(1) prerequisites for applying for provident fund loan
In Wuhan Housing Provident Fund Management Center and its sub-centers (hereinafter referred to as the "Management Center"), employees who have paid the housing provident fund in full and normally for 6 months or more can apply for provident fund loans or portfolio loans when purchasing owner-occupied housing.
(2) the amount and proportion of first-hand housing provident fund loans
1. If the first-hand housing provident fund loan is used to purchase the first house, the maximum loan amount is 600,000 yuan, and the following conditions are met:
① The loan amount shall not exceed 70% of the total price of the house purchased (80% may be relaxed if the building area is less than 90 square meters);
② If the borrower pays the housing provident fund unilaterally and normally, the loan amount generally does not exceed 50% of the total price of the house purchased, but if the monthly deposit amount of the provident fund reaches 1400 yuan (the specific amount is subject to the data published by the management center), it can be relaxed to not exceed the proportion specified in the first paragraph above on the basis of considering its repayment ability.
2. If you use the first-hand housing provident fund loan to buy two houses, the maximum loan amount is 500,000 yuan, and the maximum loan amount does not exceed 40% of the total house price.
1, 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.
2. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
3. Buying a house with a provident fund mortgage loan, the bank's repayment method will be more flexible than buying a house with a commercial loan. The borrower can determine the monthly repayment amount by himself, provided that the monthly repayment amount is not lower than the minimum repayment amount stipulated by the bank. In this way, the borrower can make a reasonable and feasible repayment plan according to his own economic strength, which is convenient for the borrower to arrange his monthly economic expenditure. For prepayment of provident fund mortgage loan, the borrower can repay part or all of the loan principal and interest in advance without paying any liquidated damages.
Wuhan: The interest rate of the first home provident fund loan is lowered by 0. 15 percentage point.
On June 65438+1October 1 1, Wuhan issued a notice on adjusting the interest rate of the first home provident fund loan.
According to the regulations of the People's Bank of China on lowering the interest rate of the first set of personal housing provident fund loans, the interest rate of the first set of personal housing provident fund loans will be lowered by 0. 15 percentage points in 2022, and the interest rate of the first set of personal housing provident fund loans for less than five years (including five years) will be adjusted from 2.75% to 2.6%, and the interest rate of the second set of personal housing provident fund loans will be adjusted from 3.25% for more than five years.
After June 65438+1October 65438+ 10 (inclusive) in 2022, the interest rate of the first individual housing provident fund loan is adjusted.
For the first set of unexpired individual housing provident fund loans issued before June 65438+1 October 1 in 2022, the interest rate of the second set of individual housing provident fund loans will remain unchanged from June 65438+1October/in 2023.
It is also known that on the evening of September 29, the central bank and the China Banking Regulatory Commission issued a notice that before the end of 2022, in cities where the price of new houses continued to decline from June to August, local governments could decide to maintain, lower or cancel the lower limit of the first home loan interest rate. Previously, the interest rate of the first home loan implemented in various places was 5-year LPR(4.3%)-20bp, that is, the lower limits of interest rates for less than 5 years and more than 5 years were 4. 1% and 4.9% respectively.
According to the calculation of the housing price index of 70 large and medium-sized cities by the Bureau of Statistics, 23 cities meet the requirements of the New Deal, including 8 second-tier cities and 15 third-tier cities. In addition to 70 large and medium-sized cities, there are still many third-and fourth-tier cities where house prices continue to decline, which is in line with the requirements of the New Deal.
On June 7th, 10, a property consultant in Wuhan advertised in a circle of friends that "the interest rate of the first home loan in Wuhan started to be implemented at 3.9%". Many banks in Wuhan also revealed that the interest rate of the first home loan has dropped to 3.9%.
What is the standard for determining the first suite in Wuhan?
If you plan to buy a house in Wuhan, you must have an understanding of the criteria for the identification of the first suite. But for most new buyers, they may not know much about it. But don't worry, let me give you a brief introduction to this problem.
What is the standard for determining the first suite in Wuhan?
1, the loan has been bought 1 suite, the commercial loan has been paid off, and then the loan is used to buy a house-the first set is counted.
2. I bought the 1 suite with a loan and later sold it. You can't find the property in the house registration system, but you can find the loan record in the bank credit information system, and then borrow money to buy a house-the first set.
3. Buy 1 suite in full, and then borrow money to buy a house-the first set.
4. I bought the 1 suite in full, and later sold it, but I couldn't find the property in the house registration system, so I borrowed money to buy a house-the first set.
5. There are commercial loan records of 2 suites in the personal name, all of which have been paid off and sold. At the same time, you can show the proof of sale of two houses, and then borrow money to buy a house-the first set.
6. The commercial loan in the personal name of 1 apartment has been settled, and another set of provident fund loan has been sold. At the same time, I can show the proof of sale of the house, apply for a commercial loan and buy a house again-the first set is counted.
7. Husband and wife, one party has a house before marriage but no loan record, the other party has a loan record before marriage but no house under his name, and applies for a loan to buy a house after marriage-the first set is counted.
What problems should I pay attention to when buying a house in Wuhan?
1. If you plan to buy a house in Wuhan, you must first ask the location of the house. If circumstances permit, field testing is recommended. In the process of buying a house, the primary concern must be the location, including the school district and surrounding facilities, such as supermarkets, food markets, commercial buildings and so on. Of course, transportation is also essential. In addition, you need to know the future planning, delivery time, residential landscape, floor area ratio and so on. Generally speaking, the smaller the plot ratio, the better.
2. Secondly, notarization should be done well when handling the transfer procedures of housing property rights. If you buy a second-hand house, you need to carefully check the contents and terms of the contract. During the visit, we should also pay attention to whether the water, electricity, gas, television and other electrical appliances in the house can be used normally.
Editor's summary: After reading the above introduction, I believe everyone has a further understanding of the identification standard of the first suite in Wuhan. Please continue to pay attention to our website for more information, and more exciting content will be presented to you later.
Can Wuhan provident fund borrow tens of thousands at most?
The maximum loan amount of Wuhan Provident Fund is determined according to the following circumstances:
1, the maximum amount of the first housing provident fund loan is 700,000 yuan;
2. The maximum amount of the second housing provident fund loan shall not exceed 500,000 yuan.
The specific loan amount will be affected by factors such as the balance of deposits, the length of deposits, the amount of monthly deposits, and the deposits of one or both parties. The parties can directly consult the local housing provident fund management center.
Regulations on the administration of housing provident fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Wuhan provident fund loan amount
Maximum amount of housing provident fund loan in Wuhan
1. If the paid employee's family uses the housing provident fund loan to purchase the first set of ordinary self-occupied housing (including business transfer), the maximum loan amount is 900,000 yuan;
2. Purchase a second set of improved self-occupied housing with a maximum loan of 700,000 yuan.
Loan ratio
1. The maximum loan ratio for purchasing a first-hand house is: if the construction area is below 144 square meters (inclusive), the maximum loan ratio shall not exceed 80% of the total price of the house purchased; If the construction area is above 144 square meters, the maximum proportion shall not exceed 70% of the total price of the purchased house.
2. The maximum loan ratio for purchasing the first second-hand house is: the completion time of the purchased house is within 10 years (inclusive), the maximum loan ratio is below 144 square meters (inclusive), the maximum loan ratio does not exceed 80% of the total price of the purchased house, and the maximum loan ratio does not exceed 144 square meters. The completion time of the purchased house is within 1 1-20 years (including 20 years), and the maximum loan ratio does not exceed 60% of the total house price; The completion time of the purchased house is within 2 1-30 years (including 30 years), and the maximum loan ratio does not exceed 50% of the total house price. The determination of the total housing price shall be based on the housing appraisal price, transaction price and the lowest price in taxable value.
3. The maximum loan ratio of the second-home provident fund loan is implemented with reference to the first-home loan ratio;
4. The loan amount transferred to the provident fund shall not be higher than the highest proportion of the above-mentioned first-hand housing and second-hand housing loans.
The conditions and requirements for the first and second suites of Wuhan provident fund loans have come to an end. I wonder if you have found the information you need?