According to relevant regulations, the down payment ratio for the purchase of commercial housing shall not be less than 30% of the total house price (i.e. the loan ratio shall not be higher than 70%), but the down payment ratio may be reduced to 20% if the construction area is less than 90 square meters (i.e. the loan ratio shall not be higher than 80%).

When purchasing a stock house, the down payment ratio shall not be lower than 40% of the lower transaction price and appraisal price (that is, the loan ratio shall not be higher than 60%), but if the building area of the house purchased is less than 90 square meters and the house age is less than 5 years, the self-raised fund ratio may be reduced to 30% (that is, the loan ratio shall not be higher than 70%).

What is the standard for the first suite?

In accordance with the regulations, the implementation of the "loan does not recognize the housing" standard. The number of housing units for provident fund loans is determined according to the outstanding individual housing loans of the borrower's family.

Upon inquiry and confirmation by the Credit Information System of the People's Bank of China and the Housing Provident Fund Management System, the borrower and his spouse have no outstanding personal housing loan records, which is regarded as the first home loan.

Only one outstanding personal housing loan record was identified as a second home loan; There are more than two outstanding personal housing loan records, which are identified as three-suite loans.

Second, is there a down payment ratio for houses without loans under the name of Dalian Provident Fund in 2023?

The answer is: In 2023, the down payment ratio of houses without loans under the name of Dalian Provident Fund will be 60%. Because according to the management regulations of Dalian Housing Provident Fund Management Center, the number of housing units for provident fund loans is determined according to the number of housing units registered in the name of the borrower's family members within the administrative area of Dalian (including * * * and others), and if the relationship between two borrowers is father (mother) and son (female), it is determined according to the number of housing units of the family with more housing units. If the title is known, there is a house under the name, indicating that buying a house with the provident fund belongs to the second suite, and the down payment ratio of the second suite is not less than 60%. If you have two suites in your name, you can't use the provident fund to buy a house.

3. How much is the down payment provident fund loan for the second suite in Dalian?

As a tourist hotspot city, Dalian is surrounded by mountains and seas, with pleasant climate and beautiful environment, which attracts many people to buy houses and settle in Dalian. With the opening of the second child policy and the aggravation of environmental pollution and smog in recent years, many parents want to give their children a good growth environment and need the elderly to take care of their children, so consider buying a second suite to give their families a good living environment. Buying a house is naturally a second suite with a provident fund loan. What about the down payment ratio, loan amount and loan interest rate?

First, Dalian Provident Fund Loan Second Suite

When buying a second house in Dalian, the down payment should be no less than 60%, and the interest rate should not be higher than that of the suite.

Second, what are the criteria for determining the second suite of provident fund loans?

Provident fund loan centers are different from commercial banks. Banks "recognize houses and loans", while provident fund centers only recognize houses and do not recognize loans. If the first home mortgage is purchased and then sold, and the house is purchased again, you can use the provident fund loan, which can be considered as the first suite. The provident fund loan center only recognizes the real estate under the applicant's current name, and does not calculate the historical records of his own real estate and mortgage loans.

Third, Dalian provident fund loans are the highest.

The maximum amount of provident fund loans in the second paragraph of Article 9 of the Measures is:

City level single 450 thousand yuan, double 700 thousand yuan; Jinzhou New District, Bonded Zone and Lushunkou Garden; Puwan New District and Changxing Island pass through pulandian city, wafangdian city, zhuanghe city and Changhai County, with 280,000 single persons and 30 years of double persons.

Four, provident fund loan requirements

Item 1, Paragraph 1 of Article 4 of the Measures:

The borrower must set up an individual housing provident fund account for 180 days, counting forward from the date of applying for provident fund loans, and it will be more than months on time and in full.

Verb (abbreviation of verb) Dalian provident fund loan interest rate

On February 28th, 20 15, after the central bank cut interest rates, Dalian Provident Fund announced that from March 28th, 20 15, the loan interest rate for less than five years would be lowered to 3.5%, and that for provident fund loans for more than five years would be lowered to 4%. The provident fund loan business that has been handled before is still repaid at the interest rate of 20 14 1, and the newly adjusted loan interest rate will be implemented from 20 16.

Friends who want to buy a second suite may wish to know more about Dalian's provident fund, and be sure to find out whether their provident fund is a loan that they can even borrow, so that we can prepare for the family housing budget and other expenses.

(The above answers were published on 2015-12-17).

Click to view more comprehensive, timely and accurate new house information.

4. What is the down payment ratio of the first home provident fund loan in Dalian?

Dalian provident fund loan: you can apply after 6 months of continuous full deposit, and the repayment age is extended to 5 years after the statutory retirement age. The minimum down payment ratio of the first home loan is 20%, and the loan interest rate is subject to the benchmark interest rate. The maximum loan amount is 800,000 yuan. Workers have paid the housing provident fund in full for 3 months, and if they and their spouses have no own housing and rent a house in the administrative area of Dalian, they can withdraw the housing provident fund to pay the rent.