Two or more people buy the same set of self-occupied housing and apply for individual housing provident fund loans. The loan amount is the sum of each applicant's loan amount, with a maximum of 6,543,800 yuan.
The loanable amount of individual housing provident fund loans for employees to purchase ordinary self-occupied housing shall meet the following quota standards at the same time:
1. Not higher than the loan amount calculated according to the individual housing provident fund deposit.
The calculation formula paid by the company for (1) employees is: account balance ×8+ monthly payment × months from retirement age.
(2) The calculation formula of employee's voluntary payment is: daily average account balance ×8+ monthly average payment × months from retirement age.
Where: average daily account balance = sum of average daily account balance/deposit days.
The average monthly deposit amount is determined according to the actual average monthly deposit amount remitted during the voluntary deposit period.
2. Not higher than the maximum amount of personal housing provident fund loans.
1 person applies for individual housing provident fund loan with a maximum amount of 600,000 yuan.
Two or more people buy the same set of self-occupied housing and apply for individual housing provident fund loans. The loan amount is the sum of each applicant's loan amount, with a maximum of 6,543,800 yuan.
3. Not higher than the total purchase price ×( 1- minimum down payment ratio). If the purchased house is a first-hand house, the total purchase price shall be subject to the contract price of online house sales; If the purchased house is a stock house (second-hand house), the total purchase price of the house with property rights shall be subject to the total price agreed in the house sales contract, and the total purchase price of other houses shall be subject to the lower of the online contract price of house sales and the house verification (evaluation) price.
The minimum down payment ratio shall be implemented according to the following provisions. In case of any adjustment of national, provincial and municipal policies, the latest policy shall prevail:
(1) If the purchaser's family has no record of housing loans (including commercial housing loans and housing provident fund loans, the same below) and has no housing in this city, the down payment ratio shall not be less than 30%;
(2) If the family of the purchaser has settled the housing loan record and has no housing in this city, the down payment ratio for purchasing ordinary commodity housing shall be no less than 40%, and the down payment ratio for purchasing non-ordinary commodity housing shall be no less than 70%;
(3) If the purchaser's family has no housing loan record or has a settled housing loan record and owns 1 apartment in this city, the down payment ratio for purchasing ordinary commodity housing shall be no less than 50%;
(4) If the purchaser's family owns 1 apartment in this city and the corresponding housing loan has not been paid off, the down payment ratio for purchasing ordinary commodity housing shall not be less than 70%;
(5) The family of the purchaser owns 1 apartment in this city, and the down payment ratio for purchasing non-ordinary commodity housing is not less than 70%;
(6) If the family of the purchaser has 1 outstanding housing loan, the down payment ratio of the purchaser shall not be less than 70%;
(7) The identification standard of ordinary housing shall be implemented according to the relevant provisions of the state, province and city;
(eight) the purchase of * * * property housing, the down payment ratio with reference to the relevant provisions of the purchase of commercial housing.