Taking Yueyang City as an example, according to Article 8 of the Measures for the Administration of Personal Housing Loans of Yueyang Housing Provident Fund, the maximum loan amount shall not exceed 80% of the purchase price, and shall not exceed the maximum amount stipulated by Yueyang Housing Provident Fund Management Committee. For the first time to apply for a loan to purchase the first home, the down payment ratio shall not be less than 20% of the purchase price, and the loan amount shall not exceed 80% of the purchase price.
If you apply for a loan for the second time or buy a second house, and the principal and interest of the corresponding house purchase loan have been settled before, the down payment ratio and loan amount of the house purchase shall be implemented according to the regulations of Yueyang Housing Provident Fund Management Committee; Apply for a third set of loans or buy a third set of houses or above, and no loans will be granted; The purchased housing is affordable housing and other affordable housing. The land for housing is allocated by the state, and the loan amount does not exceed 70% of the purchase price.
Extended data:
Provisions on the relevant requirements of housing provident fund personal housing loan:
1. If the borrower requests to change the loan contract, it shall notify the other parties in writing. Before reaching an agreement, the original loan contract will remain valid.
2. If the management center, the borrower, the mortgagor, the third-party guarantor and other relevant parties agree to change through consultation, they shall sign a change contract according to law.
3. If the borrower loses civil capacity, is declared missing, dead or dead, his legal guardian, heir or legatee may continue to perform the loan contract signed by the borrower.
Yueyang Municipal People's Government-Yueyang City Housing Provident Fund Personal Housing Loan Management Measures