In principle, everyone can borrow up to 300,000 yuan.
As long as the loan repayment income ratio and other conditions are met, the loan applicant with the balance of provident fund deposit below 6.5438+0.5 million yuan can borrow 300,000 yuan in principle.
Buy a room with decoration
You can also apply for a loan at a total price.
Industrialized and assembled commercial houses can apply for provident fund loans based on the total price of fully renovated houses.
apply for loan
It will not be limited to the project construction progress.
Any project that applies for loan cooperation to Chengdu Provident Fund Center can accept, approve and issue personal loans after signing the agreement, and is not limited by the project construction progress.
Loan expenses
Some mortgage registrations will be reduced.
/kloc-From September 0/5, the mortgage registration fee for second-hand housing provident fund loans and existing housing provident fund loans guaranteed by unsecured companies shall be borne by the loan trustee bank.
The balance of the provident fund account is less than 6,543,800 yuan+0.5 million yuan. As long as certain conditions are met, a loan of 300,000 yuan can be granted in principle. Yesterday, Chengdu Provident Fund Center announced that it will adjust the provident fund loan policy from the 8th of next month. Not only can you borrow more, but you can also buy a house with decoration and borrow at the total price.
The current provident fund policy stipulates that the amount of employee loans is 20 times the balance of personal accounts. That is, the account balance is 6,543,800 yuan+0.5 million yuan, and the maximum loan amount is 300,000 yuan. If it is less than 6.5438+0.5 million yuan, the loan amount will be even lower.
"After this adjustment, low-and middle-income workers whose account balance is less than 6.5438+0.5 million yuan will enjoy greater support." According to the relevant person in charge of the Provident Fund Center, from the 8th of next month, on the premise of meeting the loan repayment income ratio and credit conditions, loan applicants with a deposit balance of less than 1.5 million yuan can borrow up to 300,000 yuan in principle. At present, the repayment income ratio of Chengdu provident fund loan is 70%, that is, the monthly repayment amount of the borrower shall not be higher than 70% of the average monthly income of the family. If the required loan amount exceeds 300,000 yuan, it will still be calculated by linking the amount with the deposit balance.
Employees who buy decorated houses will also benefit. At present, employees apply for loans to buy houses with decoration, and the decoration part is not included in the total residential price. After adjustment, industrialized and assembled commercial houses can apply for provident fund loans according to the total price of fully renovated houses.
After the adjustment, the cooperation scope and support of provident fund loans have also become wider: any project that applies for loan cooperation to Chengdu Provident Fund Center can accept, approve and issue personal loans after signing the project cooperation agreement, regardless of the project construction progress. At present, there are nearly 800 properties in the city to support provident fund loans.
After the adjustment, the loan procedure fee has also been reduced. From September 15, the mortgage registration fee for the second-hand housing provident fund loans and existing housing provident fund loans of unsecured companies will be borne by the loan trustee bank, while the mortgage pre-registration fee and mortgage registration fee for the provident fund loans guaranteed by Shanghai Housing Property Financing Guarantee Co., Ltd. and Chengdu Jinkong Property Guarantee Co., Ltd. will be borne by the guarantee companies, and will not be charged to the loan applicants.
In addition, the management of personal credit approval has been adjusted: if the loan applicant has overdue records for more than three times or six times in the past two years, his loan application will not be accepted in principle. If the borrower has accumulated more than six overdue records in the past, or accumulated three consecutive overdue records, or accumulated more than three overdue records in the last two years but not more than six times, the down payment ratio shall be increased accordingly, in which the down payment ratio for the first suite shall be no less than 40% and the down payment ratio for the second suite shall be no less than 60%.