (within two generations), and they are all borrowers of loan contracts; Second, the loanable amount is calculated and determined according to the number of people who normally pay the housing provident fund and the paid wage base, but it shall not exceed the maximum loan amount limit of the housing provident fund stipulated by this Municipality (the maximum loan amount of 1 person who meets the conditions of the provident fund loan is 250,000 yuan, and that of two or more people who meet the conditions of the provident fund loan is 350,000 yuan); Third, the legal or agreed co-owners of the purchased house must jointly sign and seal the loan contract.
Two, employees to buy finely decorated housing, the housing provident fund loan amount shall not exceed the purchase amount. ...
Second, the loan amount
(1) According to the regulations of Jiaxing Housing Provident Fund Management Committee, when employees apply for housing provident fund loans when they buy self-occupied houses, if both husband and wife meet the conditions of provident fund loans, the current ceiling of family provident fund loans is 350,000 yuan; Only one spouse or single employee meets the conditions of provident fund loans, and the maximum amount of family provident fund loans is 250,000 yuan.
(2) The purchase of commercial housing shall not exceed 70% of the total house price; If the purchased commercial house is finely decorated, the maximum price shall not exceed 40% of the total house price; The maximum amount of purchasing second-hand commercial housing shall not exceed 50% of the total house price, and the total house price shall be subject to the lower of the transaction price and the evaluation price (taxable value).
(3) At the same time, the loan amount shall not exceed the total value of the house minus the amount of provident fund drawn by the purchaser and relevant personnel for this house purchase.
(4) If parents and adult lineal children are co-owners, they can jointly apply for housing provident fund loans if they meet the conditions of housing provident fund loans. The co-owners who apply for housing provident fund loans are temporarily limited to parents and adult lineal children (within two generations), and they are all borrowers of loan contracts; Second, the loanable amount is calculated and determined according to the number of people who normally pay the housing provident fund and the paid wage base, but it shall not exceed the maximum loan amount limit of the housing provident fund stipulated by this Municipality (the maximum loan amount of 1 person who meets the conditions of the provident fund loan is 250,000 yuan, and that of two or more people who meet the conditions of the provident fund loan is 350,000 yuan); Third, the legal or agreed co-owners of the purchased house must jointly sign and seal the loan contract.
Third, do you need to pay off the refined decoration part when transferring commercial loans to provident fund loans?
Commercial loans must be paid off first. Commercial loans to provident fund loans need to be approved by the center first, and then the borrower will pay off all the original loans (including principal and interest) by means of self-financing, which will be used to mortgage the housing mortgaged by the original commercial loans and then used to mortgage the provident fund loans.
What are the conditions for transferring commercial loans to provident fund?
1. Units that need to issue commercial loans agree that when buying a house, property buyers will definitely apply for commercial loans through banks. Therefore, when buyers want to convert commercial loans into provident fund loans, they must communicate with banks, because commercial loans are issued by banks. If you want to convert them into provident fund loans, it means that banks will charge less interest, so everyone must go to the bank to understand the relevant procedures.
2. Meet the requirements of local provident fund loans: If buyers want to convert commercial loans into provident fund loans, they need to know the requirements of the local provident fund management center for loans. If buyers want to transfer commercial loans to provident fund, they must meet the requirements of provident fund management center. These requirements will vary in different places. How to implement it, buyers can implement it according to the rules and regulations of relevant local departments.
3. The purchased property has obtained the property ownership certificate: when the buyer converts the commercial loan into the provident fund loan, it is also required to show the property ownership certificate of the house purchased by the buyer. It is also a necessary process for buyers to turn commercial loans into provident fund loans, because banks need property certificates of buyers as collateral. In addition, we must have a stable income and continue to pay the provident fund. Of course, the specific situation needs to be implemented according to the policies of the local government.
Is it necessary to transfer commercial loans to provident fund?
1. If your commercial loan for buying a house is in the early stage of repayment, for example, the loan is 20 years, and now it is only 2-3 years, then it is necessary to transfer to the provident fund loan because it is more cost-effective.
If the repayment period is late, that is, it has been paid for more than ten years, it is unnecessary.
3. Except for the later repayment period, if you intend to pay off the loan in advance, there is no need to convert the commercial loan into a provident fund loan. Because commercial loans are generally converted into provident fund loans according to the contract of the original bank, they can only be converted into provident fund loans with the consent of the bank, and there will be certain expenses in the process of converting commercial loans into provident fund loans, so it is not cost-effective. Therefore, if you intend to repay in advance, there is no need to convert commercial loans into provident fund loans.
Four, employees to buy finely decorated housing, housing provident fund loan amount shall not exceed 40% or 50% of the total purchase price?
Second, the loan amount (1) According to the regulations of Jiaxing Housing Provident Fund Management Committee, when employees buy self-occupied houses and apply for housing provident fund loans, both husband and wife meet the conditions of provident fund loans. At present, the upper limit of family provident fund loans is 350,000 yuan; Only one spouse or single employee meets the conditions of provident fund loans, and the maximum amount of family provident fund loans is 250,000 yuan. (2) The purchase of commercial housing shall not exceed 70% of the total house price; If the purchased commercial house is finely decorated, the maximum price shall not exceed 40% of the total house price; The maximum amount of purchasing second-hand commercial housing shall not exceed 50% of the total house price, and the total house price shall be subject to the lower of the transaction price and the evaluation price (taxable value). (3) At the same time, the loan amount shall not exceed the total value of the house minus the amount of provident fund drawn by the purchaser and relevant personnel for this house purchase. (4) If parents and adult lineal children are co-owners, they can jointly apply for housing provident fund loans if they meet the conditions of housing provident fund loans. The co-owners who apply for housing provident fund loans are temporarily limited to parents and adult lineal children (within two generations), and they are all borrowers of loan contracts; Second, the loanable amount is calculated and determined according to the number of people who normally pay the housing provident fund and the paid wage base, but it shall not exceed the maximum loan amount limit of the housing provident fund stipulated by this Municipality (the maximum loan amount of 1 person who meets the conditions of the provident fund loan is 250,000 yuan, and that of two or more people who meet the conditions of the provident fund loan is 350,000 yuan); Third, the legal or agreed co-owners of the purchased house must jointly sign and seal the loan contract.