In the purchase policy, we will all see the policy about the second suite. Buy a second set of commercial housing can continue to apply for a second-home provident fund loan, but stop issuing provident fund loans to paid employees who buy a third and above housing. I. Shanghai Provident Fund Second-home Loan Policy The Shanghai Provident Fund Management Center has adjusted the per capita housing construction area of Shanghai families who purchase the second improved housing and apply for housing provident fund loans from the previous "not higher than 36. 1 square meter" to "not higher than 36.7 square meters". In Shanghai, the maximum amount of provident fund loans to buy a second suite is 200,000. If the husband and wife jointly borrow money, the amount is 400,000 yuan. In addition, it is also required that the loan amount cannot be higher than the loan amount obtained by multiplying the balance of the housing provident fund account of you, your spouse and all the co-borrowers. 2. The loan requirement for Shanghai second-home provident fund is 1, which is not higher than the loan limit determined according to the multiple of the balance stored in the respective housing provident fund accounts of the borrower, spouse and co-borrower (40 times the balance of housing provident fund and 20 times the balance of supplementary housing provident fund); 2, not higher than the loan limit determined by the proportion of the total housing price; 3. Not higher than the loan limit determined according to the repayment ability, and its calculation formula is: the salary base for the borrower to calculate the monthly deposit of housing provident fund × the specified proportion (50%)× 12 months× the loan period; 4. Not higher than the maximum loan amount. Third, the Shanghai Provident Fund second-home loan interest rate second-home loan commercial loan interest rate Apply for a second-home loan commercial loan, and the bank's loan interest rate will rise. The interest rate of the second-home commercial loan is at least 1. 1 times the benchmark interest rate in the same period, that is, the annual interest rate is at least 7.2 1%. Moreover, it should be noted that the loan interest rates of second-home commercial mortgage loans of different banks are not the same. There are also some banks whose second-home loan interest rates will rise even more. The loan interest rate of the second-home provident fund loan is now unified nationwide, and the interest rates of the first-home provident fund loan and the second-home provident fund loan are unified. The interest rate of the second-home provident fund loan is also 1. 1 times the benchmark interest rate of the floating provident fund loan, with an annual interest rate of 4.95%. The amount of Shanghai second-home provident fund loan is: the maximum amount of single-person provident fund second-home provident fund loan is 200,000+supplementary provident fund is 65,438+10,000; Two people's provident fund loans doubled. The term of the second home loan is limited. The longer the house, the shorter the loan period.
Legal objectivity:
Measures of Ji 'nan Municipality on the Administration of Personal Housing Provident Fund Loans
essay
Borrowers applying for housing provident fund loans must meet the following conditions:
(1) It has stable economic income and loan repayment ability, and its personal credit status is good;
(2) The borrower has continuously paid the housing provident fund in full at the time of loan for not less than the specified time, and has not incurred or fully paid off the housing provident fund loan;
(3) Having a legal procurement contract or agreement;
(4) The down payment of the purchased house that has been delivered shall not be lower than the specified proportion;
(five) agree and be able to buy housing or
Other properties recognized by the provident fund are used as collateral, or movable property and rights are used as collateral. For the newly purchased commercial housing loan, the installment loan guarantee shall be provided by the unit selling the purchased housing.