Many people save some savings and use them to buy a house. As we all know, they can enjoy many discounts when they buy the first suite. But if they buy a second suite, they need to follow the second suite purchase policy. What are the loan policies of Wuhan second-home provident fund? What is the standard for identifying the second suite? Let's take a look with Bian Xiao! Rn 1. What are the policies for the second-home housing provident fund loan in Wuhan? Rn used the housing provident fund to buy two houses in Wuhan, and the maximum loan ratio was 40% of the total house price, and the maximum loan amount for the second housing provident fund was 500,000 yuan. At the same time, the deduction of housing provident fund loans was cancelled, which means that when buyers apply for housing provident fund loans again, they do not need to deduct the first-time housing provident fund loan amount. What are the criteria for determining the second suite and the second suite of Rn? rn 1。 If the buyer has a record of second-home loan, and one set of housing loan has been paid off, but the other set of housing loan is still in the repayment stage, when applying for a loan to buy a house again, it will be considered as second-home or above. If the loan has been purchased for 1 house and the loan has been paid off, it will be regarded as the first suite. Rn2。 If one spouse uses a commercial loan to buy a house before marriage, and the other spouse uses a housing provident fund loan to buy a house before marriage, he or she will apply for a loan to buy a house in the name of husband and wife after marriage. If the loan has been paid off, the bank will adjust the down payment ratio and loan interest rate according to the lender's credit and solvency. Rn3。 They are going to get married, but they haven't registered yet. One party has a house and the loan has not been paid off, while the other party has no real estate and no loan record. They bought a house together. Even if the party without a loan record applies for a loan, both of them are property owners, so when buying a house, they will be regarded as two houses. Rn summary: what are the relevant contents of Wuhan second-home provident fund loan policy? I hope I can help my friends in need. Before buying a house, everyone must understand the local purchase policy and go through the relevant formalities according to the regulations, so as not to affect the smooth progress of the purchase process.
Wuhan provident fund loan amount
According to Wuhan Housing Provident Fund Management Rules, the loanable amount of the borrower's housing provident fund is calculated according to the following four limit standards, and the minimum value is taken:
1. Not higher than the specified maximum loan limit.
For the purchase of the first set of housing, the maximum amount of housing provident fund loans is 600,000 yuan; When purchasing a second house, if the existing housing construction area of Wuhan employees' families is140m2 or less, the maximum loan amount is 500,000 yuan.
2. Not higher than the specified maximum loan ratio.
(1) If the first house is purchased as a first-hand house (including commercial housing, fund-raising housing and affordable housing), and the construction area of Xing Tao is less than 90 square meters (inclusive), the maximum loan ratio shall not exceed 80% of the total price; If the construction area of Xing Tao is over 90 square meters, the loan ratio shall not exceed 70% of the total house price.
When buying a second-hand house, the completion time of the purchased house is within 10 year (including 10 year), and the maximum loan ratio does not exceed 70% of the total house price; If the completion time of the purchased house is within 1 1-20 years (including 20 years), the maximum loan ratio shall not exceed 60% of the total house price; If the completion time of the purchased house is within 2 1-30 years (including 30 years), the maximum loan ratio shall not exceed 50% of the total house price.
(2) For the purchase of a second house, if the existing housing construction area of Wuhan workers' families is140m2 or less, the maximum loan ratio shall not exceed 40% of the total house price.
How much can Wuhan provident fund loan borrow?
The first set of Wuhan provident fund loans can be 900,000 yuan, the second set can also be 700,000 yuan, and the * * * can be 654.38+0.6 million yuan! According to the new policy of Wuhan Provident Fund, the maximum amount has been increased as follows:
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.
Wuhan housing provident fund loan amount will teach you to calculate in two minutes.
Users often ask Bian Xiao, what is the loan amount of Wuhan housing provident fund? Then, what is the loan amount of Wuhan housing provident fund now, and what policies are there about Wuhan housing provident fund? To this end, Bian Xiao summed it up for everyone:
Wuhan housing provident fund loan amount
1. The maximum loan limit of Wuhan Provident Fund is 600,000.
1) The maximum amount of the first home provident fund loan is still 600,000 yuan. The loanable ratio is as follows:
(1) The highest proportion of housing provident fund loans for purchasing the first self-occupied housing is the first-hand housing (including commercial housing, fund-raising housing and affordable housing): if the construction area is less than 90 square meters (inclusive), the highest proportion shall not exceed 80% of the total price of the purchased housing; If the construction area is more than 90 square meters, the maximum proportion shall not exceed 70% of the total price of the purchased house.
(2) The highest proportion of housing provident fund loans for purchasing the first self-occupied housing is second-hand housing: if the completion time of the purchased housing is within 10 year (including 10 year) and the construction area is below 90 square meters (including), the loan ratio shall not exceed 80% of the total house price at the highest; If the construction area is more than 90 square meters, the maximum loan ratio shall not exceed 70% of the total housing price; 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.
(III) The maximum proportion of housing provident fund loans for purchasing a second house (including first-hand houses and second-hand houses) shall not exceed 40% of the total housing price. According to the relevant provisions of the Notice of the General Office of the State Council on Further Improving the Regulation of the Real Estate Market (document the State Council 1 1),
2) The maximum amount of the second-home provident fund loan is "600,000 yuan, deducting the difference after the first housing provident fund loan."
For example, Mr. Zhang once used the provident fund loan of 200,000 yuan to buy the first suite, and now he meets the conditions for the second suite loan. However, the maximum loan amount for his second home should be 600,000 minus 200,000 used, which can only be 400,000.
Two, provident fund personal loan amount calculation formula
The loan amount of the lender shall not be higher than the loan amount determined according to the repayment ability. According to the regulations, each lender can make different loans according to the amount of provident fund, and the result needs to be calculated according to the amount, proportion and loan period. There are two calculation methods: (the minimum loanable amount in the following two calculation methods is personal loanable amount)
1) is calculated according to the actual repayment ability. The loan amount does not exceed the borrower's repayment ability, and the calculation formula is: loan amount = (borrower's monthly provident fund contribution/sum of units and individuals' contributions to spouse's provident fund/sum of units and individuals' contributions) ×45%× 12 months× loan period.
Loan life: 30 years for first-hand houses and 20 years for second-hand houses.
2) Calculated according to the housing provident fund deposit. The loan amount is comprehensively determined according to the borrower's provident fund deposit time and deposit balance, and the calculation formula is: loan amount = (borrower's provident fund deposit balance spouse's provident fund deposit balance) ×20 times× borrower's provident fund deposit time coefficient; Provident fund deposit account must be a normal deposit account.
Provident fund calculator:
Wuhan provident fund loan policy
Interpretation of the new policy of Wuhan provident fund loan;
The loan amount of Wuhan provident fund was raised and the deposit time was shortened to 6 months.
Wuhan provident fund loan conditions relaxed
1. Parents who have not paid the provident fund but have housing difficulties can apply for provident fund loans in the name of their children if their children pay the provident fund normally when purchasing affordable housing; Parents and children can also apply for provident fund loans when purchasing affordable housing together. But two conditions must be met at the same time: first, they must be immediate family members living in the same household (based on the household registration book); Second, the real estate owner or property owner must issue a written agreement to mortgage the house and notarize it.
2. The deposit time of provident fund is adjusted from continuous deposit 12 months (including 12 months) to 6 months (including 6 months). Employees who are in normal deposit state when applying for loans and have not withdrawn housing provident fund for more than 6 months can apply for provident fund loans.
3. If the monthly contribution of employee provident fund reaches 800 yuan (including unit subsidy) and above, the highest proportion of provident fund loans can be applied for provident fund loans according to 70% of the total housing price (80% for houses below 90㎡).
4. Borrowers who apply for portfolio loans are allowed to voluntarily choose to repay commercial loans or provident fund loans when applying for repayment of provident fund loans under normal repayment conditions.
The proportion of second-hand housing loans is divided into three grades.
Second-hand housing loans are limited to houses built after 1980, and the maximum loan ratio is divided into three grades according to the year of building construction: houses built after 1980- 1989, and the maximum loan ratio does not exceed 50% of the assessed price; Houses within the range of 1990- 1999 shall not exceed 60% of the appraised price; Houses built after 2000 (inclusive) shall not exceed 70% of the appraised price (50% if the monthly contribution of provident fund is below 800 yuan). When the appraisal price of the second-hand house is inconsistent with the transaction price, the one with low value shall prevail.
It is more convenient to transfer commercial loans to provident fund loans.
1. The borrower of the loan shall complete the property ownership certificate and the state-owned land use right certificate before applying for commercial loan to provident fund loan; Mortgage faster housing, no longer lending.
2. If the original commercial loan has been insured for mortgaged property, the sub-lender voluntarily chooses whether to change the mortgaged property insurance.
3. Adjust the acceptance criteria of bad credit records caused by the borrower's non-malicious default on loans, and the adjusted cumulative overdue times shall not exceed 3 times (including 3 times) or the longest overdue time shall not exceed 2 periods (including 2 periods).
4. If the provident fund has been withdrawn from the same house, you can apply for a commercial loan to a provident fund loan after three years of continuous normal deposit of the provident fund from the date of withdrawal.
The above is the loan amount and loan policy of Wuhan Housing Provident Fund compiled and summarized by Bian Xiao. I hope I can help you.
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What are the housing policies of Wuhan provident fund?
At present, most enterprises will pay provident fund for their employees. For those who borrow money to buy a house in the future, the interest is much lower than that of commercial loans, so this is a great benefit for office workers. Of course, if you don't want to buy a house, you can take it out at one time. So what are the policies of Wu Hanyou provident fund to buy a house? Let's take a look at Bian Xiao.
What are the housing policies of Wuhan provident fund?
If you buy a house in this way in this area, the maximum loan for the first suite can reach 700 thousand yuan, and the maximum loan for the second suite can reach 500 thousand yuan; At the same time, the provision of "deduction" of provident fund personal housing loans has been cancelled, that is, when employees' families apply for provident fund loans again, they will no longer deduct the first-time use of provident fund loans; In addition, the provident fund personal housing loans accepted before are still implemented according to the original policy, and the provident fund personal loans accepted since May 1 are implemented according to the new policy.
Provident fund loan object
According to relevant regulations, employees have continuously paid Wuhan Provident Fund for 6 months. In addition, the opening time of the employee's individual housing provident fund deposit account is 180 days from the loan application time.
Provident fund loan conditions
The borrower must have legal identity documents, have full capacity for civil conduct at the same time, and have good credit records of the borrower and his spouse, which meet the auditing standards for provident fund loans; Have a stable economic income and the ability to repay the principal and interest of provident fund loans on time; There is a real purchase behavior, and in addition to housing commercial loans to housing provident fund loans, the purchase behavior generally occurs within one year; The ownership of the purchased house is clear, the procedures are legal and complete, and there is no law.
What is the information about provident fund loans?
I. New house
1. The original and photocopy of the ID card and household registration book of both husband and wife of the borrower;
2. Original and photocopy of marital status certificate;
3. The original and photocopy of the house purchase contract and down payment receipt;
4. Other supporting materials required by the lending bank.
Second, second-hand housing.
1, original and photocopy of ID card and household registration book of both husband and wife;
2. Original and photocopy of marital status certificate;
3. Original and photocopy of real estate license and state-owned land use certificate;
4. Wuhan stock house sales contract;
5. The housing appraisal report issued by the housing appraisal institution recognized by the management center;
6. Other certification materials required by the management center and the entrusted bank.
Summary: Well, the above is an introduction to the housing purchase policy of Wuhan Provident Fund. I hope I can give you some help. I believe that in the process of understanding the housing purchase policy of Wuhan provident fund in the future, friends will be more handy and get their own satisfactory answers.
What is Wuhan mortgage policy?
Before buying a house in Wuhan, many people will pay attention to the local mortgage policy, such as how much down payment is required to apply for a housing loan, what is the interest rate of the mortgage, and whether there are any concessions. So what is the mortgage policy in Wuhan? Next, Bian Xiao will briefly introduce it to you.
1. According to the relevant policies and regulations of Wuhan property market, I have no room in Wuhan and have not applied for a loan. When buying the first house, the minimum down payment ratio is 30%, and the minimum down payment ratio of the second house is 50%. If you buy an unconventional house, such as a high-end house with a building area of more than 144 square meters, the minimum down payment ratio is 70%. If you buy a shop, the minimum down payment ratio is 50%, and the maximum loan can only be 10 years.
2. At present, Wuhan's non-restricted areas implement the policy of recognizing loans and not recognizing houses. Only after paying off the mortgage, can you apply for a house again as the first home, and the minimum down payment ratio is 20%. If you buy two houses, the minimum down payment ratio is 40%. You can't get a loan if you buy a third house in a non-restricted area.
3. The mortgage in Wuhan also needs to look at the relevant policies of local banks. Banks such as Bank of China, Postal Savings Bank and Agricultural Bank of China implement the benchmark interest rate for the first suite, and the second suite rises by about 10- 15%. Among them, Minsheng Bank, Industrial and Commercial Bank of China and other first suites can enjoy a 15% discount on interest rates. Specific loan interest rates and discounts need to be consulted with the bank.
4. If you apply for a provident fund loan, the minimum down payment ratio for purchasing the first suite is 20%, and the maximum loan amount can reach 700,000. The minimum proportion of buying a second suite is 30%. You can apply for a loan of up to 500 thousand.
Regarding Wuhan's mortgage policy, Bian Xiao will briefly introduce it here. I hope that after reading this article, I can provide you with reference. When applying for a housing loan, you can ask about the mortgage policies of several banks and apply for a housing loan from the local bank with the lowest down payment and the most favorable interest rate.
About the new policy of Wuhan provident fund loan and how much can Wuhan provident fund loan? This concludes our introduction. I wonder if you found the information you need from it?