1. Shanghai provident fund loan application conditions: 1. Purchase owner-occupied housing with ownership in cities and towns of this city; 2. Deposit the housing provident fund normally 6 months before applying for a loan; 3. The borrower's family has no outstanding housing provident fund debt. 2. Shanghai provident fund loan processing location: if you apply for a pure provident fund personal housing loan, the borrower can handle it at the business outlet of Shanghai Housing Property Guarantee Co., Ltd.; If the amount of the provident fund loan is insufficient, the borrower may apply for a portfolio loan at each business outlet of the bank entrusted with the housing provident fund personal housing loan business. Three. Shanghai Provident Fund loan process: the borrower applies for a loan at the accepting outlets-the accepting outlets handle the property status inquiry under the family name-the accepting outlets accept-sign a contract-examine and approve-the real estate trading center handles the mortgage registration formalities-the bank lends money. Four. Time limit for Shanghai provident fund loan processing: the loan application materials are complete, and the review time limit does not exceed 10 working days; In line with the loan conditions, the accepting institution shall not extend the loan for more than 5 working days after receiving the "Real Estate Mortgage Registration Certificate". In addition, we should pay attention to the following issues: 1. When handling a pure provident fund loan, the identification of the first self-occupied housing and the improved second housing is based on the premise that the borrower's family (including the borrower, spouse and minor children) has no complete housing registration; The identification of purchasing an improved second house is based on the fact that the borrower's family (including the borrower, spouse and minor children) only holds one house in the registration information of the housing management department, and the per capita housing construction area is lower than that announced by the statistics department last year. The purchase of * * * housing with property rights protection is determined according to the first set of housing. 2. Relocation of property houses requires cash to make up the over-resettlement fee. Can I apply for a pure provident fund loan for the over-resettlement fee? To apply for pure provident fund loans for the relocation of property houses, in addition to meeting the application conditions for common commercial housing provident fund loans, it is necessary to obtain the written consent of the relocation team, and the purchased houses can be registered as mortgages. If it belongs to the nature of demolition and resettlement, and the house transfer transaction has a certain limited period, such houses are not allowed to apply for housing provident fund purchase loans during the restricted transfer transaction period.
Is Shanghai affordable housing provident fund loan feasible? What is the difference between Shanghai's affordable housing provident fund loan and the general commercial housing provident fund loan operation process? Today, I will give you a detailed list of the implementation details of the Shanghai affordable housing provident fund loan. I believe that after reading it, there will be no similar problems.
Shanghai issued detailed rules for purchasing affordable housing loans from provident fund, stipulating that borrowers must meet the conditions for applying for affordable housing and provident fund loans, and the down payment ratio for purchasing affordable housing loans from the borrower's spouse and affordable housing owners is set at 600,000 per household.
Detailed Rules for the Implementation of Shanghai Affordable Housing Provident Fund Loan
Article 1 (Purpose and Basis) In order to speed up the construction of Shanghai's housing security system and improve the ability of low-and middle-income workers in this city to buy affordable housing, according to the relevant national laws and regulations, the Measures for the Administration of Individual Housing Loans of Shanghai Housing Provident Fund (Hu Fufa [1999] No.27) and the Trial Measures for the Administration of Affordable Housing in Shanghai (Hu Fufa [2009] No.29).
Article 2 (Definition) The term "housing provident fund loans for individuals to purchase affordable housing" as mentioned in these Detailed Rules (hereinafter referred to as "housing provident fund loans for affordable housing") refers to housing provident fund loans for borrowers who meet the requirements for purchasing affordable housing and apply for housing provident fund loans for affordable housing.
Article 3 (Conditions for Loan Application) A borrower shall meet the following loan conditions at the same time:
(a) in line with the conditions for the purchase of affordable housing in this Municipality, and has signed the "Shanghai Pre-sale Contract for Affordable Housing" in accordance with relevant regulations;
(two) in line with the existing housing provident fund personal housing loan conditions.
Article 4 (* * * Same Borrower) In order to improve the fund-raising ability of families who purchase affordable housing, in addition to the borrower, the borrower's spouse and the owner of affordable housing should be the same borrower as the housing provident fund for affordable housing loans. The affordable housing other than the immediate blood relatives of the borrower and the property owner is the same as that of the applicant, and can be used as the borrower of the housing provident fund affordable housing loan with my consent. * * * The borrower shall meet the application conditions for housing provident fund loans at the same time.
Article 5 (Determination of Loan Amount) The calculation method of the loan amount of each household's housing provident fund affordable housing is based on the household, and the borrower and * * * together with the borrower calculate the loan amount separately and accumulate it. The specific loan amount is determined according to the application amount of the borrower and * * * and the current loan limit standard. The amount of housing provident fund affordable housing loans for each household shall reach the following limits:
(a) not higher than the loan limit determined by the borrower and the borrower according to the multiple of the storage balance of their respective housing provident fund accounts;
(two) the down payment ratio is not less than 20% of the total house price;
(3) Not higher than the loan limit determined according to the repayment ability. The calculation formula is as follows: the borrower, * * * and the borrower calculate the monthly contribution of housing provident fund, salary base × specified ratio × 12 months× loan period;
(4) Not higher than the maximum loan amount. The maximum loan amount for each family housing provident fund affordable housing is 600,000 yuan.
Article 6 (Supplementary Repayment) When the borrower of housing provident fund affordable housing loan has difficulties in repayment, the borrower and the borrower may apply to Shanghai Provident Fund Management Center (hereinafter referred to as "Shanghai Provident Fund Center") for supplementary repayment. The scope of supplementary repayment includes: parents, children, brothers and sisters of the borrower. With the consent of the supplementary repayment person and the approval of the municipal provident fund center, after signing the relevant supplementary agreement, the balance of the housing provident fund deposited by the supplementary repayment person can be used to repay the housing provident fund affordable housing loan.
Article 7 (Provision of Materials) When applying for housing provident fund loans for affordable housing, the borrower shall provide the Shanghai Pre-sale (Sales) Contract for Affordable Housing (original) in addition to the materials that should be provided for the current loan application.
To apply for increasing the housing provident fund to supplement the repayment of affordable housing loans, the account number, ID card (original) and proof of the relationship with the borrower should also be provided.
Article 8 (Loan Accepting Unit) The district and county management departments of the Municipal Provident Fund Center, the housing provident fund online loan system and the handling outlets of the guarantee institutions entrusted by the Municipal Provident Fund Center to undertake the personal loan business of housing provident fund may accept applications and handle the work of affordable housing loans in this Municipality.
Article 9 (Loan Audit) The acceptance and audit of housing provident fund affordable housing loans shall be conducted according to the following steps:
(a) the loan acceptance unit to review the borrower's housing provident fund affordable housing loan application materials.
(two) the loan accepting unit shall complete the audit work within 2 working days after the loan applicant submits the loan application materials.
(3) If a loan is issued, the loan accepting unit shall notify the loan applicant to go through the signing formalities, and issue a loan notice to the entrusted bank, and the entrusted bank shall go through the loan formalities; If the loan is not approved, notify the loan applicant and return the materials.
(four) if the loan applicant has any objection to the loan acceptance result, he may apply for reconsideration to the municipal provident fund center through the loan acceptance unit.
Article 10 (Signing of Contract) The borrower, * * * and the borrower, the entrusted bank and the guarantor sign the "Shanghai Housing Provident Fund Individual Purchase of Affordable Housing Guarantee Loan Contract" in a face-to-face manner. The signatory of a contract must have full capacity for civil conduct.
Article 11 (Loan Guarantee) Housing provident fund affordable housing loans shall be guaranteed, and the guarantee institution shall be the guarantor of joint liability for repayment. The borrower and the borrower shall mortgage the property right of the purchased affordable housing in full to the guarantee institution as a counter-guarantee.
Article 12 (Prevention of Loan Risks) The loan accepting unit shall conduct the audit of housing provident fund affordable housing loans in strict accordance with the above provisions; The loan management department should strengthen the management and supervision before, during and after the loan; The loan guarantee institution shall, according to the requirements of business entrustment, do a good job in loan guarantee and loan follow-up.
Article 13 (Withdrawal before Lending) After the borrower has paid more than 20% of the total price of the purchased affordable housing, he can apply to the Municipal Provident Fund Center to withdraw the storage balance in the housing provident fund account of himself and the eligible * * * extractors to pay the purchase price of affordable housing other than loans. After withdrawal, the borrower's housing provident fund account should have a certain balance to ensure that the calculation of the housing provident fund affordable housing loan amount is not affected.
Article 14 (Other Matters) _ Matters not covered in these Detailed Rules shall be implemented in accordance with the relevant provisions of this Municipality's housing provident fund loans and the provisions of the Shanghai Housing Provident Fund Individual Purchase Guaranteed Housing Loan Contract.
Article 15 (Organization and Implementation) The Municipal Provident Fund Management Center shall be responsible for interpreting and organizing the implementation of these Detailed Rules.
Article 16 (Implementation Time) _ These Detailed Rules shall come into force as of the date of promulgation, and the Detailed Rules for the Implementation of Individual Purchase of Affordable Housing Loans by Shanghai Housing Provident Fund (Trial) shall be abolished at the same time.
Shanghai's latest mortgage policy
1. Commercial loan
(1) If a resident family purchases the first home (that is, there is no home in this city under the name of the resident family and there is no commercial housing loan record or provident fund housing loan record) and applies for a commercial personal housing loan, the down payment ratio shall not be less than 35%.
(2) If there is 1 apartment in this city, but there is no room in this city but there is a record of commercial housing loan or provident fund housing loan, the down payment ratio of commercial loans shall not be less than 50%; For the purchase of non-ordinary self-occupied housing, the down payment ratio of commercial loans shall not be less than 70%.
2. Provident fund loans
(1) The down payment ratio of provident fund is still 30% (the housing area is greater than 90 square meters), and the down payment ratio of paid employees' families who have purchased the first house with an area of 90 square meters or less and have never used the provident fund is 20%.
(2) Increase the down payment ratio of the second improved house purchase to 50% for ordinary commodity housing and 70% for non-ordinary commodity housing, and increase the loan interest rate of the second ordinary commodity housing by10%; The personal loan ceiling for two sets of ordinary commercial houses was lowered by 654.38+10,000 yuan.
(3) Stop issuing loans to employees' families who have had two provident fund loans.
(4) The multiple of the loan amount determined by the borrower according to the balance of the provident fund deposit account is reduced from 40 times to 30 times.
(5) Strictly implement the calculation ratio of repayment ability of the Ministry of Housing and Urban-Rural Development, and reduce the monthly repayment amount to no more than 40% of the wage base.
Tip: the difference between ordinary houses and non-ordinary houses in Shanghai.
Ordinary housing should meet the following three standards: room type, transaction price and construction area. Non-ordinary housing cannot meet the conditions at the same time.
(1) Housing type: multi-storey housing with five or more floors; Old-fashioned, new-style alleys, old-fashioned alleys and so on. Less than five floors.
(2) Transaction price: within the inner ring: ≤ 4.5 million yuan/set; Between inner and outer rings: ≤ 365438+100000 yuan/set; Outside the outer ring: ≤ 2.3 million yuan/set.
(3) Building area: single building area ≤ 140m2.
Shanghai Housing Property Right Transaction Transfer Materials
1, original property certificate;
2. Original sales contract;
3. Deed tax bills paid by the next family (confirmation notice);
4. The original and photocopy of the family ID card (child birth certificate);
5. Bank loan materials (if any);
6. Next Marriage Certificate (Marriage Certificate)
Unmarried and divorced: unmarried certificate issued by the place where the household registration is located;
7. An application form for the family members of the buyer and the housing situation under his name;
Intermediary companies must build official seals.
8. The original and photocopy of the next household registration certificate, and the on-the-job certificate of the unit provided by the collective household registration.
9. Non-Shanghai household registration:
A provide local social security or tax bills in Shanghai for 60 consecutive months (overdue payment is invalid).
B. Residence permit
With the continuous improvement of China's economic level, more and more citizens will choose to buy their own real estate, so they also need to meet the corresponding conditions when buying real estate. Under normal circumstances, foreigners need to pay social security continuously and are married when buying a house in Shanghai, so they also need to sign a purchase contract when buying a house to protect the rights and interests of both parties.
What are the housing loan policies in Shanghai?
Shanghai is one of the most prosperous cities in China. Many people dream of owning their own houses here. What are the housing loan policies in Shanghai? What are the requirements for buying a house in Shanghai? What are the requirements for using housing provident fund loans? Let's take a look!
First, Shanghai housing loan policy
At present, commercial loans in most cities still need a down payment of 30%, and the interest rate of loans over five years is 6.55%; With provident fund loans, the down payment ratio of the first suite and families with housing area less than or equal to 90 square meters can not be less than 20%; For the first family with a housing area of more than 90 square meters, the down payment ratio of loans shall not be less than 30%.
The down payment ratio of the first suite of Shanghai commercial loans shall not be less than 35%, and the interest rate of the first suite shall be up to 10%; 2. The down payment ratio of this suite shall not be less than 50%, and the interest rate shall rise10%; The down payment ratio for purchasing non-ordinary housing cannot be less than 70%; Interest rate rises 10%.
Second, housing conditions in Shanghai
1, the conditions for local people to buy a house
Shanghai locals who buy houses in their own names but have houses with their parents can buy 2 houses again; If you have a house under your name and a house with your parents, you can buy another one; If you have no real estate in your name and have real estate with your parents, you can buy two houses.
2. Conditions for foreigners to buy a house
Foreigners who want to buy a house in Shanghai must get married. If you have a residence permit in Shanghai for more than 5 years and have no room, you must also provide proof that you have paid social security for 5 years in Shanghai. As long as you meet the above requirements, you can buy a house in Shanghai.
Three, Shanghai housing provident fund loan requirements
Property buyers should normally pay the provident fund for more than six months, with a down payment ratio of not less than 35%, stable income, the ability to repay the principal and interest of the loan, and no debts that affect the repayment ability.
Bian Xiao concluded: The above is about Shanghai housing loan policy, Shanghai housing situation and Shanghai housing provident fund loan requirements. If you want to buy a house in Shanghai, you can refer to the above contents, hoping to help everyone.
What is the process of Shanghai provident fund loan? Can every bank do it?
First, the handling process:
Borrower's appointment (pre-filling)-acceptance by outlets (examination and approval, real estate inquiry under name, credit inquiry)-transfer notice-mortgage registration formalities-obtaining mortgage certificate and notifying the lender-bank lending.
Second, the handling place:
1. To apply for a personal housing loan with pure provident fund, the borrower can apply at the business outlets of Shanghai Housing Property Guarantee Co., Ltd.;
2. To apply for a portfolio loan, the borrower may apply at each business outlet of the bank entrusted with the housing provident fund personal housing loan business.
Extended data
Application conditions:
1, in line with the conditions stipulated by the state and the city's real estate regulation and control policies;
2. Have full capacity for civil conduct;
3, has paid not less than the prescribed proportion of down payment funds;
4. At present, the housing provident fund has been paid in full and continuously for a specified period (6 months), and there is no agreement to withdraw the housing provident fund (including but not limited to the agreement to withdraw the housing provident fund to repay the loan, the agreement to withdraw the housing provident fund to pay the rent and other agreements to withdraw the housing consumption);
5. Have a good credit record and willingness to repay;
6. It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;
7. Must be the owner of the house purchased, built, renovated or overhauled in this city, and can provide relevant contracts or supporting documents, identity certificates, down payment certificates and other materials that meet the requirements; The purpose of the loan is to purchase houses, and the houses purchased must be owner-occupied houses with ownership in this city;
8. Being able to provide the guarantee method recognized by the Municipal Provident Fund Center;
9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee;
10, * * * agreed with the borrower:
(1) The borrower who purchases owner-occupied housing in this city must be the borrower's spouse, parents and children and have two provident fund loan records, and shall not be regarded as the borrower;
(2) The borrower who buys a house with property rights protection shall be the spouse, parents, children and loan owner.