Liaoning Housing Fund Management Center issued the Notice on Measures to Support Individual Housing Provident Fund Loans to Stabilize the Real Estate Market, which will be implemented until the end of this year. The "Notice" stipulates that employees who have paid the provincial provident fund in Liaoning Province have paid the provident fund continuously for six months. No matter whether the husband and wife pay by themselves or one pays by themselves, the maximum loan amount is 800,000 yuan as long as they have the repayment ability.
Increase the maximum loan amount by 800,000 yuan.
The Notice on Measures to Support Individual Housing Provident Fund Loans to Stabilize the Real Estate Market stipulates that:
1. All employees who have paid the provident fund in our center continuously for six months, regardless of whether they are paid by both husband and wife or by one of them, have the maximum loan amount of 800,000 yuan as long as they have the ability to repay the loan.
2. If the employee applies for a loan from another place, the maximum amount is 500,000 yuan.
Previously, the loan amount of Liaoning Provincial Provident Fund has been adjusted. The maximum loan amount that an individual can apply for is 450,000, which was later put into 600,000, and now it is put into 800,000.
The minimum down payment for purchasing the first commercial house is 20%.
The Notice on Measures to Support Personal Housing Provident Fund Loans to Stabilize the Real Estate Market stipulates that the down payment ratio for purchasing the first set of commercial housing shall not be less than 20%, and the down payment ratio for purchasing the second set of housing shall not be less than 40%; For the first set of second-hand houses, the down payment ratio is not less than 30%, and for the second set of second-hand houses, the down payment ratio is not less than 40%.
For the purchase of affordable housing, the down payment ratio shall not be less than 30% after deducting the amount of government subsidies from the total purchase price. For loans from different places and the purchase of the first set of commercial housing, the down payment ratio shall not be less than 40%; If you buy a second house, the down payment ratio shall not be less than 50%.
The identification standard of the second suite implements the policy of "recognizing loans but not recognizing houses"
1. If the loan applicant and his family have a set of housing loan records and have settled the corresponding housing loans, and apply for provident fund loans to purchase commercial housing again, the first home loan policy will be implemented; If the loan is not settled, the second home loan policy will be implemented;
2. For families who have two sets of housing loan records and have settled the corresponding housing loan or a set of loans, if they apply for provident fund loans to buy commercial housing again, the second-home loan policy will be implemented;
3. No loans will be granted to families with three or more housing loan records. The loan applicant and * * * have outstanding debts with the applicant, which will affect the repayment ability of the loan and will not grant the loan.
The longest loan period is 30 years, and the loan period is extended to 5 years after the statutory retirement age.
1. For the purchase of commercial housing, the longest loan period is 30 years;
2. Buy a second-hand house, the age of the house is more than 5 years (inclusive), and the loan period is not more than 25 years; If the house age is 6- 19, the loan period is 30 years MINUS the house age; If the house is over 20 years old, the loan term shall not exceed 10 year; If the house age exceeds 30 years (inclusive), no loan will be granted.
The notice also stipulates that the repayment age will be extended to five years after the statutory retirement age.
Credit card overdue for 3 consecutive periods or accumulated overdue for 6 times will affect loan application.
The notice stipulates that overdue credit cards will affect loan applications. The borrower is the same applicant as * * *, and all kinds of loans (excluding student loans) are overdue for 3 consecutive periods (inclusive) or 6 cumulative periods (inclusive) in the past 2 years; In the recent 1 year, the credit card of the loan applicant has been overdue for three consecutive periods (inclusive) or more. In any of the above two cases, the loan can only be issued if the relevant bank or lending institution issues a written certificate of non-malicious default.
In addition, after the provident fund loan is repaid for six months, it can be repaid in advance, and the repayment amount is not less than 30,000 yuan each time.
(The above answers were published on 20 15- 12-09. Please refer to the actual situation for the current purchase policy. )
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