Marriage can be considered as the first set, and you can apply for the first purchase certificate if you buy less than 90 square meters. The deed tax is only 1%. The provident fund is like this: for borrowers who buy ordinary self-occupied houses for the first time and have two or more people to participate in the loan, the maximum loan limit per household is still 600,000 yuan; If there is supplementary housing provident fund, the maximum loan limit for each household is still 800,000 yuan; For families with only one loan, the maximum loan limit is still 300,000 yuan; If there is a supplementary housing provident fund, the maximum loan limit is still 400 thousand yuan.
Second, the first set of housing provident fund loan amount
The loan amount of the provident fund is comprehensively calculated according to the monthly deposit amount of the provident fund and the account balance. The maximum loan amount shall not exceed 10 times of the deposit balance in the housing provident fund account, and shall not exceed the maximum loan amount corresponding to the monthly deposit amount. 1. The maximum amount of the first housing provident fund loan is:1; If the total monthly contributions of husband and wife are below 1600 yuan (inclusive), the maximum amount of housing provident fund loan is 300,000 yuan; If the monthly deposit of one party is below 800 yuan (inclusive), the maximum amount of housing provident fund loan is 200,000 yuan; 2. If the total monthly contributions of husband and wife exceed 1.600 yuan and are less than 2,800 yuan (inclusive), the maximum loan amount of housing provident fund is 400,000 yuan; If the monthly deposit of one party exceeds 1400 yuan (inclusive), the maximum loan amount of housing provident fund is 250,000 yuan; 3. If the total monthly deposit of husband and wife exceeds 2,800 yuan, the maximum amount of housing provident fund loan is 500,000 yuan, and if the monthly deposit of one party exceeds 1400 yuan, the maximum amount of housing provident fund loan is 300,000 yuan. 2. The maximum amount of the second housing provident fund loan is:1; If the total monthly contributions of husband and wife are below 1600 yuan (inclusive), the maximum amount of housing provident fund loan is 200,000 yuan; If the monthly deposit of one party is below 800 yuan (inclusive), the maximum amount of housing provident fund loan is 654,380,500 yuan; 2. If the total monthly contributions of husband and wife exceed 1.600 yuan and are less than 2,800 yuan (inclusive), the maximum loan amount of housing provident fund is 300,000 yuan; If the monthly deposit of one party exceeds 1400 yuan (inclusive), the maximum loan amount of housing provident fund is 200,000 yuan; 3. If the total monthly deposit of husband and wife exceeds 2,800 yuan, the maximum amount of housing provident fund loan is 400,000 yuan, and if the monthly deposit of one party exceeds 1400 yuan, the maximum amount of housing provident fund loan is 250,000 yuan. The specific loan amount depends on the situation of the house purchased and the repayment ability of the applicant. According to Article 26 of the Regulations on Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
3. What is the amount of the provident fund loan for the first suite in Linhai?
The current interest rate of provident fund loans was adjusted and implemented on July 6, 20 12. The interest rate of provident fund loans for more than five years is 4.50%, the monthly interest rate is 4.50%/ 12, and the interest rate of provident fund loans for five years and less is 4.0% per annum. The first home loan is implemented according to the benchmark interest rate, and the second home loan interest rate rises 10%. The interest rate of provident fund loans in 20 13 years has not been adjusted, and the existing interest rate of provident fund loans in 20 14 years remains unchanged. If it is a new provident fund loan of 20 14, the interest rate at the time of loan issuance shall prevail.