The first set of Wuhan provident fund loans can be 900,000 yuan, the second set can also be 700,000 yuan, and the * * * can be 654.38+0.6 million yuan! According to the new policy of Wuhan Provident Fund, the maximum amount has been increased as follows:

1. If the paid employee's family uses the housing provident fund loan to purchase the first set of ordinary self-occupied housing (including business transfer), the maximum loan amount is 900,000 yuan.

2. Purchase a second set of improved self-occupied housing with a maximum loan of 700,000 yuan.

Wuhan provident fund loan amount

The following minimum standards shall be implemented for the amount of provident fund loans:

1, not higher than the loan limit determined by the borrower's repayment ability. The calculation formula is: the sum of the monthly deposit base of the housing accumulation fund of the borrower and his spouse (or unmarried children) ×40%× 12× loan period.

2. The purchase, construction, renovation and overhaul of the first set of ordinary self-occupied housing, if the construction area in Xing Tao is below 90 square meters (inclusive), the loan amount is not higher than 80% of the total price, and if the construction area in Xing Tao is above 90 square meters, the loan amount is not higher than 70% of the total price; The purchase, construction, renovation and overhaul of the second set of ordinary self-occupied housing shall not be higher than 40% of the total price. The total purchase price of finely decorated houses does not include interior decoration expenses.

3. If the borrower and his spouse (or unmarried children) meet the loan conditions, the maximum amount of each loan shall not exceed 400,000 yuan, and the amount below 6,543,800 yuan may be relaxed to 6,543,800 yuan; If only one person meets the loan conditions, the maximum amount of each loan shall not exceed 200,000 yuan, and the amount below 50,000 yuan may be relaxed to 50,000 yuan.

4. The loan amount of housing provident fund plus the withdrawal amount shall not exceed 80% of the total purchase price.

5. The accumulated loan amount shall not exceed the loan limit calculated according to the current housing provident fund loan policy.

Legal basis: Regulations on the Management of Housing Provident Fund Article 2 These Regulations are applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations 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, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.

What are the policies for the second-home provident fund loan in Wuhan?

Many people save some savings and use them to buy a house. As we all know, they can enjoy many discounts when they buy the first suite. But if they buy a second suite, they need to follow the second suite purchase policy. What are the loan policies of Wuhan second-home provident fund? What is the standard for identifying the second suite? Let's take a look with Bian Xiao!

1. What are the policies for the second-home provident fund loan in Wuhan?

Use the housing provident fund to buy two houses in Wuhan. The maximum loan ratio is 40% of the total house price, and the maximum loan amount for the second housing provident fund is 500,000 yuan. At the same time, the deduction of housing provident fund loans was cancelled, that is to say, when buyers apply for housing provident fund loans again, they do not need to deduct the amount of housing provident fund loans that have been used for the first time.

What are the criteria for determining the second suite and the second suite?

65438+

2. If one spouse uses a commercial loan to buy a house before marriage, the other spouse uses a housing provident fund loan to buy a house before marriage, and applies for a loan to buy a house in the name of husband and wife after marriage. If the loan has been paid off, the bank will adjust the down payment ratio and loan interest rate according to the lender's credit and solvency.

3. Ready to get married but did not go through the marriage registration formalities, one party has a house and the loan has not been paid off, and the other party has no real estate and no loan record, so they buy a house together. Even if the party without a loan record applies for a loan, both of them are property owners, so when buying a house, they will be regarded as two houses.

Summary: What are the relevant contents of Wuhan Second Home Provident Fund Loan Policy? I hope I can help my friends in need. Before buying a house, everyone must understand the local purchase policy and go through the relevant formalities according to the regulations, so as not to affect the smooth progress of the purchase process.