Determine the nature of property rights. Those who live in commercial housing are not allowed to use provident fund loans. The down payment for commercial and residential buildings should be at least 50%. You'd better determine the nature of property rights.
2. When can the railway housing provident fund loan implement the new policy of 20% down payment?
At the end of March, the policy was fully liberalized, and now all cities are gradually implementing it.
Third, the new down payment policy for provident fund housing in 2022
The new regulations for housing loans in 2022 are: the minimum down payment for second-home housing will be reduced to 40%, and second-hand housing will be exempt from business tax within two years. Following the relaxation of provident fund loans and the joint document issued by the Ministry of Land and Resources, the Ministry of Land and Urban-Rural Development jointly issued a document to stabilize the property market. Recently, a number of ministries and commissions have introduced new easing policies for the property market, and this time the coverage is wider. The minimum down payment ratio of the second home loan is adjusted to not less than 40%, which is 20% lower than the previous period. 1. At present, bank housing mortgage loans are divided into self-owned housing mortgage loans, and the interest rates of the two loans are different. The interest rate of mortgage loan is usually higher than that of self-owned property. 2. The real interest rates implemented by different regions and different banks are also quite different. However, the actual interest rate is generally based on the benchmark interest rate, and it is carried out by floating a certain proportion, which is roughly within the range of 10%-50%. 3. Since the central bank cut interest rates 10 on June 24th last year, the latest benchmark interest rates currently implemented by banks are: 4.35% for loans under one year, 4.75% for loans from one year to five years, and 4.9% for loans over one year. In 2022, banks will also implement this benchmark interest rate. As for the real interest rate of individual housing mortgage loan, banks will generally determine it according to the borrower's comprehensive qualifications and comprehensive housing situation. Or continue to do a good job in housing financial services to meet the improved housing needs of households, encourage banking financial institutions to continue to issue commercial personal housing loans and housing provident fund entrusted loans to support households to buy ordinary self-occupied housing. For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability. The paid employee families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%. Legal basis: Article 1 of the Notice on Issues Related to Individual Housing Loan Policy mentions that the minimum down payment ratio is adjusted to not less than 40% for households that own/kloc-0 apartments and the corresponding housing loans have not been settled, and the specific down payment ratio and interest rate level are reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.
4. What is the maximum amount of money that can be borrowed from the railway employee provident fund, and the maximum number of teenagers?
If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan. If the husband and wife combine housing provident fund loans, the maximum loan amount is 600,000 yuan. The maximum term of provident fund loans is 30 years.