Compared with loans, housing provident fund loans save money. When a friend with provident fund loans to buy a house, the first thing that comes to mind is the provident fund loan. So what are the loan conditions of Jinan provident fund? What is the maximum loan amount?
(1) Employees who have established a provident fund system and paid the housing provident fund in full at the time of loan 12 months or more; (2) Have a stable occupation and income, good credit, and the ability to repay the principal and interest on time; (3) There is a legal purchase contract or agreement, and the borrower must be the property owner agreed in the purchase contract; The purchased house is a legal property within the administrative area of Jinan; (4) The down payment ratio for applying for personal housing provident fund loan to purchase the first house is: 20% for the down payment with a construction area of less than 90 square meters, and 30% for the down payment with a construction area of more than 90 square meters; (5) If you buy a second house and apply for provident fund personal housing loan, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1. 1 times of the housing provident fund loan interest rate in the same period; (6) Agree to use the purchased house as collateral or provide other guarantee methods recognized by the management center; (7) The Borrower and its co-borrower currently have no housing provident fund loan balance; (8) It is forbidden to issue housing provident fund personal housing loans to paid workers' families who purchase third or above houses.
20 12 The new housing provident fund policy in Jinan, which was implemented on June 8, adjusted the use of provident fund loans to purchase houses from four aspects: the loan ceiling, the calculation method of loanable amount, the time of continuous deposit of provident fund and the differentiated credit policy.
Among them, the main contents include employees' families who have paid provident fund for two or more people, and the amount of provident fund loans remains unchanged at 500,000 yuan. The maximum loan amount for employees' families who have paid the housing provident fund for one person has been adjusted from the previous 500,000 yuan to 250,000 yuan; The way to confirm the loan amount is reduced from the previous two ways to one way, that is, the balance of the provident fund account of the borrower and the co-payer? 15; The conditions for borrowers to apply for provident fund loans have been raised from 6 months of continuous provident fund deposit to 12 months. In addition, the provident fund loan adopts a differentiated credit policy, and the down payment ratio of the first suite with a construction area of less than 90 square meters is reduced from 30% to 20%, and the down payment ratio of the self-occupied house with a construction area of more than 90 square meters is 30%; The down payment ratio of the second housing provident fund personal housing loan will be increased from 30% to 60%, and the loan interest rate shall not be lower than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period.
According to industry insiders, the adjustment of Jinan's provident fund loan policy has further reduced provident fund loans. Although the down payment ratio of the first suite below 90 square meters is reduced by 10%, the reduction of the provident fund loan limit, the adjustment of the calculation method and the extension of the deposit time requirement will reduce the amount of provident fund loans for young buyers, and the purchase time may be delayed. In the current market situation, it will play a certain role in inhibiting the release of some rigid demand. .