There is no discount source for housing provident fund loans, so there is no such problem.

2. What are the conditions for applying for loan discount?

To apply for loan discount, it is generally necessary to submit a copy of the enterprise business license and tax registration certificate, enterprise loan card, loan contract, interest list and other supporting materials.

The application conditions for provident fund loans are:

Have a permanent and valid account in the town where the loan is located, and can provide a valid residence certificate;

The housing accumulation fund has been continuously paid for more than 6 months before the loan, and the accumulated deposit time of the accumulation fund cannot be less than 12 months;

The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;

The borrower has a proper job and a stable income, a fixed monthly salary and a clear intention to repay the loan;

Sign a house purchase contract or contract with the sales office;

Meet other conditions stipulated by the trustor and the trustee.

Three, about the object and conditions of individual housing provident fund loans

Objects and conditions of individual housing provident fund loans

First, the loan object

On-the-job employees who buy and build self-occupied houses.

Second, the loan conditions

1) The borrower has full capacity for civil conduct;

2) Have a formal urban hukou or valid residence status in this city;

(3) Having stable economic income, good credit and the ability to repay the principal and interest of loans;

4) Housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

5) Can provide a valid contract or agreement for purchasing owner-occupied housing;

6) The borrower and the purchaser must be consistent in the house purchase contract, and the person (except the spouse) who has the property right to purchase * * * must issue a written commitment to agree to the house mortgage;

7) Own funds of not less than 30% of the value of owner-occupied housing (more than 40% of second-hand housing);

8) The borrower agrees to handle housing mortgage loan and insurance;

9) For the purchase of commercial housing, the developer shall provide phased guarantee and report relevant credit information;

10) The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

Types of individual housing provident fund loans

Housing provident fund loan Personal housing provident fund loan: it is a preferential loan entrusted by the housing provident fund management center to commercial banks to provide housing provident fund depositors who purchase, build, renovate and overhaul their own houses and raise funds for cooperative housing.

Personal housing provident fund portfolio loan: refers to that when the amount of housing provident fund loan is insufficient to pay the house purchase price, the borrower applies for housing provident fund loan, and at the same time applies for commercial personal housing loan from the entrusted bank, and the two loans together form a portfolio loan. Housing provident fund loans in portfolio loans are approved by the management center, and commercial loans are approved by the entrusted banks.

The real estate developer signs a cooperation agreement on commercial housing mortgage loan with the management center and the entrusted bank, and the real estate developer provides the borrower with a phased guarantee and deposits a deposit according to a certain proportion of the total loan. After completing the property right certificate and mortgage registration, the guarantee responsibility is terminated and the purchased house is converted into mortgage guarantee. The borrower applies for a loan from the management center. After approval, the entrusted bank signs a loan contract with the borrower and goes through the formalities of using the loan.

Personal housing provident fund replacement portfolio loan: firstly, the bank issues commercial housing loans to borrowers (employees who have paid housing provident fund) with bank funds, and then the entrusted bank applies for provident fund loans to the management center on behalf of the borrowers. The borrower's provident fund loan amount is controlled within its basic provident fund loan amount and does not exceed 70% of the commercial housing loan amount, and its basic provident fund loan period is shorter than the commercial housing loan period by more than 1 year.

I will arrange this article for you. I hope you have a deeper understanding of the objects and conditions of personal housing provident fund loans. In the specific application for housing provident fund loans can be smooth sailing.

Is the housing accumulation fund the joint property of husband and wife when divorced?

Housing provident fund can help when buying a house and reduce the burden for people living in new houses. So can the housing provident fund be used as the joint property of husband and wife in divorce? Let me sort out for you whether the housing provident fund can be regarded as the joint property of husband and wife during divorce, hoping to help those in need. Welcome to browse, thank you.

1. Is the housing accumulation fund the joint property of husband and wife?

According to the provisions of the Marriage Law of the People's Republic of China, wages, bonuses, income from production and business operations, income from intellectual property rights, inherited or donated property (except the property determined to belong to only one spouse in the will or gift contract) and other property that should belong to the husband and wife belong to the same property. The property of one party before marriage, the medical expenses, disability living allowance and other expenses obtained by one party due to physical injury, and the daily necessities used by one party are the property of one party.

Interpretation II of Marriage Law promulgated last year further clarified "other property that should be owned by * * * *", including the income gained by one party through personal property investment during the marriage relationship, as well as the housing subsidies, housing accumulation funds, pension insurance, bankruptcy resettlement compensation actually obtained or should be obtained by both men and women.

Therefore, the housing provident fund belongs to the common property of husband and wife.

Second, what is the scope of property between husband and wife?

Article 17 of the Marriage Law stipulates: "The following property acquired by husband and wife during the marriage relationship shall be jointly owned by husband and wife:

(1) Wages and bonuses;

(2) Income from production and operation;

(3) Income from intellectual property rights;

(4) Inherited or donated property, except as provided for in Item 3 of Article 18 of this Law;

(five) other property that should be owned by * * *. "

When determining the scope of marital property, we should pay attention to the following issues:

1. The scope of joint property of husband and wife is limited to the property acquired by one or both spouses after marriage. The premarital property of one spouse is the personal property owned by one spouse, and will not be transformed into the joint property of the husband and wife due to the continuation of the marriage relationship.

2. The so-called property acquired after marriage refers to the property rights acquired during the marriage relationship. That is, from the effective date of marriage to the effective date of death or divorce of one spouse.

3. The relationship between husband and wife and property and personal property. The property acquired by husband and wife after marriage belongs to the common property of husband and wife, except that it is owned by one party or agreed by both husband and wife in accordance with the provisions of Article 18 of the Marriage Law. Therefore, for some property acquired after marriage, if one spouse claims that it should be his own personal property, he must bear the burden of proof. If it cannot be proved that it belongs to an individual, it shall be recognized as the joint property of husband and wife. Property before or after marriage that cannot be determined as one party should also be recognized as joint property of husband and wife.

What is the latest Shanghai second-home provident fund loan policy?

Buying a house with provident fund is the choice of many people. The provident fund loan policies in different regions are different. The following 365 introduces the loan policy of Shanghai second-home provident fund, hoping to help you.

Many families who buy a second home need to use provident fund loans to buy. Every city has different policies for purchasing a second house with provident fund loans. What are the conditions for using provident fund loans to buy a second house in Shanghai?

The maximum amount of a single provident fund loan for the second suite is 200,000 yuan, and the supplementary provident fund is 6,543,800 yuan; Two people's provident fund loans doubled.

Specific calculation method:

1, which is not higher than the loan limit determined according to the multiple of the balance stored in the housing provident fund accounts of the borrower, spouse and borrower (40 times the balance of housing provident fund and 20 times the balance of supplementary housing provident fund);

2, not higher than the loan limit determined by the proportion of the total housing price;

3. Not higher than the loan limit determined according to the repayment ability, and its calculation formula is: the salary base for the borrower to calculate the monthly deposit of housing provident fund × the specified proportion (50%)× 12 months× the loan period;

4. Not higher than the maximum loan amount.

Second home provident fund loan down payment ratio

After the introduction of the "Five Articles of New China", restrictions on buying houses have been introduced all over the country to prevent real estate speculation. Among them, the second suite purchase policy has changed significantly. At present, all parts of the country have basically reached an agreement that the down payment for second-home provident fund loans must be greater than 60%, and in some areas, the down payment for second-home provident fund loans is 70%. It should be noted that provident fund loan centers are different from commercial banks. Banks' recognize housing and loans', and provident fund centers' only recognize housing but not loans'. In other words, if the first home mortgage is purchased and then sold, and now a new house is purchased, you can also use the provident fund loan or consider it 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. However, according to the relevant policies and regulations of provident fund loans, the down payment must be greater than 60% when purchasing the second suite with provident fund loans.

Second suite deed tax

Tax: buyer's tax: deed tax 65438+ 0.5% of the total price. Seller's tax: 1% per tax, and the real estate license is the only residence of the owner after 5 years. The business tax is 5.5%, and the real estate license is free for 5 years. Tax on both sides: stamp duty is one ten thousandth of the total price, and other handling fees are several hundred. The above taxes are usually paid by the buyer. Procedures: If no loan is needed, both the buyer and the seller should bring their ID cards, real estate licenses and other documents to the Housing Authority to apply for transfer. After the documents are approved, you should pay taxes to the relevant departments in about seven days, and then go back to the Housing Authority with all the documents to apply for a certificate. If all the documents are complete and approved, new property buyers can go to the Housing Authority to get a new real estate license in about three days. If you need a loan, you should contact the bank before submitting the transfer application to the Housing Authority. The bank can only go through the transfer formalities with the Housing Authority after reviewing all the information and agreeing the loan and amount. If you buy a house through a real estate agent, you can also contact a bank loan through an intermediary.

It should be emphasized that the discount of deed tax 1.5% has nothing to do with mortgage, bank and provident fund.

It's actually quite simple. When handling the property right, the deed tax department will check the deed certificate by inputting the ID number of the first householder on the computer according to the submitted property right information. If this person has enjoyed the deed tax discount of 1.5% before, the computer will automatically print the payment slip and collect 3%.

Give another special case: if a person bought a shop before, paid 3% deed tax when handling property rights, and now he has bought a house. By rights, his apartment is the second suite. But because the last suite was a shop, I paid 3% when I owned the property, but I didn't enjoy the deed tax discount of 1.5%. Therefore, you can enjoy 1.5% deed tax concession when handling the property right of this second residential house. But now many developers don't know the situation of the owners. When the owner's property fees (including deed tax, maintenance fund, etc. ) are paid in advance, and they are all paid in advance according to the deed tax of 3%. In the future, property rights will be settled, and more will be refunded and less will be made up.

I will arrange this article for you. I hope I can help you know more about the latest common sense of Shanghai second-home provident fund loan policy. I hope I can learn from your practice.

What are the contents of Beijing provident fund second home loan policy?

The second-home loan policy of provident fund varies from place to place. Then, what are the contents of the Beijing provident fund second-home loan policy? What are the relevant provisions of Beijing provident fund second-home loan policy for Beijing residents to buy second-home housing provident fund?

Beijing's provident fund policy gives up "one size fits all". It is understood that from 20 1 1 1, the criteria for determining the second-home policy of Beijing provident fund loans have been relaxed. When the family that has sold the first suite applies for using the provident fund loan to buy a house again, the provident fund will give the loan according to the first suite policy. Previously, as long as there was a record of buying a house, even if it had been sold, it was identified as a second suite.

According to the adjusted standard for determining the second home loan of provident fund, as long as the per capita housing area under the current name of the purchaser does not exceed 28.8 1 m2, the loan can be obtained. Houses that have been sold before are not included in the statistics, nor are houses bought in other places.

In June last year, 5438+065438+ 10, Beijing Provident Fund issued the detailed rules of the provident fund loan policy of the Ministry of Housing and Urban-Rural Development: the personal loan target of the provident fund to buy a second suite in Beijing is limited to the purchase of ordinary self-occupied housing with improved living conditions, and the existing per capita housing construction area is lower than that of the paid-in workers' families newly announced by the Municipal Bureau of Statistics.

However, in the identification of the second home loan, the principle of "recognizing the house and recognizing the loan" is adopted. Even if the depositor has sold the house with an area exceeding the standard and wants to use the provident fund loan to buy a second suite, the loan will be refused. In other words, the construction area of the first suite of a family of three cannot be higher than 86.43 square meters. If it exceeds the standard, even if the original house is sold, he can't use the provident fund loan to buy a house with improved demand.

After setting the threshold of per capita housing area, the provident fund threshold of second-home loans is even higher than that of commercial loans, which affects some provident fund depositors to use provident fund loans to buy houses. According to the reporter's understanding, under the influence of this policy, the proportion of refusing provident fund loans immediately rose to 5%.

"It is obviously unreasonable to set a threshold for per capita housing area for the second suite." Wu Hao, a market analyst at Jia Wei Anjie, said that the new policy implemented after New Year's Day is more humane, and it is no longer limited to the per capita housing area of 28.8 1 m2. To put it simply, no matter whether the previous housing area exceeded the standard or not, no matter whether the previous loan was used to buy a house, as long as there is no real estate in the name now, when applying for a provident fund loan to buy a house, it can be regarded as the borrower buying the first suite: the construction area is less than 90 square meters (inclusive), and the minimum down payment is only 20 yuan. Above 90 square meters, the minimum down payment is 30%. Compared with "loan interest rate 1. 1 times, the down payment shall not be less than 50%", the burden of the borrower is much less, and the provident fund has once again returned to the track of "ensuring basic housing needs".

Last night, the customer service staff of the provident fund center reminded the public that as long as the provident fund borrower issues the housing sales contract, deed tax and other materials, it can prove that there is no house under its name, thus enjoying the first home loan policy of the provident fund.

Housing accumulation fund loan purchase process

When using the housing provident fund to buy a house, you must first calculate the amount and monthly payment of the loan from the bank according to your own provident fund deposit, and then decide how to use the loan. Next, let's take a look at the process of housing provident fund loans to buy a house, hoping to help everyone!

Housing accumulation fund loan purchase process

(a) the borrower to apply for housing provident fund loans to the city housing provident fund management center to submit a written application, fill in the housing provident fund loan application form and truthfully provide relevant information.

(II) The municipal housing provident fund management center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount, loan term and contract completion, and the borrower signs relevant contracts or agreements with the center, and handles insurance according to the provisions of the People's Bank of China.

(three) after the completion of the loan procedures, the city housing provident fund management center issued a loan approval notice to the bank, and the bank went through the loan issuance procedures after receiving the loan notice.

Special reminder: when buying a house, the borrower can go to the bank to calculate the loan amount and monthly repayment amount according to his own provident fund payment. According to the relevant provisions of provident fund management, it is withdrawn once a year. Suppose the customer withdraws the provident fund once a year 15000 yuan, the monthly repayment amount of provident fund loans is 1500 yuan, and the repayment amount of commercial loans is 1000 yuan. In terms of repayment method, you can choose the "balance loan cancellation method", that is, the extracted provident fund will first return the housing provident fund loan and the principal and interest of the current month's commercial loan (* * * is 2500 yuan). The balance 12500 yuan can be used to repay the principal of the housing commercial loan in one lump sum. After paying off the housing commercial loan principal, use the remaining balance to repay the provident fund loan principal, because the commercial loan interest rate is higher than the provident fund loan interest rate. After "repaying the loan", the borrower can choose to shorten the original repayment period, or keep the repayment period unchanged and reduce the monthly repayment amount.

However, at present, commercial banks have certain restrictions on the number of prepayments for customers. If the customer chooses the repayment method of "matching principal and interest" and the monthly repayment amount remains unchanged at 2,500 yuan, the withdrawn provident fund15,000 yuan will be deducted continuously at 2,500 yuan per month according to the original deduction method. When the balance is insufficient, the borrower shall timely inject the full amount into the bank card for repayment. Customers can choose the above two repayment methods according to their actual situation. If customers apply for commercial loans when buying individual housing, such as individual housing mortgage loans, individual housing transfer loans, individual re-trading housing loans, etc. At that time, for various reasons, I did not apply for a "provident fund" loan to buy a house. Now the personal provident fund has reached the specified number of years and quota, which is in line with the conditions for applying for provident fund housing loans. Although commercial banks can't convert commercial loans to provident fund housing loans at present, they can withdraw provident fund to repay the principal and interest of commercial loans. As long as the borrower applies to the provident fund management center and goes through the relevant procedures for withdrawing the provident fund, he can withdraw the provident fund and return the principal and interest of the individual housing loan.

How to calculate the house loan?

How much is the loan to buy a house every month? Which loan method is the most cost-effective? It is the most concerned thing for every lender. Next, let's take a look at how to calculate the house loan, hoping to help everyone!

How to calculate the house loan?

Scientific selection of loan amount, loan method, down payment ratio and repayment method can help buyers do the right thing with the least money. Property buyers can reduce costs by choosing loans that suit them, so that funds can play a greater role. To this end, every property buyer needs to make careful calculations and reasonable arrangements according to his different economic conditions.

(1) The total house price cannot exceed the actual repayment capacity. Although buying a house with a loan can spend tomorrow's money to do today's things, the overdraft limit must be controlled within the effective solvency. The total purchase price of ordinary property buyers shall not exceed 6 times of the annual household income, and the monthly repayment shall not exceed 60% of the monthly income. For investment buyers, we should fully consider the cost of capital, because the bank's loan interest rate is not static.

(2) The down payment is not as little as possible. The down payment of the Buyer shall not be less than 20% of the total house price. The larger the loan amount, the less the down payment. If you choose a small down payment, you can use other funds for other investments. Therefore, if buyers have extra deposits and other better investment channels, they can choose the one with the least down payment, because the return on other investments may be greater than the loan interest. If there is no better investment method, in the case of excess deposits, we still choose to pay more down payment, because the loan interest is much higher than the deposit interest.

(3) The repayment period should be appropriate. The shorter the loan term, the less the monthly repayment. You should choose the repayment period according to your future income and expenditure and life stage. With the same loan amount, the monthly repayment amount in ten years is more than that in twenty years, but the total repayment amount is less than that in twenty years. According to experts' analysis, 15 to 20 years is generally suitable for housing loans.

4. What are the objects and conditions for applying for housing provident fund loan discount?

Discount objects and conditions. The discount target of housing provident fund loan is the borrower or spouse who has applied for housing provident fund personal housing loan, and must meet the following conditions at the same time: 1. The construction area of self-occupied housing purchased, built, renovated or overhauled by housing provident fund loans, with family members below 90 square meters (including 90 square meters); Families with four or more persons are less than120m2 (including120m2); And there are no other houses with their own property rights in this city. 2. Before applying for discount, the borrower has normally repaid the loan contract for more than 65,438+0 years, and failed to repay the loan principal and interest on time for three consecutive months or six cumulative months. 3. The per capita annual income of the borrower's family members is lower than 80% of the per capita disposable income of urban residents in the previous year announced by the municipal statistics department, or the borrower and his spouse or minor children suffer from major diseases (except medical insurance) or the family encounters other major emergencies, and the repayment is indeed difficult. Four, the borrower or spouse in the application before the normal deposit housing provident fund for more than 2 years; 5. The borrower shall normally deposit the housing provident fund before the application date, except for the following circumstances: (1) The borrower and the original work unit have not been re-employed; (2) The borrower has reached the legal retirement age and gone through the normal retirement procedures. Article 4 Family members of the borrower. Family members of the borrower may include the following persons: 1. The spouse of the borrower; Two. Parents and children of the borrower and spouse who actually live together and have registered to live in the same town for more than one year.