I. Loan amount:
(a) Liujiang County, Liuzhou City, employees to buy and build self-occupied housing to apply for housing provident fund personal housing loan limit of 400 thousand yuan; Workers in Luzhai County, Liucheng County, Rongan County, Rongshui County, Sanjiang County to buy and build self-occupied housing to apply for housing provident fund personal housing loan limit of 300 thousand yuan.
(2) If only one of the single employees or married couples pays the housing provident fund, they will buy self-built houses in Liuzhou City and Liujiang County with a loan limit of 250,000 yuan; In Luzhai County, Liucheng County, Rongan County, Rongshui County and Sanjiang County, the loan limit is 200,000 yuan.
After employees apply for housing provident fund personal housing entrusted loans, if the loan funds are still insufficient to pay the required purchase price, they may apply for portfolio loans from the entrusted commercial banks.
Two. Determine the number of housing units purchased and built by employees
The determination of the number of employee housing units is based on the number of times that employees' families use housing provident fund loans (including settled loans) to purchase and build houses. For the first time, if you apply for a housing provident fund personal housing loan, the purchased housing will be regarded as the first set of housing; After the balance of the first set of housing provident fund personal housing loans is settled, employees' families can apply for the second set of housing provident fund personal housing loans to purchase and build a second set of housing, and each employee's family can apply for no more than two housing provident fund personal housing loans.
Three, the purchase and construction of owner-occupied housing loans to determine the down payment ratio
Employees apply for housing provident fund personal housing loans for the first time to purchase and build the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; Xing Tao construction area of more than 90 square meters, the loan down payment ratio shall not be less than 30%; If an employee applies for housing accumulation fund and individual housing loan for the second time to purchase and build a house, the down payment ratio of the loan shall not be less than 50%. When employees buy second-hand houses to apply for loans, the down payment ratio of loans shall not be less than 30%.
Four. Determination of individual housing loan interest rate of housing accumulation fund
If the housing provident fund personal housing loan is used for the first time to purchase housing, the interest rate of the housing provident fund personal housing loan shall be implemented according to the corresponding benchmark interest rate of the People's Bank of China; If the housing provident fund personal housing loan is used to purchase housing for the second time, the interest rate of the housing provident fund personal housing loan is 1. 1 times the interest rate of the first housing provident fund personal housing loan in the same period.
Five, the implementation of the loan amount and individual housing provident fund deposit hook.
Under the premise that employees meet the corresponding provisions of the down payment ratio and have repayment ability, the amount of personal housing entrusted loans that can apply for housing provident fund should also be calculated in combination with the housing provident fund paid by borrowing employees. The specific calculation formula is as follows:
Loan amount = the total amount of housing provident fund paid by the borrower and his spouse from the date of applying for a loan to the statutory retirement age ×2+ the balance of housing provident fund when the borrower applies for a loan.
The total amount of housing provident fund paid by employees and their spouses from the time of applying for loans to the legal retirement age = the monthly payment standard of housing provident fund at the time of applying for loans × the total number of months from the time of applying for loans to the legal retirement age.
If one of the husband and wife is in arrears with the housing provident fund for more than 6 months or the individual housing provident fund account has been sealed, the housing provident fund of the defaulting party will not be included in the formula calculation.
Workers and their spouses who have paid the housing provident fund in full and normally, when purchasing and building self-occupied housing in urban areas and Liujiang County to apply for housing provident fund personal housing loans, if the loanable amount calculated according to the formula is less than 300,000 yuan, they can apply according to the quota of 300,000 yuan; In Luzhai County, Liucheng County, Rongan County, Rongshui County and Sanjiang County, if the loanable amount calculated according to the formula is less than 200,000 yuan, an application can be made according to the amount of 200,000 yuan.
If only one of the single workers or married couples pays the housing provident fund, when buying and building self-occupied housing in urban areas and Liujiang County to apply for housing provident fund personal housing loans, if the loanable amount is less than 200,000 yuan according to the formula, it can be applied according to the amount of 200,000 yuan; In Luzhai County, Liucheng County, Rongan County, Rongshui County and Sanjiang County, if the loanable amount calculated according to the formula is less than 6.5438+0.5 million yuan, an application can be made according to the amount of 6.5438+0.5 million yuan.
(The above answers were published on 2013-10-18. Please refer to the actual situation for the current purchase policy. )
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