In order to strengthen the management of housing provident fund loans, the Municipal Housing Provident Fund Management Committee revised the Measures for the Management of Individual Housing Provident Fund Loans in Tianjin (No.7 of Tianjin Provident Fund Committee [2018]), which came into effect on February 20021year.
Amount, term and interest rate of provident fund loans:
1, employees who purchase the first set of self-owned housing or public housing property rights shall pay a down payment of not less than 30% of the housing transaction price; A down payment of not less than 60% of the housing transaction price should be paid for the purchase of a second set of self-owned housing.
The loan amount is not higher than the housing transaction price (private housing is the lower of the housing transaction price and the approved value of the municipal housing provident fund management center) minus the down payment amount specified in the preceding paragraph; Among them, the purchase of affordable housing, the loan amount should not be higher than the difference between the housing transaction price and housing compensation.
2. The loan amount is not higher than the amount determined by the balance multiple of the housing provident fund account.
If the first set of self-owned housing is purchased, the loan amount shall not be higher than 20 times of the balance of the housing provident fund account (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it shall be the sum of the balance of the employee's and spouse's housing provident fund account, the same below). If the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan. If the second set of self-owned housing and public housing property rights are purchased, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account, and if the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.
3. The loan amount shall not be higher than the amount determined according to the formula for calculating the repayment ability of employees (employees and spouses). The specific formula is as follows:
[(total monthly salary+monthly contribution of unit housing provident fund) × repayment ability coefficient-monthly repayment amount of existing loans ]× loan periods (months)
Among them, the repayment ability coefficient is 40%, and the monthly repayment amount of existing loans is the monthly repayment amount of loans in personal credit report.
4, the loan amount is not higher than the maximum amount of housing provident fund loans.
If you purchase the first set of self-owned housing, the maximum loan amount is 800,000 yuan; If you buy a second self-owned house, the maximum loan amount is 400,000 yuan.
5. The amount of a single housing provident fund loan shall be calculated according to the minimum value specified in +0 to 4 in Article 65438th of these Measures.
6. The loanable amount calculated in accordance with these Measures shall be kept to thousands.
7, the purchase of commercial housing, price-limited commercial housing, affordable housing, the longest loan period is 30 years; The purchase of private housing, the longest loan period is 20 years; For the purchase of public housing property rights, the longest loan period is 10 year.
The sum of the employee's age and the loan application period shall not exceed 5 years after the statutory retirement age (unless otherwise stipulated by the state, it shall not exceed 5 years after the extension of retirement age, and the longest shall not exceed 70 years old).
8. The loanable term and amount of the housing provident fund loan shall be determined according to the date when the loan bank submits the employee application to the municipal housing provident fund management center.
9, housing provident fund loan interest rates in accordance with the relevant provisions of the state.
10, housing provident fund loans shall not be issued to employees who purchase third or above houses.