According to the recent criteria for determining the first suite, there are roughly the following points: (1) If there are two couples, one of whom has a house before marriage but has no loan record, and the other has a loan record before marriage, but there is no real estate in his own name, and both husband and wife buy a house after marriage and apply for a loan, it is regarded as the first suite. (2) If you bought a suite with a loan and later sold it, you can't find the property through the housing registration inquiry system, but you can find the previous loan records in the bank credit information system, and it is also the first suite to buy a house with a second loan. (3) If you have already bought a suite with a loan, but the commercial loan under your name has also been settled, it is also the first suite to buy a house with a second loan. (4) If two suites in the name of an individual are obtained by commercial loans, and the mortgage has been fully paid off, and both suites have been sold, and two sets of house sales certificates can be provided, it is deemed that the buyer is the first suite and has a second loan. (5) If a suite under the name of an individual has paid off the commercial loan, but another set of provident fund loans has also been sold, and proof of housing sale can be provided, in this case, buying a house with a second loan is also considered as the first suite. (6) I bought a suite in full and later sold it for various reasons. I can't find the property through the housing registration inquiry system, and then I can borrow money to buy a house. (7) If you buy a suite in full and apply for a loan again, this is also the first suite. Second home identification and loan policy: 1. There is already a house in the name of the family, with an area of more than 100 square meters or a per capita area of more than 32 square meters. No matter whether you have applied for provident fund loans or not, you can't apply. 2. There is already a house under the family name, with an area less than 100 square meter or less than 32 square meters per capita. For the first or second application for provident fund loan, the down payment is 30%, and the interest rate rises 10%. That is to say, even if a single person or a husband and wife have no children and the house is less than 100 square meters, as long as the family house is less than 100 square meters, no matter how many people can use the provident fund loan. You can't apply for provident fund loans under the following circumstances: (1) Use the provident fund twice, and the loan is limited. (two) used a provident fund, not settled, limited loans. (3) There are already two suites in the name, regardless of the combined area, and then buy a third or more houses, regardless of whether the loan has been made. The above are roughly the criteria for determining the first set of provident fund housing loans, as well as some cases where provident fund loans cannot be applied. Of course, there are some differences in different places, which will be analyzed according to different local policies.
Second, Yantai issued a high-level talent housing provident fund loan policy: the maximum loan for masters is 800,000 yuan.
On April 24th, this newspaper learned from the Housing Provident Fund Management Center of Yantai City, Shandong Province that recently, Yantai City, Shandong Province issued the Notice on the implementation of preferential policies for housing provident fund loans for high-level graduate students in our city (hereinafter referred to as the Notice).
According to the notice, in order to speed up the implementation of the strategy of "strengthening the city with talents" of the Municipal Party Committee, further enhance the attractiveness of talent policies and the level of talent work, and support high-level talents to settle down and start businesses in Yantai, according to the deployment requirements of the "Three-year Action Plan for Accelerating Attracting and Gathering Young Talents to Work and Start Businesses in Yantai" (No.2 of the Tobacco Commission Organization [2021]), the housing accumulation fund for graduate high-level talents will be implemented in 20 15 years.
According to the notice, the maximum amount of housing provident fund loans for high-level talented families who meet the application conditions is 800,000 yuan, and the loan amount is not linked to the balance of the individual housing provident fund deposit account.
Specifically, it is suitable for high-level talents with master's degrees in Yantai. The loan application conditions need to be met: purchase the first family-occupied housing in Yantai; In Yantai City, the housing provident fund has been paid in full for more than 6 months (inclusive); Meet the conditions of down payment, repayment ability and credit status of Yantai housing provident fund loan.
As for the identification standard of the first set of housing, the Notice requires that there is no record of housing loans (including commercial housing loans and housing provident fund loans) in the name of high-level talent families (including themselves, spouses and minor children) of graduate students, and there is no self-occupied housing in the administrative area of Yantai City.
According to the regulations, the longest term of provident fund loans is 30 years; The loan term shall not exceed 65 years for men and 60 years for women; The loan interest rate shall be implemented according to the benchmark interest rate of housing provident fund announced by the People's Bank of China.
3.202 1 what is the standard for identifying the first suite in Yantai?
1, the loan has already bought a suite, the commercial loan has been settled, and the second loan to buy a house is the first suite. Because I bought a suite with a loan and later sold it, I can't find the property through the house registration system, but I can find the loan record in the bank credit information system and then borrow money to buy a house.
2. If you buy a suite in full and then borrow money to buy a house, it is the first suite. Because I bought a suite in full and then sold it, I couldn't find the property in the housing registration system and then borrowed money to buy a house.
3. If one spouse has a house before marriage but has no loan record, and the other spouse has a loan record before marriage but has no property under his name to buy a house after marriage and apply for a loan, it is the first suite.
4.202 1 what is the standard for identifying the first suite in Nanchang?
202 1 Nanchang has no real estate, and the first-time buyers belong to the south.