I. Upper limit of Beijing provident fund loan amount
20 17 Beijing provident fund loan ceiling has been determined. The minimum down payment ratio of the first and second housing provident fund personal loans is 20%, the maximum amount of the first home loan is 6.5438+0.2 million yuan, and the maximum amount of the second home loan is 800,000 yuan. Details are as follows:
1. For loan applicants who have no house in Beijing, the first set of self-occupied housing loan policy will be implemented, with the maximum loan amount of 1.2 million yuan, and the loan amount shall not exceed 80% of the appraised value of the house or the actual purchase price (whichever is lower).
2. For the loan applicants who own 1 apartment in Beijing and settle the corresponding personal housing provident fund loans (including housing provident fund policy-subsidized loans), the second set of housing loan policy shall be implemented, with the maximum loan amount of 800,000 yuan, and the loan amount shall not exceed 70% of the housing appraisal value or the actual purchase price (whichever is lower).
Therefore, no matter whether you apply for the city management or the state management provident fund loan to buy the first suite, regardless of the size of the house, the maximum loan amount is 6.5438+0.2 million yuan; The maximum loan amount for purchasing two sets of ordinary houses is 800,000 yuan, and in principle, it is not allowed to purchase non-ordinary houses.
2. How to calculate the loan amount of Beijing Provident Fund?
20 17 the method for determining the loan amount of Beijing provident fund is:
1. Calculate the monthly income of myself and * * * the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;
2. Calculate the maximum loanable amount: the maximum loanable amount is the remaining amount after deducting the living expenses of at least 1.204 yuan from the monthly income of the family, and then dividing it by the monthly repayment amount per 10,000 yuan of loans during the loan application period.
3. What factors affect the loan amount of Beijing Provident Fund?
1. Personal monthly income: The higher the personal monthly income, the greater the amount of Beijing provident fund loans.
2. Monthly contribution of provident fund: monthly income is determined by the monthly contribution of provident fund, and monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund, so the larger the monthly contribution, the larger the monthly income and the larger the loan amount.
3. Loan term: The longer the loan term, the larger the loan amount.
Hope to adopt! ! !
20 17 what is the loan amount of down payment provident fund for buying a house, and what is the down payment ratio?
Because each customer's situation is different and there are preferential differences in different regions, you need to contact the loan processing outlets directly to consult the loan amount and down payment ratio.
The above contents are for your reference. Please refer to the actual business regulations.
What is the down payment ratio of 20 17 provident fund loans?
20 17 Changzhou individual housing provident fund experienced two rounds of upward adjustment, but both of them were aimed at the provident fund second-home loan policy:
The first time was:
On March 28th, Changzhou Housing Provident Fund Management Center, the official website, issued the Notice on Adjusting the Down Payment Ratio of Personal Housing Loan of Housing Provident Fund in Our City. According to the notice, if the borrower applies for a loan to buy a self-occupied house for the second time to improve the living conditions after paying off the housing provident fund loan for the first time, the minimum down payment ratio will be adjusted from 20% to 30%. The New Deal came into effect on March 30th, 20th17th.
The second time:
On the evening of April 8, Changzhou introduced a new policy for the property market and upgraded its control policies again. The down payment ratio of the second suite of the provident fund has increased from 30% to 50%. Newly purchased commercial housing (including second-hand housing) can only be listed and traded after obtaining the property right certificate for 2 years; The New Deal will be implemented on April 9th.
Therefore, at present, when borrowers apply for housing provident fund loans for the first time, the down payment ratio shall not be less than 20% of the actual purchase price;
After paying off, if you apply for a loan again to improve your living conditions, the minimum down payment ratio shall not be less than 50% of the actual purchase price.
(The above answers were published on 2017-07-11. Please refer to the actual situation for the current relevant procurement policies. )
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20 17 provident fund loan ratio
If the provident fund is used for the first time and the construction area of Xing Tao is less than 90 square meters (inclusive), the minimum down payment ratio of the loan is 20% of the total house price. If the building area is over 90 square meters, the minimum down payment shall be over 30%.
To apply for provident fund loans, the following basic conditions shall be met:
Having full capacity for civil conduct;
Proof of provident fund deposit (or housing provident fund card);
Identity cards, household registration books and proof of marital status of the applicant and spouse;
If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly payment of the housing provident fund has reached the minimum monthly payment announced by the CMC;
Workers can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing;
When employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;
It has stable economic income, good personal credit and the ability to repay the principal and interest of loans.
20 17 the latest and most comprehensive loan strategy of Chengdu provident fund has been collected enough.
Is there any trouble in applying for Chengdu provident fund loan? I have compiled a guide to Chengdu provident fund loans, including the conditions, processes, materials, interest rates, quotas and policies of Chengdu provident fund loans. Come and collect!
Chengdu provident fund loan conditions
Applying for Chengdu provident fund loan, like other loans, needs to meet certain loan conditions. In addition to the qualifications of the lender, it also stipulates the time to pay the provident fund.
Chengdu provident fund loan process
The loan process of Chengdu Provident Fund can be simply described as: submission of materials → preliminary examination of loans → central examination and approval → signing of contracts → issuance of loans. The more detailed process will change according to whether you buy a first-hand house or a second-hand house.
Chengdu provident fund loan materials
Just now, the submission materials were mentioned in the process of introducing the process, so what are these materials? It mainly includes the original ID card, household registration book, marriage certificate, house purchase contract, house registration form, entrusted repayment account, income certificate and deposit certificate. You also need the required number of copies of each material.
Chengdu provident fund loan interest rate
First suite: loan interest rate benchmark for 5 years and below), loan interest rate benchmark for more than 5 years), with a maximum of 700,000 yuan and a down payment of 20%.
Second suite: loan interest rate for 5 years and below), loan interest rate for more than 5 years), up to 700,000, with 20% down payment settled and 40% unpaid.
Chengdu provident fund loan amount
The calculation of provident fund loan amount has always been a mathematical problem, which will be determined according to the deposit balance, time, applicant's age and other factors. There are formulas that can be set, but this algorithm is not recommended.
Chengdu provident fund loan policy
20 17 Chengdu provident fund policy has made some adjustments in loan amount, loan term, deposit ratio and base, which can appropriately reduce the pressure on buyers.
Difference between Chengdu Provident Fund Loan and Commercial Loan
I don't know how to choose provident fund loans and commercial loans. Teach you to distinguish from the following aspects: applicable population, loan interest rate, loan proportion, approval time, loan process, loan source, interest use, approval institution, years and quota, second suite 10.
The introduction of Chengdu provident fund loan strategy ends here. I wonder if it has solved your problem. There are more questions, and the professional credit manager will answer them for you. More strategies and consultation of Chengdu Provident Fund are waiting for you.
How much is the down payment for Hangzhou provident fund to buy a house?
Hello, this is the first time to use the provident fund in Hangzhou. If the building area is less than 90 square meters (inclusive), the minimum down payment ratio of the loan is 20% of the total house price. If the building area is over 90 square meters, the minimum down payment shall be over 30%.
To apply for provident fund loans, the following basic conditions shall be met:
Having full capacity for civil conduct;
Proof of provident fund deposit (or housing provident fund card);
Identity cards, household registration books and proof of marital status of the applicant and spouse;
If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly payment of the housing provident fund has reached the minimum monthly payment announced by the CMC;
Workers can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing;
When employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;
It has stable economic income, good personal credit and the ability to repay the principal and interest of loans. 20 17 down payment ratio of Hangzhou provident fund: 1. Apply for provident fund loans for the first time to buy a first-hand house, the maximum loan ratio is 80% of the total house price, 50% of the monthly contribution of the unilateral employee provident fund is below 800 yuan (including unit subsidies, the same below), and 80% of the monthly contribution of the unilateral employee provident fund is above 800 yuan (inclusive); 2. If it is not the first time to apply for a provident fund loan, the maximum loan ratio is 70% of the total house price (but the maximum loan ratio is still 80% of the total house price when buying a first-hand house below 90 square meters), and the monthly contribution of the unilateral employee provident fund is 50% below 800 yuan; 3. The monthly deposits of unilateral employees in 800 yuan (inclusive) account for 70% (but the highest proportion of first-hand housing loans below 90 square meters is still 80% of the total house price).
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
The introduction of the provident fund loan ratio of 20 17 ends here.