Note: Loan amount = (monthly salary+monthly payment /2)*40%- repayment in other months * 12* loan period = monthly payment/(individual contribution ratio+unit contribution ratio) Provident fund loans are not limited by second homes, with a minimum down payment of 20% and an interest rate of 3.87% for more than five years.
First, Haining provident fund loan conditions
Article 7 The loan object is the employee who has paid the housing accumulation fund in accordance with the regulations and has full capacity for civil conduct, and must meet the following conditions:
(1) Having a permanent residence in Haining or a valid residence status in Haining;
(two) when applying for a loan, the normal continuous deposit of housing provident fund for more than one year (inclusive);
(3) Within one year after purchasing self-occupied housing and obtaining the real estate license; Within three months after the construction or decoration of self-occupied housing has obtained the real estate license; Within three months after the completion of the overhaul of self-occupied housing;
(four) the purchase of owner-occupied housing, the down payment is not less than 30% of the total purchase price;
(five) a stable income, good personal credit, and the ability to repay the principal and interest of the loan on time;
(6) Agree to use the full value of the real estate purchased, built, renovated or overhauled by the loan as collateral. The purchase of commercial housing, real estate development enterprises (hereinafter referred to as developers) shall provide phased guarantees for the buyers;
(seven) to apply for the second housing provident fund loan, the first housing provident fund loan must be paid off;
(8) Other conditions stipulated by Haining Provident Fund Management Center.
Second, Haining provident fund loan process
Eleventh to apply for housing provident fund loans, the borrower should apply to Haining provident fund management center or the entrusted bank; Where the place where the house is purchased is inconsistent with the place where the borrower's provident fund is deposited (within the administrative area of Haining City only), an application shall be submitted to the Haining Provident Fund Management Center where the house is deposited.
Article 12 When Haining Provident Fund Management Center or the entrusted bank accepts the borrower's loan application, the borrower shall truthfully fill in the loan application form and provide the following materials:
(1) Identity cards, marriage certificates and household registration certificates of the borrower and eligible spouses, children and parents who participated in the calculation of the loan amount;
(two) the borrower's economic income (including the economic income of joint borrowers) or proof of solvency;
(three) the purchase contract, received more than 30% of the down payment;
(four) the purchase of second-hand housing or real estate license within one year, should provide housing ownership certificate, land use right certificate and deed tax certificate; Construction, renovation of owner-occupied housing, the need to provide all of the housing, land use warrants, real estate assessment report and at or above the county level planning, construction and other administrative departments agreed to build, renovation of housing proof; Overhaul of owner-occupied housing, the need to provide housing ownership certificates, land use warrants, real estate assessment reports and local housing management or urban construction departments to prove;
(5) Letter of loan commitment issued by the guarantor;
(6) Other materials required by Haining Provident Fund Management Center.
Article 13 loan approval. Haining Provident Fund Management Center or the entrusted bank shall implement an interview system for borrowers on loan-related matters and form interview records. For the borrower's application, Haining Provident Fund Management Center shall make a decision on whether to grant the loan within 10 working days. Under special circumstances, with the approval of the leadership of Haining Provident Fund Management Center, it can be extended for 5 working days, and the Haining Provident Fund Management Center or the entrusted bank will notify the borrower.
Article 14 the signing of a loan contract. The borrower, Haining Provident Fund Management Center and the entrusted bank shall sign a written loan contract, or Haining Provident Fund Management Center entrusts the entrusted bank to sign a written loan contract with the borrower.
Three, Haining provident fund loan amount, duration and interest rate
I. Loan amount
Within the maximum loan amount and loanable amount, the provident fund center shall determine the specific loan amount of the borrower in accordance with the following provisions.
1. The maximum amount of current housing provident fund loans is 600,000 yuan/household.
2. Loan amount = deposit base ×40%× 12 months× loan (calculation) period.
(1) When calculating the loan amount, if the borrower is less than 20 years away from the statutory retirement age, the calculation period of the loan may be appropriately relaxed, and the longest period shall not exceed 5 years, and the loan term shall be met;
(2) The borrower and the personnel involved in calculating the loan amount calculate the loan amount according to their respective provident fund loan amounts, and finally jointly calculate the loan amount;
(3)*** When calculating the loan amount of the same borrower (spouse, parents and children only), if the loan term exceeds that of the main borrower, the loan term of the main borrower shall prevail; If it is shorter than the loan term of the main borrower, it shall be the same as the actual loan term of the borrower.
(4)*** The housing accumulation fund paid by the borrower within the administrative area of this Municipality can be consolidated when calculating the loan amount.
(5) When the borrower applies for a loan from a house with * * * property rights, if the owner of * * * property rights is a child under 18, the maximum loan amount shall not exceed the share of property rights owned by the borrower.
* * * The share of property rights shall be subject to the contents recorded in the house ownership certificate; If the house ownership certificate is not obtained, the contents recorded in the commercial house sales contract shall prevail. * * * If the share of property rights is unclear, the same as * * * *.
3. Housing provident fund loan ratio: the first suite of commercial housing is not higher than 70% of the total house price, the second-hand housing is not higher than 60% of the total house price, and the second suite is not higher than 40% of the total house price.
4. The borrower's monthly repayment of loan principal and interest shall not exceed 60% of the deposit base of housing provident fund when applying for a loan. * * * The repayment amount can be combined with the repayment person. * * * If the repayment party has no housing provident fund deposit base, the repayment amount shall be calculated as 50% of the wage income.
5. If the maximum amount of housing provident fund when the borrower handles commercial personal loans is inconsistent with the current maximum amount, the principle of "lower" shall prevail.
6. Determine the balance of commercial personal loans. When the borrower applies for a housing provident fund loan, the principal of the first commercial personal loan shall be deducted from the balance of the original commercial personal loan, taking an integer of 10,000 yuan. The insufficient part and the interest required for returning the commercial personal loan shall be solved by the borrower's self-raised funds at the same time when issuing the housing provident fund loan; If the balance of commercial personal loans is directly restored by using housing provident fund loan funds, the loan funds shall not exceed the actual balance of commercial personal loans at the time of loan issuance.
Ready to buy a house before starting to pay attention to the amount of provident fund loans? So what is the loan amount of Haining Provident Fund and what conditions are needed? The following small series will discuss the issue of provident fund loans.
According to the Interim Measures of Shaoxing Municipality on Mortgage Loan of Workers' Housing Provident Fund, the loan amount for one household must meet three conditions at the same time: (1) the loan amount for one household = (the sum of the monthly salary of the borrower and the spouse who has paid the provident fund) × repayment ratio × 12 months× loan period. Among them, the "repayment ratio" is controlled within 50%, and the sum of the monthly wages paid by the borrower and spouse is equal to the monthly contribution of the provident fund. According to this calculation formula, if the loan period is 15, then every 100 yuan of provident fund (monthly payment) can be loaned to about 40,000 yuan. (2) Not higher than 70% of the total purchase price, of which "second-hand house" is not higher than 50% of the appraised house price. (3) Not higher than the maximum amount stipulated by the Municipal Housing Provident Fund Management Committee.