The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.
Loan terms:
(1) The borrower has paid the housing provident fund in full every month for more than 6 months (including 6 months) before the loan application date.
(two) the borrower and his spouse have no outstanding housing provident fund personal housing loans.
(three) approved by the center to buy, build, rebuild, overhaul occupied housing and repay loans from commercial banks for occupied housing consumption.
(four) the borrower must have a stable income and the ability to repay the principal and interest of the loan on schedule; The monthly repayment amount shall not exceed 60% of the family income provided by it; Family income can be supplemented by increasing the number of auxiliary borrowers.
(5) Being able to provide loan guarantees recognized by the Center.
(6) The borrower has a good reputation.
By loan scope:
1. Housing loan: the loan amount shall not exceed 80% of the total house purchase contract price.
2. Decoration loan: the maximum loan of less than 70 square meters shall not exceed 200,000 yuan; The maximum loan amount from 70 square meters (including 70 square meters) to 120 square meters shall not exceed 400,000 yuan; 120 square meters or more (including 120 square meters), the maximum loan amount shall not exceed 600,000 yuan.
3. Commercial-to-public loan: On the premise that the loan amount does not exceed 80% of the original commercial bank loan amount and the total price of the house purchase contract, a decoration loan of 50,000 yuan can be added on the basis of the remaining principal of the commercial loan.
4. Demolition housing loan: if the demolition area is not less than 20% of the newly resettled housing area, the loan amount shall not exceed the payable house purchase amount; If the demolition area is less than 20% of the newly resettled housing area, the loan amount shall pay the house price-(20% of the newly resettled housing area-demolition area) * square meter unit price, (square meter unit price = payable house price/newly resettled housing area).
As a guarantee:
1. For loans secured by real estate license, the loan amount shall not exceed 70% of the appraised house price.
2. For loans secured by pledge, the loan amount shall not exceed 90% of the face value of the pledge right certificate.
3. With the joint guarantee of natural persons and the pledge of housing provident fund, the loan amount shall not exceed 2 times of the pledged housing provident fund.
Legal basis:
Regulations on the administration of housing provident fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.