Hello,
You can't use provident fund loans for apartments.
Satisfied with the answer,
Please adopt,
Thank you.
Second, Hunan provident fund loan policy
Legal analysis: 1. Resume the off-site loan business for employees to purchase self-occupied housing in Changsha in other centers in the province (including Changsha, Liu Wang and Nanjing), and the off-site loan policy shall be implemented with reference to the central loan policy of Changsha.
2. For the first purchase of the first set of ordinary self-occupied housing, the down payment ratio of housing provident fund loans shall not be less than 20%.
3. If the per capita construction area does not meet the standard of per capita construction and housing area in this Municipality, the down payment ratio will be reduced from 50% to 40%, and the interest rate will rise 10%.
4. Buy a finely decorated house and apply for a personal housing provident fund loan. For the first suite, the down payment ratio shall not be less than 40%, and for the second suite, the down payment ratio shall not be less than 50%.
5. Adjust "the monthly repayment of loan principal and interest by the borrower shall not exceed 45% of the monthly salary income of the borrower and its spouse" to "the monthly repayment of loan principal and interest by the borrower shall not exceed 50% of the monthly salary income of the borrower and its spouse".
6. If the borrower pays the housing provident fund through an agency, the borrower can normally pay the housing provident fund in the center for more than 24 months (including 24 months), and if there is no interruption or transfer during the period, it can be exempted from providing the social security payment certificate.
7. Cancel the time limit of 6 months after the settlement of the previous housing provident fund loan.
Judging from its adjustment announcement and contents, the restrictions on individual housing loans of housing provident fund in Hunan Province have been relaxed as a whole, but tightened in some places. For example, if the per capita construction area does not reach the standard of per capita construction housing area in this city, the down payment interest rate will rise to better match the purchase restriction policy of Changsha property market.
Legal basis: Notice of People's Republic of China (PRC) and Hunan Province on Adjusting Some Housing Provident Fund Policies.
I. Adjusting some loan policies
(1) The time for borrowers to apply for loans after purchasing, constructing, renovating and overhauling their own houses is adjusted from 2 years before applying for loans to 1 year.
(2) If the borrower purchases a second-hand house and applies for a housing provident fund loan or a bank mortgage loan to a provident fund loan, the age of the mortgaged property and the sum of the age of the mortgaged property and the loan period will no longer be limited, but the loan period will not exceed the remaining service life stipulated by the state, and the suite must be able to handle the mortgage registration formalities normally.
(3) If the property transferred from the business to the public fails to issue a certificate of immovable property rights, the mortgaged property is no longer limited to the borrower, spouse and immediate family members, and other properties that meet the mortgage conditions can also be mortgaged.
(four) the proportion of the borrower's monthly repayment of loan principal and interest in the monthly salary income of the borrower and its spouse is adjusted from no more than 55% to no more than 50%. If the borrower currently has other loans, these loans will be included in the calculation of monthly repayment principal and interest.
Second, adjust the partial extraction policy.
(1) If the amount of mortgage loans purchased by employees with their own houses exceeds the total purchase price (subject to the taxable amount approved by the deed tax payment certificate), it is no longer prohibited to repay the loans.
(two) workers' families have both housing provident fund loans and commercial bank loans, and the balance of housing provident fund should be used to repay the housing provident fund loans first. Before the housing provident fund loan is paid off, the housing provident fund shall not be withdrawn to repay the principal and interest of the commercial bank loan.
(three) employees can entrust their immediate family members in the same household registration book to withdraw housing provident fund on their behalf. In addition to providing the extracted basic information, it is also necessary to provide the personal ID card of the agent and the household registration book that can prove lineal relatives.
Third, adjust some extracted data.
(1) When employees purchase commercial houses and affordable houses developed by real estate development companies, the purchase price invoices (receipts) will be adjusted to ordinary purchase value-added tax invoices in the application extraction information.
(2) If the employee fails to continue to deposit after leaving the company and the account has been sealed for half a year, it is no longer required to provide the contract (or resignation certificate) for dissolving or terminating the labor relationship with the unit.
(3) If an employee applies to quit a foreign country, Hong Kong, Macao and Taiwan, it is no longer necessary to provide a contract (or resignation certificate) for dissolving or terminating the labor relationship with the unit.
(4) In the information required for the extraction of new elevators, the copies of the construction project planning permit, the construction project construction permit and the installation notification filing certificate are uniformly changed to the Joint Filing and Completion Acceptance Form for New Elevators in Existing Multi-storey Residential Buildings in Changsha.
3. What are the loan conditions of Changsha Provident Fund?
Materials required for housing provident fund loans:
1. Household registration book of the borrower and his spouse;
2. Resident identity cards of borrowers and their spouses;
3. Proof of the marital status of the borrower;
4. Proof of down payment for house purchase;
5. proof of income;
6. The credit status report of the borrower and his spouse printed by the bank;
7. Housing sales contracts or agreements that meet the legal requirements.
Housing provident fund handling conditions:
1. Individuals and their units must pay the housing accumulation fund continuously for one year;
2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
Housing accumulation fund handling process:
1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
2. After receiving the application, the loan bank shall confirm and review the information;
3. After the audit, the lending bank will contact the lender and sign relevant contracts;
4. For bank loans, the lender shall fulfill the repayment obligations.
Four, Changsha provident fund loan details?
65438+1On October 25th, Changsha Housing Provident Fund Management Center announced the individual loan ratio of Changsha in 2020, clearly indicating the "individual loan ratio" of Changsha housing provident fund at the end of 2020.
The new policy will be implemented from February 1. If the loan information has entered the window before implementation, it shall be implemented according to the original policy.
According to the latest policy, the balance of the husband and wife's housing provident fund account is 40,000 yuan, and if other conditions are met, the maximum loan can be 600,000 yuan.
/kloc-in 0/5, Xiaotang returned to Changsha from Shenzhen for development. Through his efforts in recent years, he not only saved enough down payment for buying a house, but also qualified to buy a house in Changsha. He has been looking at the house all this time, and he is also very happy to hear that the new provident fund policy has been introduced.
"I calculated an account myself. For a house I like, using provident fund loans will save 200,000 yuan compared with commercial loans, which is still a big sum for me." Xiaotang said that he had thought about commercial loans before, but considering that provident fund loans have many advantages in loan interest rate and loan ratio, and the balance of provident fund accounts has exceeded 40,000 yuan in recent years, which meets the conditions of 600,000 top loans.
It is understood that the personal loan ratio of Changsha Housing Provident Fund at the end of 20 19 is 94.66%, and the employee loan amount is calculated according to the sum of the balance of the housing provident fund account deposited by both husband and wife in Changsha Housing Provident Fund Management Center; By the end of 2020, the "individual loan rate" of Changsha housing provident fund was 83.9%, with the range of 80%-85%. The employee loan amount is calculated according to the sum of the balance of the housing provident fund account deposited by the borrower and the husband and wife in Changsha Housing Provident Fund Management Center.