Municipal provident fund:

The difference between the second suite and the first suite in the provident fund loan is that the maximum amount is different. The maximum amount of the second suite is 800,000 yuan, and the maximum amount of the first suite is 12.

The loan amount is related to many factors, such as the borrower's provident fund deposit, the loan application period, the down payment amount, the relationship between the purchased houses and so on. However, the amount has nothing to do with the nature of the house, and it will not be possible to borrow more because it is a policy house.

Guo Guan

The monthly contributions of the State-run provident fund and individuals depend on the balance of the individual provident fund account, which reaches15-160,000 yuan, and the loan can reach120,000 yuan according to the spouse's contribution. There will be many audits between the submission of materials and the final payment, which will be subject to your last audit.

The first home loan 120 can be 800,000 yuan.

Two. The loan amount of Beijing State-managed provident fund is 202 1?

Apply for Beijing administrative or state-run provident fund loan to buy the first suite, regardless of the size of the house, the maximum loan amount is 6,543,800 yuan+0.2 million yuan; The maximum loan amount for purchasing two sets of ordinary houses is 800,000 yuan, and in principle, it is not allowed to purchase non-ordinary houses.

Calculation of loan amount of housing provident fund

The specific loan amount should consider the maximum amount of a single loan, the maximum loanable amount, the minimum down payment and the assessed value of collateral at the same time, and after the loan applicant repays the loan every month, the per capita living expenses retained shall not be lower than the basic living expenses standard in Beijing. And the borrower's longest loan period can be calculated to the borrower's 70 years of age, which shall not exceed 30 years.

3. Who knows the amount of the second housing provident fund loan in Beijing?

Municipal provident fund:

The difference between the second suite and the first suite in the provident fund loan is that the maximum amount is different. The maximum amount of the second suite is 800,000 yuan, and the maximum amount of the first suite is 654.38+0.2 million yuan.

The loan amount is related to many factors, such as the borrower's provident fund deposit, the loan application period, the down payment amount, the construction area of the house purchased, etc. However, the amount has nothing to do with the nature of the house, and it will not be possible to borrow more because it is a policy house.

State-managed provident fund:

The national provident fund has nothing to do with the individual's monthly deposit, and the final loan amount mainly depends on the balance of the individual provident fund account. The account balance reaches15-160,000 yuan, and the loan can reach120,000 yuan according to the spouse's deposit. There will be many audits between the submission of materials and the final payment, which will be subject to your last audit.

The loan amount for the first suite is 120, and the maximum loan for the second suite is 800,000.

4. What is the policy of Beijing second-home provident fund loan?

After the 17 credit policy, the down payment ratio of personal loans for housing provident fund for the first and second suites is still 20%, which has not been adjusted. The first home loan is 6.5438+0.2 million, and the second home loan is 800,000. The credit policy adjusts the longest loan period of commercial loans and provident funds from 30 years to 25 years.

1. What is the policy of Beijing second-home provident fund loan? The new policy of the property market was introduced, which stipulated that the minimum down payment ratio should be adjusted to not less than 40% for households who own a house and the corresponding purchase loan is not settled. Use the housing provident fund loan to purchase the first set of ordinary self-occupied housing, with a minimum down payment of 20%; Families who own a house and have settled their loans apply for housing provident fund to buy a house again, with a minimum down payment of 30%. Ii. repayment method of provident fund loan 1. One-time repayment method extracts the balance of the provident fund from the housing provident fund account and returns the loan at one time. Many people repay their loans in this way after retirement. After repayment, if there are still outstanding loans, the remaining loan principal and repayment period will be recalculated to determine the future monthly repayment amount. 2. Withdraw the balance of the provident fund account by stopping repaying the loan for several months, and repay the loan in advance. After repaying the loan in advance, the lender may stop lending for several months. (The time to stop repayment depends on the amount of repayment in advance, but it cannot exceed 12 months. After the repayment period ends, the lender shall continue to repay the loan on a monthly basis. The interest owed during the suspension period is not subject to penalty interest or compound interest, and will be deducted from the monthly repayment after the suspension period. Some property buyers have changed their income at a certain stage (such as illness, childbirth, unemployment, etc.). ), and they often use this way to repay the loan. 3. Monthly repayment method directly withdraws the provident fund from the provident fund account every month to repay the loan. When the amount of housing provident fund withdrawn is insufficient, the lender shall make up the repayment amount in time. 3. When the loanable amount of provident fund loans paid to employees can't meet the demand for house purchase, employees can apply for commercial housing loans from the entrusted banks and distribute them to employees in the form of a combination of provident fund loans and commercial housing loans. Provident fund loans can be mortgaged or pledged. If the provident fund loan is secured by mortgage, the borrower (that is, the employees who apply for provident fund loans, the same below) should use the purchased house as collateral. The borrower shall sign a mortgage contract with the entrusted bank and go through the mortgage registration formalities in accordance with the provisions of this Municipality on the registration of real estate rights. If the provident fund loan is secured by pledge, the borrower or the third party shall provide the voucher-type national debt recognized by the provident fund center and the entrusted bank, the local currency time deposit certificate of the entrusted bank, and other legally pledged rights certificates for guarantee. The borrower shall sign a pledge contract with the entrusted bank, and go through the formalities of transfer of title certificate within the time limit stipulated in the contract. Above, I introduced the Beijing second-home provident fund loan policy for everyone. For those who want to buy a second house, you can learn more about it. In practice, everyone can continue to apply for a second housing provident fund loan, but not if they want to buy it again. When buying a house, provident fund loans are not only shorter than commercial loans, but also have less repayment interest. In addition, after buying the first house and selling it to buy a new house, you can also use the provident fund loan.