Second-hand housing loan:
Loan object and conditions:
1. It meets the basic requirements of our retail loan customers.
2. Foreigners or residents of Hong Kong, Macao and Taiwan must also meet the relevant requirements of the state for foreigners to purchase commercial housing.
3. Have the ability to repay the loan principal and interest on time. The ratio of monthly loan expenditure to monthly income of the borrower shall be controlled below 5% (inclusive), and the ratio of monthly debt expenditure to monthly income shall be controlled below 55% (inclusive).
4. Other conditions stipulated by the agency.
Application materials:
1. Identification materials: ID card, military officer's card, etc.
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.
3. Proof of use: proof of original property rights of the purchased property, purchase contract, and down payment receipt confirmed by the seller (if the transaction funds are supervised, it is enough to provide proof that the supervision funds are accounted for).
4. Proof of local residence: a list of fixed-line telephone bills for any three months in the past year, or a list of utility bills, or other materials that can prove the address.
5. Proof of repayment ability (provide one or more of the following)
(1) Customers who meet the professional standards of Bank of China for high-quality customers with personal loans can provide proof of income as proof of repayment source. Other quality customers, in addition to providing proof of income, should also provide enough information to prove that they meet the standards of quality customers.
(2) Our payroll customers can directly provide their payroll account flow, without the need for the unit to issue a separate income certificate.
(3) Customers who can provide social security account running water or personal tax bills do not need the company to issue income certificates, and the Bank calculates the customer's income according to the relevant provisions of local social security account payment or tax policies.
(4) For self-employed people and customers whose income is obviously higher than that of the same position in the local industry, supplementary proof materials of repayment sources must be provided. Including but not limited to:
① provide a running list of wages paid by banks for more than three consecutive months (inclusive) in the past year or a reliable list of wages.
② Provide proof of holding shares in relevant institutions and proof of dividend income of the shares.
③ Provide proof of family assets, including financial assets or non-financial assets.
6. Other information required by the agency.
Loan amount:
1. The maximum amount of credit/single loan shall not exceed 7% of the mortgaged value of the purchased property, and the relevant regulations of the regulatory authorities and the Bank shall be met.
2. If the policy of the regulatory authorities is adjusted, it shall be implemented in accordance with the relevant regulations of the Bank and the regulatory authorities.
3. The mortgage value is determined according to the principle that the assessed present value of the collateral is lower than the transaction price.
Loan term:
1. The longest loan term or credit period shall not exceed 3 years.
2. The loan term plus the age of the mortgaged property shall not exceed 4 years in principle.
provident fund loans;
The conditions that the applicant and the * * * applicant should meet:
The employee himself is the provident fund loan applicant, and the spouse should be the * * * applicant; If parents deposit housing provident fund in this city, they can be the same applicant.
If the housing purchased by employees has other rights holders except spouses, parents and children, employees cannot apply for provident fund loans with the housing.
When employees purchase affordable housing and commercial housing (residential) and apply for provident fund loans, they should meet the following conditions:
1. The applicant and the * * who participated in the calculation of the loanable amount of provident fund loans have continuously paid the housing provident fund in full and on time for six months before the month of application (the supplementary month is not included in this six months), and they are in a normal payment state at the time of application; (* * * If the applicant participates in the quota calculation, it is also necessary to meet the above conditions. If the above conditions are not met, you can only be the same applicant as * *, but do not participate in the quota calculation)
2. The applicant and * * have not made provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are the same applicants, both parents should have no provident fund loans in this city or have paid off the provident fund loans;
3. The applicant and the * * who participated in the calculation of the loanable amount of the provident fund loan have the ability to repay the principal and interest of the loan, and their credit status is good;
4. The applicant has paid the down payment for the house purchase as required;
5. The applicant provides a guarantee that meets the requirements of these Provisions;
6. The loan application meets the requirements of national, provincial and municipal real estate market management policies;
7. Meet other conditions stipulated by the provident fund management committee.
Loan currency and loanable amount:
The loanable amount of provident fund loan is 12 times of the balance of the applicant's housing provident fund account and shall meet the following requirements at the same time:
1. The monthly loan repayment amount (principal and interest calculated by the equal principal and interest repayment method) shall not exceed 5% of the applicant's housing provident fund deposit base. If there are * * * applicants and * * * applicants who deposit the housing provident fund in this city, the deposit base of the housing provident fund is the sum of the deposit bases of the applicant and * * * applicants (parents can act as * * * applicants).
2. Not higher than the difference between the total purchase price and the down payment. If the purchased house is a stock commodity house (second-hand house), the applicant shall entrust a real estate appraisal agency recognized by the provident fund center to conduct value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.
The down payment ratio for employees who purchase the first suite with an area of less than 9 square meters (including 9 square meters) shall not be less than 2% of the total purchase price; If the area of the first house is over 9 square meters, the down payment ratio shall not be less than 3% of the total purchase price, and the down payment ratio for the second house shall not be less than 6% of the total purchase price. You can't apply for provident fund loans when you buy a third house. (The loans of portfolio lenders are handled according to the policies of commercial banks)
Loan term:
The term of provident fund loans is in years, and the longest loan term does not exceed 36 (3 years), and the sum of the loan term and the actual age of employees (applicants) when applying for loans does not exceed 7 years. If it is a business-to-public loan, that is, the sum of the repaid loan period of the original commercial housing mortgage loan and the business-to-public loan period does not exceed 3 years.
3. Not higher than the maximum amount of a single housing provident fund loan. For individual employees, the maximum amount of a single housing provident fund loan is 5, yuan. If the applicant and * * * apply together with the applicant and * * * participate in the calculation of the amount, the maximum amount of a single housing provident fund loan is 9, yuan (if the applicant's spouse has not paid the provident fund or has paid the provident fund continuously for less than six months and can only be regarded as the * * * with the applicant, the maximum amount of the loan is 5, yuan).
4. If the applicant has not withdrawn the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loanable amount of the housing provident fund loan calculated according to the balance multiple of the housing provident fund account can be increased by 1%, but other requirements specified in the preceding paragraph shall be met (subject to the approval of the center).
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