How much is the down payment of provident fund loan to buy a house?
2-70%.
The provident fund cannot be directly used as the down payment for buying a house. Property buyers need to pay the down payment first, and then go to the housing provident fund management center to withdraw the storage balance in their own provident fund.
Down payment ratio of provident fund loans:
1. Buy the first self-occupied house with a construction area of 90 square meters and a down payment of 20%;
2. Buy the first self-occupied house with a construction area of 90 square meters and a down payment of 30%;
3. The down payment for the second house purchase is 50%, and the loan interest rate rises 10% on the basis of the first house purchase. The identification of the "second house" shall be carried out in accordance with the provisions of the relevant state departments, and the specific situation shall be subject to the results of the rounds of the relevant housing management departments.
You can apply for provident fund loans to purchase the following houses:
1, commercial housing (the developer must sign a loan cooperation agreement with the municipal housing provident fund management center);
2. Second-hand houses (stock houses are listed and traded);
3, the current housing (that is, housing reform to buy property rights);
4 auction house (the auction company shall sign a loan cooperation agreement with the municipal housing provident fund management center);
5. Houses without property rights (must be mortgaged by the ownership of their own or third-party houses).
The new policy of purchasing houses with provident fund loans is as follows:
A few days ago, the Central Bank, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the State Taxation Administration of The People's Republic of China issued the Notice on Issues Related to Individual Housing Loan Policy and the Notice on Adjusting the Business Tax Policy on Individual Housing Transfer. According to the above documents, for families who own/kloc-0 apartments and have not repaid the corresponding housing loans, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied houses, and the minimum down payment ratio should be adjusted to not less than 40%; The paid employee families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.
How much is the down payment for housing provident fund loans?
① If the family has no house and no housing loan (including commercial housing loan and provident fund loan, the same below) in this city, the minimum down payment ratio will continue to be 30% when applying for common commodity housing provident fund loan, and the loan interest rate is the benchmark interest rate of provident fund loan.
② If there is no house in this city under the family name, but there is a record of settled housing loan, the down payment ratio for purchasing ordinary commodity housing when applying for provident fund loan shall be no less than 40%, and the loan interest rate shall be the benchmark interest rate of provident fund loan.
③ If the family owns 1 apartment in this city and has no housing loan record, or owns 1 apartment and the loan has been paid off, the down payment ratio for purchasing ordinary commercial housing when applying for provident fund loan shall be no less than 50%, and the loan interest rate shall be 1. 1 times the benchmark interest rate of provident fund loan.
(4) If the family has 1 outstanding housing loans, the down payment ratio of the house purchase shall not be less than 70% when applying for provident fund loans, and the loan interest rate shall be 1. 1 times the benchmark interest rate of provident fund loans.
⑤ For families who purchase non-ordinary houses and apply for provident fund loans, the down payment ratio of house purchase shall not be less than 70%. If the family has no housing in this city and there is no outstanding housing loan record, the loan interest rate is the benchmark interest rate for provident fund loans. If the family has 1 housing or 1 outstanding housing loan records in this city, the loan interest rate is 1 times the benchmark interest rate of provident fund loans.
6. Continue to suspend the issuance of provident fund loans for families to purchase third and above houses.
How much is the down payment for the provident fund loan?
1. If the construction area of the purchased house is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20%;
2. If the building area of the purchased house is more than 90 square meters, the down payment ratio shall not be less than 30% (specifically depending on the minimum down payment ratio agreed in the contract agreement).
3. If you buy a second suite instead of the first suite, according to the regulations of the State Council, the minimum down payment ratio must reach 40%. Moreover, different regions and different banks, according to local housing purchase policies, market conditions and other factors, it is estimated that there will be some fluctuations on this basis, which may require a down payment of 50% to 60%, or even as high as 70%.
If the down payment ratio is not high and the customer has sufficient funds, you can actually pay more. If the down payment is increased, the loan amount can be reduced. In this way, mortgage approval can also provide some help, and it will be easier to pass the approval.
Extended data:
How to apply for provident fund loan to buy a house
1. The borrower shall submit a written application for housing provident fund loan to the housing provident fund management department, and truthfully fill in the housing provident fund loan application form and related materials, such as: personal identity card, borrower's marriage certificate, income certificate of the applicant and spouse, original legal purchase contract, stamp of the applicant and spouse, etc.
2. Housing provident fund management conducts a preliminary examination of the applicant's materials, including the applicant's qualifications, loan amount, term, etc. After the preliminary review is passed, the management will issue a notice of collateral review and evaluation.
3. After the applicant has obtained the appraisal report issued by the appraisal institution, he shall go to the provident fund management department for examination and payment with the appraisal report and preliminary examination materials. If approved, the management will issue the Notice of Investigation on Entrusted Loans for Housing Provident Fund Management Guarantee.
4, the applicant holds the "housing fund management guarantee entrusted loan investigation notice", in accordance with their own choice of guarantee procedures. If the selected guarantee method is mortgage guarantee, the guarantor shall issue a written guarantee certificate; If the guarantee method you choose is mortgage plus insurance or third-party guarantee, you should go to the guarantee company to handle the entrusted guarantee formalities or go to the insurance company to insure.
5. After the above matters are approved, the applicant can sign a loan contract.
What is the minimum down payment ratio of provident fund loans?
The down payment ratio of provident fund loans to purchase houses is 30%. The down payment ratio of housing provident fund loan refers to the ratio of the house purchase price paid by the buyer to the seller in advance to the total house price. The down payment for the house purchase is needed by the family, and the gap can be applied for a loan to complete the full purchase. Under normal circumstances, deducting the down payment from the house price is equal to the loan amount. If the down payment ratio is higher, the threshold of housing loan will be higher. At present, the down payment ratio of provident fund loans in our city is 30% for existing houses and mortgaged commercial houses, and 40% for second-hand houses. Housing provident fund loans to buy a house:, housing provident fund loans to buy a house down payment description: provident fund can not be directly used as a down payment to buy a house. Citizens need to pay the down payment first, and then go to the housing provident fund management center to withdraw the storage balance in their own provident fund. The maximum loanable amount of the housing provident fund loan is calculated according to the balance of the housing provident fund account: the calculation formula is: (the balance of the housing provident fund account is ×××××× to the number of statutory retirement months )× 2. The loanable amount of housing provident fund loans is calculated according to the maximum loan amount: the maximum loan amount is 500,000 yuan for one person applying for housing provident fund loans, and 800,000 yuan for two or more people applying for housing provident fund loans when purchasing the same house. The total withdrawal of housing provident fund cannot exceed the total purchase price. For example, a house bought by a citizen with a loan costs 200,000 yuan, and only 200,000 yuan can be withdrawn from the provident fund. After the housing provident fund loan is settled, you can use the provident fund to buy a house. Whether before marriage or after marriage, one of the husband and wife has applied for provident fund loans, which will be recorded in the system. If the provident fund loan for the first suite has been settled, it is still regarded as the first time for both husband and wife to buy a house with the provident fund loan.
What is the minimum down payment ratio of the first suite of provident fund?
Legal Analysis: According to the Regulations on the Management of Housing Provident Fund, the minimum down payment ratio of the first suite of provident fund is 20%, and the down payment ratio can be as low as 20% when the general purchase area is less than 90 square meters. If the housing area is more than 90 square meters, then the down payment ratio of provident fund loans is generally at least 30%. According to the Regulations on the Management of Housing Provident Fund, the minimum down payment ratio of the first suite of provident fund is 20%, and the down payment ratio can be as low as 20% if the general purchase area is less than 90 square meters. If the housing area is more than 90 square meters, then the down payment ratio of provident fund loans is generally at least 30%. Provident fund loan terms: 1, depending on whether you have a provident fund account or not. This can be seen in the usual salary details, depending on whether the unit has sent it to you. As long as the account is paid, you can also visit the website of the local provident fund center. 2. On the premise of having a provident fund account, only those who have paid the provident fund in full for more than 6 months or accumulated 1 year before the month of applying for a loan are eligible to apply for a loan. The main purpose of this regulation is to prevent job insecurity and income instability, so as to control post-loan risks. Therefore, if your job changes frequently, you must check whether your provident fund meets these two conditions. Of course, there are different rules in some places. For details, please consult your local provident fund center. 3. If both husband and wife have outstanding provident fund loans, they will no longer be eligible for housing provident fund loans; 4. Those who have outstanding large loans or credit stains are not eligible for housing provident fund loans; 5. The sum of the lender's age and the loan period must be less than 70 years old. For example, you are 40 years old now, and you have applied for a loan for 30 years, but the provident fund management center will not approve it; 6, before the loan, must sign a contract for the sale of commercial housing.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
What is the minimum down payment for the new housing provident fund now?
The Ministry of Housing and Urban-Rural Development issued a new policy to adjust the down payment ratio of provident fund loans. After adjustment, the minimum down payment for the first home provident fund loan is unified to 20%. Previously, the down payment of provident fund loans was determined according to whether the housing area was above 90 square meters or below.
The new down payment ratio of provident fund loans is based on the number of housing units. It is reported that the personal housing provident fund loan interest rate is 1-5 years (including 5 years), from 3% to 2. 75%; 5-30 years (including 30 years), from 3. Five to three. 25%。
How to release the latest interest rate of housing provident fund loan interest rate on August 26? In the core table of housing provident fund management of core state organs, the loan period of individual housing provident fund is greater than 1 year, and the original interest rate will be implemented after August 26, 20 15, and the interest rate level of individual housing provident fund loans will be adjusted from June 26, 20 1 6 (inclusive).
If it is the first ordinary self-occupied housing loan to apply for provident fund, the minimum down payment ratio is 20%; Those who own 1 suite and have settled their mortgage can apply for housing provident fund loan again, and the minimum down payment ratio is 30%.
The total withdrawal of housing provident fund cannot exceed the total purchase price. For example, a house bought by a citizen with a loan costs 200,000 yuan, and only 200,000 yuan can be withdrawn from the provident fund.