What is the specific operation of the new provident fund loan policy implemented in Ningbo? For Ningbo people, how can we complete the provident fund loan most conveniently and efficiently? The following small series will explain it in detail for everyone.
Provident Fund loan requirements
1, you must have a permanent residence in this city or a valid residence identity document in this city.
2. Before applying for a loan, you must deposit the housing provident fund normally and continuously for more than one year (inclusive).
3. Within one year after purchasing owner-occupied housing and obtaining real estate license; Within three months after the construction or decoration of self-occupied housing has obtained the real estate license; Within three months after the completion of the overhaul of self-occupied housing.
4. If the owner-occupied house is purchased, the down payment shall not be less than 30% of the total purchase price.
5, to have a stable income, and good personal credit, with the ability to repay the loan principal and interest on time.
6. Agree to use the full value of the property purchased, built, renovated or overhauled by the loan as collateral. The purchase of commercial housing, real estate development enterprises (hereinafter referred to as developers) shall provide phased guarantees for the buyers.
7. To apply for the second housing provident fund loan, you must pay off the first housing provident fund loan.
8. Other conditions stipulated by the management center.
Provident fund loan materials
1. Identity cards, marriage certificates and household registration certificates of the borrower and eligible spouses, children and parents who participate in calculating the loan amount;
2, the borrower's economic income (including the economic income of joint borrowers) or proof of solvency;
3. Purchase contract, down payment? 30%? Receipt of the above purchase price;
4. If the second-hand house or real estate license is purchased within one year, the house ownership certificate, land use right certificate and deed tax certificate shall be provided.
5. Letter of loan commitment issued by the guarantor;
6. Other materials required by the management center.
The upper limit of Ningbo provident fund loan amount: 800,000 yuan.
Calculation formula of loan amount: sum of deposit bases of the borrower and those involved in loan amount calculation × loan coefficient × 12 months× loan (calculation) period.
Term of Ningbo housing provident fund loan
1. If the owner-occupied house is purchased, the longest loan period shall not exceed 20 years;
2. Construction, renovation and overhaul of owner-occupied housing, with the longest loan term not exceeding 10 year;
3. The loan period shall not exceed the service life stipulated by the state for the remaining houses;
4. The longest loan period is the borrower's working years from the time of handling the loan to the legal retirement age.
20 14 Ningbo provident fund loan interest rate
1. The loan interest rate of individual housing provident fund for more than five years is 4.70%.
2. The loan interest rate of individual housing provident fund for five years and below is 4.20%.
How to repay? : Matching principal and interest repayment method and average capital repayment method.
The change of Ningbo provident fund loan policy is undoubtedly a major event for most users who are about to buy a house. I hope that the explanation of the above small series can help you borrow money to buy a house.
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