1. What is the loan amount of the first home provident fund in Beijing?
1, the provident fund loan for the first home in Beijing shall not exceed 65% of the house price; New ordinary housing (more than 90 square meters) does not exceed 65% of the house price; Complete housing (second-hand housing) and self-built housing stock shall not exceed 65% of the house price. For the second suite, it does not exceed 40% of the house price. If the purchase contract (agreement) stipulates the purchase price of the house with attic, the loan amount of the total purchase price can be calculated together.
2. The loan amount calculated according to the repayment ability: (total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan period (month).
3. Loan amount calculated according to house price: loan amount = house price × loan ratio. Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans.
2. How long can the first housing provident fund loan in Beijing last?
1, the first housing provident fund loan in Beijing generally does not exceed 30 years, and the balance of the borrower's housing provident fund account (including the same borrower) is × 10 times; The loan term shall be determined according to the monthly repayment amount not exceeding 50% of the monthly deposit base. If the balance of the borrower's (including the borrower's) housing provident fund account is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan.
2. No more than 500,000 new ordinary houses (300,000 single employees), and no more than 350,000 second-hand houses and self-built houses (2 1 10,000 single employees).
3, the new ordinary housing is not more than 30 years, the stock of complete sets of housing (second-hand housing), self-built housing loan period is not more than 20 years. The loan term plus the actual age of the loan applicant cannot exceed the statutory retirement age, and the loan term of the complete stock housing shall not exceed the remaining service life of the purchased housing.
What is the loan amount of the first housing provident fund in Beijing? How long can Beijing's first home provident fund loan last? I believe everyone will have a certain understanding after reading it, which will help you in the future.