Shenyang Municipal Government1Notice of the General Office of Shenyang Municipal People's Government on Further Improving the Regulation of the Real Estate Market 165438+ issued on October 25th indicated that the down payment ratio of commercial loans and provident fund loans increased to 65%.

It is understood that the minimum proportion of the first home loan of banks in Shenyang is 30%, the down payment ratio of the second home loan is 60%, and the minimum interest rate is the benchmark interest rate floating 10%. In addition, some banks said that interest rates also depend on real estate. If it is a non-bank cooperative property, the interest rate of the second home loan can rise by up to 20%.

According to the notice, the period of tax payment certificate or social insurance certificate required by non-Shenyang household registration families to purchase houses has been increased from 1 year to more than 2 years, that is, non-Shenyang household registration families who can provide tax payment certificate or social insurance certificate for more than 2 years in this city can purchase 1 house. The houses purchased include newly-built commercial houses and second-hand houses.

It is also revealed that Shenyang will continue to maintain the national leading level of residential land supply, and the proportion of small and medium-sized ordinary commodity housing, shed-converted housing and affordable housing land supply will reach more than 75%. Moreover, the construction progress of housing provident fund loan projects should be strictly reviewed, and multi-storey buildings should be capped, and high-rise buildings should be built to more than 2/3 of the total number of floors; Do not meet the above conditions, do not apply for housing provident fund loans.

In addition, according to the notice, Shenyang will further increase the supply of small and medium-sized ordinary commodity housing market and establish a fast track for administrative examination and approval. For ordinary commodity housing construction projects with the number of small and medium-sized units reaching more than 70% of the total number of projects, banks and other financial institutions will give priority to supporting their development loan needs on the premise of meeting the credit conditions.

A few days ago, Beijing, Shenzhen, Shanghai, Guangzhou, Xiamen and other cities announced that they would raise the down payment ratio of the second home loan to 70%. It is reported that in 65438+ 10, 70 large and medium-sized cities in China increased by more than 10% year-on-year, reaching 2 1, among which Shanghai, Beijing, Guangzhou, Shenzhen and other places raised the down payment ratio of second homes to 70%, and the house price increased by more than 20% year-on-year. On June 5438+ 10, the average price of new commercial housing in Shenyang increased by 13.3% year-on-year, ranking seventh in terms of increase.

The following is the full text of the Notice of Shenyang Municipal Government on Further Improving the Regulation of the Real Estate Market.

District and county (city) people's governments, municipal government departments and directly affiliated units:

In order to further improve the regulation of the real estate market in our city and promote the stable and healthy development of the real estate market, with the consent of the municipal government, the relevant matters are hereby notified as follows:

First, we will continue to maintain the national leading level of residential land supply, and the proportion of small and medium-sized units in the supply of ordinary commodity housing, shed-converted housing and affordable housing will reach over 75%. Closely monitor land prices to prevent high prices from disrupting the land market.

2. Increase the period of tax payment certificate or social insurance certificate required by non-local household registration families to more than 2 years from 1 year, that is, non-local household registration families who can provide tax payment certificate or social insurance certificate for more than 2 years in this city can buy 1 house. The houses purchased include newly-built commercial houses and second-hand houses.

Third, households apply for loans to buy a second home, and the down payment ratio of commercial loans and provident fund loans has increased to 65%.

Four, strictly review the progress of housing provident fund loan projects, multi-storey buildings should be capped, high-rise buildings should be built to more than two-thirds of the total number of floors. Do not meet the above conditions, do not apply for housing provident fund loans.

Five, to further increase the supply of small and medium-sized ordinary commodity housing market, establish a fast track of administrative examination and approval, small and medium-sized units to reach more than 70% of the total number of ordinary commodity housing construction projects, banks and other financial institutions in line with the credit conditions, give priority to support their development loan needs.

Sixth, do a good job in the construction and management of affordable housing, strictly implement the provisions on monetary subsidies for affordable housing, improve the allocation policy of public rental housing, and do a good job in the allocation of public rental housing to ensure openness, fairness and justice; Actively promote the comprehensive improvement of urban shanty towns and old residential areas, and strengthen the renovation of dangerous houses.

Seven, strengthen the supervision of the real estate market, strict implementation of commodity housing "one room, one price" provisions. Commercial housing projects that have obtained pre-sale permission must publish all housing information at the sales site and online at one time, and property hoarding is strictly prohibited. In violation of the relevant provisions, the price department shall investigate and deal with it according to law; Refusing to rectify, the real estate department suspended the online signing for the record.

Eight, further sort out and improve the basic data of real estate management such as personal housing information, actively promote the construction of urban personal housing information system, comprehensively improve the level of real estate management information, and provide basic support for the establishment of a long-term mechanism for the healthy development of the real estate market in our city.

Nine, this notice shall come into force as of the date of issuance, and the municipal real estate department shall be responsible for the interpretation. If the original relevant provisions are inconsistent with this notice, this notice shall prevail.

(The above answers were published on 20 13- 12-04. Please refer to the actual situation for the current purchase policy. )

When buying a new house, go to Sohu Focus.

Conditions and requirements of Shenyang provident fund loan

Conditions and requirements of Shenyang provident fund loan:

1. Hold legal and valid identity documents;

2. Have full capacity for civil conduct;

3. Have the ability to repay the loan principal and interest;

4. Pay the down payment of house purchase according to the relevant proportion;

5 according to the provisions of the normal continuous full deposit of housing provident fund;

6. The applicant agrees to the loan method approved by the Housing Provident Fund Management Center;

7. The applicant has no outstanding debts;

8. The development enterprise of the purchased building has signed a guarantee agreement with the center;

9. Meet other conditions stipulated by the State and the Housing Provident Fund Management Committee.

Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.

Category:

The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.

(Note: Not all provident fund centres provide the above-mentioned loans. Please consult the local housing provident fund management institution first. )

Features:

Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.

Processing flow:

1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3 provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to go through the loan formalities according to the approval result of the provident fund center, and the borrower and his wife shall sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

Shenyang provident fund loan amount

What is the calculation formula of Shenyang housing provident fund loan amount?

The calculation formula of Shenyang housing provident fund loan amount is as follows:

(Borrower's housing accumulation fund deposit base × 12× repayment coefficient× loan term )× liquidity adjustment coefficient.

The liquidity adjustment coefficient is 0.8 and the repayment coefficient is 30%.

The following factors may affect your loan amount:

1. Maximum limit

The maximum amount in brackets in the formula is fixed, which is the same for anyone who borrows money, as follows:

The applicant pays the housing accumulation fund with a maximum loan amount of 400,000 yuan;

The applicant and * * * both applicants pay housing provident fund, with a maximum loan amount of 600,000 yuan;

The maximum loan amount for three or more family members is 800,000 yuan.

The maximum amount of loans in suburban counties shall be implemented according to the regulations:

The applicants from Liaozhong, Xinmin, Kangping and Faku Management Department have paid the housing accumulation fund, with the maximum loan amount of 350,000 yuan;

The applicant and * * * both applicants pay the housing accumulation fund, and the maximum loan amount is 500,000 yuan;

The maximum loan amount for three or more family members is 550,000 yuan.

Multiply the above figure by the liquidity coefficient of 0.8, which is the maximum amount you can finally borrow.

Note: * * * Applicants must be family members, excluding boyfriends and girlfriends.

2. Upper limit of balance

According to the regulations, the loan amount cannot exceed 15 times of the balance of the applicant and the applicant's provident fund account (if the balance of the provident fund account is less than 20,000 yuan, it will be calculated as 20,000 yuan).

The upper limit of balance means that even if you just graduated from a company with an annual salary of 1W, but you just started to pay the provident fund, and the account balance is only a few thousand, then you can only apply for a loan of 20,000 yuan (less than 20,000 is 20,000), that is, 30W. If you want to borrow more than 400,000 yuan, your account balance must be at least 26,667 yuan.

The upper limit of balance also refers to the bracket part in the formula, which is actually multiplied by the liquidity coefficient of 0.8.

3. Upper limit of proportion

The upper limit of the proportion, to put it bluntly, is how much you have to pay down. Your loan amount cannot be greater than the total house price minus the down payment. After all, the housing provident fund loan is just a welfare for you to buy a house. If you still have a loan after paying off the mortgage, it goes against the original intention of this welfare.

The upper limit of the proportion of purchasing various properties is as follows:

For the first time to purchase ordinary commodity housing, the maximum loan amount shall not exceed 80% of the transaction price of commodity housing (20% down payment) and shall not exceed the maximum loan amount. Apply for housing provident fund loan again, the down payment ratio of the loan is 40%, and the total loan amount does not exceed 60%.

When purchasing a stock house (second-hand house) for the first time, the loan ratio shall be calculated at the approved price (if the transaction price is higher than the evaluation price, the evaluation price shall be the approved price, excluding the prices of house decoration and other items outside the house), and the down payment ratio varies according to the completed service life of the house:

The completed service life of the house is within ten years (including ten years), the down payment ratio of the loan is 30%, and the loan ratio is not higher than 70% of the approved price;

If the completed service life of the house is more than ten years but less than twenty-five years, the down payment ratio of the loan shall be 40%, and the loan ratio shall not be higher than 60% of the approved price.

The same is true for applying for housing provident fund loans to buy second-hand houses again:

If the completed service life of the house is within ten years (including 10 year), the down payment ratio of the loan shall be 50%, and the loan ratio shall not be higher than 50% of the approved price;

If the completed service life of the house is more than ten years but less than twenty-five years, the down payment ratio of the loan is 60%, and the loan ratio is not higher than 40% of the approved price.

After the house (auction house) is auctioned, the loan ratio is calculated according to the auction price, which is the same as that of the stock house (second-hand house).

Among them, the first application and the second application for housing provident fund loans are determined according to the principle of "recognizing loans but not recognizing houses", that is, the previous housing provident fund loans were paid off before the purchase, and the second suite policy was implemented. Do not evaluate commercial loans. After commercial loans were paid off in the past, provident fund loans were also considered as the first suite this time.

(3) loan term

The loan period of the house you bought, your repayment age and whether it is a portfolio loan will all affect your loan period, thus affecting your loan amount. Houses with a service life of more than 25 years or included in the scope can no longer apply for provident fund loans.

1. Loan term of the house

Loan term of commercial housing: the shortest loan term is 1 year and the longest loan term is 30 years.

Loan term of second-hand house and auction house: the shortest loan term is 1 year, the longest loan term is 25 years minus the completed service life of the house, and the longest loan term is no more than 20 years.

The loan period of commercial housing depends on your repayment age. In addition to the age of the house, the term of the second-hand house loan does not exceed 20 years. If it is an old house, it will be shorter. For example, the house you are going to start with is 15 years, so the longest period for applying for housing provident fund loans for this house is (25- 15) years, that is, the longest loan can only be 10 years.

2. Your repayment age

Generally speaking, your loan period can only be counted as the legal retirement age at most, that is, 60 years for men and 55 years for women. However, if the following conditions are met, men can be extended to 65 years and women can be extended to 60 years:

The man is over 45 years old and the woman is over 40 years old;

Continuous deposit of provident fund for more than 3 years (including 3 years);

First application for provident fund loan;

3. Is it a portfolio loan?

The so-called portfolio loan refers to the situation that the house you buy is too expensive, only the housing provident fund loan is not enough, and you have to borrow some commercial loans from the bank to buy it.

In this case, the loan period of the provident fund loan part and the commercial loan part must be the same.

Shenyang Housing Provident Fund 20 19 Personal Loan Policy and Loan Amount

The personal loan amount of the housing accumulation fund in Shenyang was 1, 046,5438+0 billion yuan, an actual increase of 2.4% over the previous year. The annual plan was 1.30.2%, and the personal loan amount reached a record high. This year, the amount of personal loans issued by the center ranks first among the 23 financial institutions in the city with loans for self-occupied ordinary housing consumption. 96.3% of the total personal loans of the city housing provident fund are used to support low-and middle-income families to buy ordinary self-occupied housing. The supply and demand of central funds were generally balanced and operated smoothly throughout the year. The overdue rate was controlled at 0.0002%, and the asset quality reached the best level in history.

According to the spirit of the 10th Plenary Session of the 12th Municipal Party Committee, in order to promote the stable and healthy development of the real estate market in Shenyang, and focus on ensuring the capital needs of low-and middle-income families to purchase small and medium-sized ordinary self-occupied houses, we hereby put forward the following opinions on the housing provident fund personal loan policy:

1. Continue to implement the personal loan policy that employees can apply for housing provident fund after they have continuously paid housing provident fund for six months.

2. Fully implement the provident fund loan policies determined by the state, provinces and cities, and reasonably determine the loan amount. The maximum loan amount for unilateral deposit of housing provident fund is 350,000 yuan, the maximum loan amount for husband and wife to deposit housing provident fund is 550,000 yuan (family as a unit), and the maximum loan amount for three parties to deposit housing provident fund is 600,000 yuan.

3. For eligible employees, extend the loan period, and adjust the loan age limit from "45 years old for men and 45 years old for women who have continuously paid provident fund for more than 3 years (including 3 years) and applied for provident fund loans for the first time" to "45 years old for men and 40 years old for women who have continuously paid provident fund for more than 3 years (including 3 years) and applied for provident fund for the first time".

4 workers apply for housing provident fund loans, the implementation of family housing declaration system, loan workers to declare the number of housing units.

5. Housing provident fund loans are for paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. For families who own 1 apartment and have settled the corresponding housing loans, in order to improve their living conditions, they will apply for loans to buy ordinary commercial housing again and implement the first home loan policy.

6. If the construction area of an ordinary self-occupied apartment is less than 90 square meters (inclusive) for the first time, the down payment ratio of the loan shall be at least 20%, and if it is higher than 90 square meters (inclusive), the down payment ratio of the loan shall be not less than 30%; Families that use housing provident fund loans for three times or more will not be accepted in principle.

7. Relax the real estate access conditions for development enterprises. For qualified and reputable development enterprises, under the condition that the "five certificates" are complete, let go of the restriction that personal loans of housing provident fund may not be issued without capping the real estate.

8. Further increase the publicity of housing provident fund loan policy in different places, and provide housing provident fund loan support for employees in the province to buy houses in Shenyang. According to the relevant spirit of the Ministry of Housing and Urban-Rural Development and the Provincial Department of Housing and Urban-Rural Development, combined with the central fund situation, we will actively promote the housing loan business for employees from other provinces who have paid the employee housing provident fund in Shenyang.

9. Actively seek ways to reduce the repayment pressure for employees who purchase houses. In view of the loan mode of combining provident fund loans with commercial loans, the center will coordinate the entrusted banks to give preferential interest rates to employees who purchase the first set of small and medium-sized ordinary self-occupied houses.

10. The implementation time of the policy is 10/day to February 3 1 day 1 day.