1. What are the preferential policies for buying a first house with a provident fund loan

You can enjoy the standard benchmark interest rate and the maximum loan amount by housing area.

A low price.

2. The provident fund loan interest rate is adjusted to 3.7512 on May 11, 2015. The provident fund loan interest rate for five years and below is the same as the annual interest rate.

2. What are the preferential policies for buying a first house with a provident fund loan

There is a big gap between provident fund loans to buy a house and commercial loans. They are two different types of loans. The base rate is quite favorable under any policy, and there are relevant restrictions on the range of interest rate increases. Commercial loans are subject to interest rate increases at any time based on national financial market regulation.

3. What are the latest policies and regulations for house purchase in Kaifeng in 2022?

1. Regulations on the down payment of a loan to buy a house: the down payment ratio of a provident fund loan for a first home below 90_ (inclusive) shall not be less than 20%, and the down payment ratio of a housing provident fund loan above 90_ shall not be less than 30 %. The down payment ratio for a commercial loan for a first home is 30%, and the interest rate for buying a house using a commercial loan will rise.

2. Deed tax regulations: If the first home purchased by a family has an area of ??90 square meters or less, the deed tax is 1%; if the family purchases a house with an area of ??more than 90 square meters, the deed tax is 1.5%.

4. What are the provident fund housing purchase policies?

1. Positive answer

The provident fund has the following loan policies.

2. Specific analysis

1. Good credit report.

2. Stable income.

3. The debt ratio is not high.

4. The provident fund account status is normal.

5. The provident fund account balance is sufficient.

6. The provident fund has been paid continuously for 12 months.

7. There cannot be any outstanding provident fund loan in your name.

8. The down payment was paid as required.

Compared with commercial loans, provident fund loans have more stringent requirements for customers. They need to go through many processes and the review time is relatively long, so they need to be more patient and control them in a timely manner. Progress of provident fund loans.

In order to ensure that provident fund loans can be disbursed smoothly, before applying for a loan, you can prepare your own information and consult the local provident fund center to learn about the specific loan policies and see if you can apply for a loan based on your qualifications. Be aware of how much loan amount you can get.

Pay a deposit and down payment to buy a house only after you have a full understanding of it.

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3. What should I do if the provident fund loan limit is not enough?

If the provident fund loan amount is not enough, the lender can increase the down payment ratio, so that the home purchase plan can be carried out. Of course, increasing the down payment ratio will increase the pressure on the lender. If the financial pressure is too great, the lender will You can apply for a combination loan.

Generally, the amount of a provident fund loan is 10-20 times the balance of the borrower's provident fund account. The loan policies in each region will be different. Therefore, before applying for a provident fund loan, the lender can first consult the local area. Provident Fund Center to understand the situation.