Beijing bought a house of 7 million yuan and got a universal loan of about 3.03 million yuan. For the first ordinary house with the first loan, the first loan can be 65%, including agency fees and taxes, and at least 40% of the total price is set aside as the down payment. A set of 7 million houses, the online signing price is 4.67 million 65%, the loan limit is 3.03 million, and the down payment is 3.97 million.
How much is the maximum loan for Beijing provident fund to buy a house?
1.2 million. Under normal circumstances, the single maximum amount of Beijing housing provident fund loan is 6.5438+0.2 million yuan.
Under the premise of ensuring the withdrawal of paid employees, the housing provident fund will give priority to meeting the loan demand for purchasing the first set of self-occupied housing. From 20 1 5,65438+10,1,the loan applicant purchases policy-oriented housing or the first self-occupied housing with a construction area of 90 square meters or less, and the maximum loan amount is adjusted to1.2000 yuan, and the maximum loan amount is still 800,000 yuan for non-policy housing or the second housing with a construction area of 90 square meters or more.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
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, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
1. The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
5. Housing accumulation fund is a personal housing savings fund specially used for housing consumption expenditure stored by employees according to regulations, which has two characteristics.
Beijing housing loan policy
1, the longest term of housing loan: 25 years; 2. Housing loan interest rate: LPR, 55 basis points for the first set and 105 basis points for the second set; 3, the first set of housing loans to buy ordinary housing, down payment of more than 35%; 4, the first set of housing loans to buy non-shared housing, down payment of more than 40%; 5. The first house with a mortgage record buys an ordinary house with a down payment of more than 60%; 6.
Beijing applies for provident fund loan to buy a house. How to calculate the loan amount?
According to the current provident fund loan policy stipulated by the Provident Fund Management Center, as long as there is no Beijing household registration, you can apply for provident fund loans directly according to the "first set". The maximum loan amount is 6.5438+0.2 million. If you apply for the "second set", the maximum loan amount is 800,000.
1. How much can I borrow from municipal or central provident fund loans?
The individual deposit of the borrower will affect the loan amount of the municipal and zhongzhi provident funds.
1. How to calculate?
Single borrower: (individual payment ÷ payment ratio-1323)÷ monthly repayment amount in the corresponding year.
The borrower is married: (individual contribution ÷ contribution ratio -2646)÷ monthly repayment amount of corresponding years.
note:
(1)1323 yuan refers to the personal minimum living standard recognized by the provident fund management center.
② The "average monthly repayment amount of corresponding years" can be found through the comparison table of equal monthly repayment amount of loans provided by the provident fund center, and the corresponding average monthly repayment amount can be intuitively obtained according to the loan years.
Note: The average monthly repayment shown in the table corresponds to a loan of 6,543,800 yuan.
2. How to quickly judge whether you can borrow 6.5438+0.2 million yuan?
1) If you are single:
A person's deposit is less than 627 yuan, and the longest loan can be 25 years. The maximum loan amount is less than 800,000 yuan;
B Personal deposit is more than 627 yuan, the longest loan is 25 years, and the loan is 800,000 yuan;
C personal deposit is 86 1 yuan or above, and the longest loan can be 25 years10.2 million yuan;
2) If you are married:
A deposit of less than 785 yuan, the longest loan for 25 years, the maximum loan amount of less than 800 thousand yuan;
B deposit more than 785 yuan, the longest loan is 25 years, and the loan is 800 thousand yuan;
C deposit 1.0 1.9 yuan and above, with a maximum loan of 25 years and a loan of 1.2 million yuan;
2. How much can the state-managed provident fund loan borrow?
Borrowers who apply for state-managed provident fund loans need to make a trial calculation to know their loanable amount. The main ways of trial calculation are: on-site trial calculation and trial calculation by logging in the state-managed provident fund in official website. 1. On-site trial loan amount:
1) People who need to be present: the principal borrower;
2) Materials to be carried: ID card (married people need to carry ID cards of both husband and wife);
3) Trial address: No.8, Houjie, Art Museum, Dongcheng District, Beijing, namely Dongsi Sub-branch of China Construction Bank opposite to Beijing Hospital of Traditional Chinese Medicine. 2 through the national provident fund official website trial:
Workers who have paid in the state management can log on to the website of the housing fund management center of the central state organs, the column of "personal loan inquiry", or entrust a bank loan handling outlet to try out the personal loan amount of the housing provident fund and inquire about the progress of loan handling. The specific amount of housing provident fund personal loans shall be subject to the examination and approval results.
Personal loan inquiry can not only try out the loanable amount of provident fund, but also inquire account information and modify password.
1) Password registration is required for the first login. When registering, fill in the employee account number, ID number and employee name, and then click the password to register. After registration, you can log in to the system with the set password.
When entering the ID number, the letters you encounter should be capitalized.
2) Click on the trial loan amount and enter personal identification information (marital status, monthly income, credit status, debt status, housing units, etc.). ), provident fund account information (whether provident fund loans have been withdrawn), and purchased housing information (housing purpose, total housing price and housing type).
The borrower must fill in every item of information accurately (all items are required), otherwise the calculation result may be wrong.
3) Click Submit to calculate the maximum loan amount.
Note: If the balance of the provident fund account is less than 70,000, the borrower who applies for the national provident fund loan can calculate it as 70,000, and the minimum loan with sufficient deposit can be 700,000.
Source: Beijing Housing Provident Fund Management Center
This content is only applicable to Beijing.
So much for the introduction of how much you can borrow to buy a house in Beijing.