According to relevant regulations, the down payment ratio for the purchase of commercial housing shall not be less than 30% of the total house price (i.e. the loan ratio shall not be higher than 70%), but the down payment ratio may be reduced to 20% if the construction area is less than 90 square meters (i.e. the loan ratio shall not be higher than 80%).

40% of the houses with lower stock value and appraisal price (that is, the loan ratio is not higher than 60%), and 0% of the houses with a building area of less than 90 square meters and a house age of less than 5 years (that is, the loan ratio is not higher than 70%).

What is the standard for the first suite?

In accordance with the regulations, the implementation of the "loan does not recognize the housing" standard. Determination of paying off personal housing loan with provident fund loan.

Through the credit information system of China People's Bank and the housing provident fund management system. The outstanding personal housing loan record is recognized as the first home loan.

Only one outstanding personal housing loan record was identified as a second home loan; There are more than two outstanding personal housing loan records, which are identified as three-suite loans.

Second, we are from Dalian and want to use the provident fund loan to buy the down payment ratio of the first suite of a house below 90 square meters. ...

I'll tell you a very accurate one because I've been looking at the house recently.

If you are the first house, there is no other property under your name, and there is no loan, you can use the provident fund loan, and the down payment can be 30%, which is for sure.

But there is a problem. One person can borrow 400,000 yuan and two people can borrow 600,000 yuan.

Let me give you an example. If you have a 90-square-meter house with a total house price of 165438+ 10,000, and you make a down payment of 30%, that's 330,000. You can10-33 = 770,000, which is not enough for you to borrow at most, so the so-called 30% down payment is useless, understand?

Third, the latest policy of provident fund in 2023

The new provident fund policy in 2023 is as follows:

New Deal 1: Rent invoices and tax payment certificates are not required for renting a house to withdraw the provident fund.

The new regulations point out that employees have paid the housing provident fund in full for three consecutive months. If my spouse and I don't own a house in this city and rent a house, we can withdraw the housing accumulation fund of both husband and wife to pay the rent. Before withdrawing the provident fund to pay the rent, you also need to submit the rent invoice and tax payment certificate.

New Deal 2: The down payment for the second suite of provident fund loans is reduced to 20%

For those who own 1 house and have settled the house purchase loan, they will use the housing provident fund loan to buy a house again, and the minimum down payment ratio will be reduced from 30% to 20%.

Handling process of housing provident fund loans in different places

1. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time.

2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans issued by employees according to their applications. For employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they will be issued with certificates of deposit and use of housing provident fund loans in different places.

3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.

4. What is the down payment ratio of houses without loans under the name of Dalian Provident Fund in 2023?

The answer is: In 2023, the down payment ratio of houses without loans under the name of Dalian Provident Fund will be 60%. Because according to the management regulations of Dalian Housing Provident Fund Management Center, the number of housing units for provident fund loans is determined according to the number of housing units registered in the name of the borrower's family members within the administrative area of Dalian (including * * * and others), and if the relationship between two borrowers is father (mother) and son (female), it is determined according to the number of housing units of the family with more housing units. If the title is known, there is a house under the name, indicating that buying a house with the provident fund belongs to the second suite, and the down payment ratio of the second suite is not less than 60%. If you have two suites in your name, you can't use the provident fund to buy a house.