Changsha provident fund loan conditions:
1. The housing provident fund account is normal, and it has been deposited normally for nearly 12 months.
2. Workers' families have not applied for provident fund loans, and if they have, they need to settle the provident fund loans.
3. Workers' families did not apply for housing provident fund to purchase this house in our city.
4. Employees and their spouses have no record of provident fund loans for more than 2 times.
5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.
Loan interest rate and term:
At present, Changsha housing provident fund loan interest rate is:
Interest rate for the first suite: 2.6% within 5 years (inclusive) and 3.1%for more than 5 years;
Second-home interest rate: 3.025% within 5 years (inclusive) and 3.575% over 5 years.
The personal loan period of provident fund is not less than 1 year and not more than 30 years. In addition, the loan period shall not exceed five years from the time of applying for the loan to the statutory retirement age; The loan period shall not exceed the remaining service life of the house stipulated by the state.
Loan amount:
The maximum loan amount of Changsha provident fund loan is 700,000; The maximum loan amount of employee family housing provident fund with three children will be raised to 800,000 yuan.
At the same time, the loan amount is closely related to the balance of the personal provident fund account, and the specific calculation formula is:
Loan amount = (employee housing provident fund account balance+spouse housing provident fund account balance) ×n multiple.
The current n times of Changsha is 16.
Loan down payment ratio:
When buying a house in Changsha, the down payment ratio is about 10% lower than the provident fund loan, which greatly lowers the threshold for buying a house.
Proportion of combined loan provident fund:
When buying a house for the first time, the down payment ratio for applying for a housing provident fund portfolio loan shall not be less than 30%;
The down payment ratio of the second-home portfolio loan is not less than 40%, and the interest rate rises 10%.
Cooperative cities for off-site loans:
The three cities of Changsha, Zhuzhou and Xiangtan have integrated provident funds, and enjoy data such as deposit and withdrawal loans. They are no longer restricted by handling in different places and serve in the same city.
At the same time, the cooperative cities of regional provident fund loans in Hunan and Jiangxi provinces will be opened: Changsha, Zhuzhou, Xiangtan, Yueyang, Chenzhou, Pingxiang, Ji 'an, Yichun, Ganzhou and Jiujiang.
Plus 19 cities that signed the "Cooperation Convention on Housing Provident Fund Management Center of Changsha Midstream Urban Agglomeration", at present, 23 cities in China can use the provident fund to buy houses in Changsha.
Q: Other cities in Hunan have paid the provident fund. Can I use provident fund loans to buy a house in Changsha?
A: Yes, employees who normally pay the housing provident fund in other places, prefectures and cities in the province can apply for loans from different places to the provincial sub-centers.
Q: Can Changsha provident fund loans be superimposed by husband and wife?
Answer: If the account status of employees and their spouses in Changsha Provident Fund Center (including railway sub-center) is normal and has been deposited regularly for nearly 12 months, the loan amount can be calculated according to the account balance. If the spouse's housing provident fund account is in a normal state and has been deposited normally for nearly 3 months, it can be presumed that the deposit base is monthly income. If social insurance has been paid normally in the past three months, it can be presumed that the base of payment is monthly income.