1. You can only apply for a loan if you keep deposits in your account for more than half a year.
According to the regulations, when applying for a loan, the borrower should continuously deposit the housing provident fund for more than 6 months (inclusive) and his housing provident fund account is in a normal deposit state; Or with the approval of the housing fund management center of the central state organs (hereinafter referred to as the fund center), the paid employees are in a state of deferred payment, sealing up or retirement cancellation.
At the same time, both husband and wife of the loan applicant have no outstanding housing provident fund, personal housing loan and policy discount loan.
2. The second suite is identified as "recognizing the house and recognizing the loan"
The New Deal stipulates that if the family of the loan applicant (including the loan applicant, spouse and minor children) has no housing in Beijing and there is no housing loan record (including commercial housing loan and housing provident fund loan record) under the name of both husband and wife, it shall be handled according to the first set of housing loan policies.
If the family of the loan applicant has no housing in this city and only has 1 housing loan record in its name, and only has 1 housing loan record in this city and no housing loan record in its name or only has 1 housing loan record, it shall be handled according to the second housing loan policy. In other words, I used to buy a house as a loan, whether it was a commercial loan or a provident fund loan. Now sell small and buy big, and start to recognize the second suite from April 15.
If it is identified as two or more houses, no loan will be granted.
3. The maximum loan for the second suite is 600,000.
In terms of down payment, according to the regulations, if the loan applicant purchases affordable housing, the down payment ratio shall not be less than 20% of the total purchase price; When purchasing the first set of housing other than affordable housing, the down payment ratio shall not be less than 30% of the total purchase price; For the purchase of two houses, the down payment ratio shall not be less than 60% of the total purchase price. If the loan applicant purchases a stock house, the total purchase price shall be the lower of the house appraisal value and the total purchase contract price.
In terms of loan amount, the maximum amount of the first set of housing loans is 6.5438+0.2 million yuan, and the benchmark loan interest rate is implemented; The maximum amount of the second home loan is 600,000 yuan, and the loan interest rate is 1. 1 times of the benchmark loan interest rate for the same period.
In addition, under the premise of ensuring the borrower's basic living expenses, according to the loan amount, term and applicable interest rate applied by the borrower, the monthly repayment amount calculated by the equal principal and interest repayment method shall not exceed 60% of the borrower's monthly income.
At the same time, the loan term does not exceed 25 years, the longest can be calculated to 5 years after the legal retirement age of the loan applicant, and the maximum is no more than 65 years old.