Legal analysis: loan conditions When employees apply for housing provident fund loans, they must meet the following conditions at the same time: 1, and the applicant's housing provident fund account has been opened for 6 months and has been continuously paid for more than 6 months (inclusive); 2. The applicant must purchase owner-occupied housing within the administrative area of Kaifeng City, and be the property owner of the purchased housing; 3. The applicant's husband and wife have never had a housing loan or only once. 4. The applicant's husband and wife have no outstanding housing provident fund loans. 5. In the personal credit report of the applicant's husband and wife, there is no overdue phenomenon of 3 consecutive periods and 6 cumulative periods in the past two years, and there is no bad debt phenomenon. 6 to provide the guarantee procedures approved by the city housing provident fund management center. 7. The domicile of the off-site provident fund loan applicant must be within the administrative area of Kaifeng City. 8. The real estate developer has filed the housing purchased by the applicant in the municipal housing provident fund management center. 9. Meet other conditions for housing provident fund loans. Commercial house with loan materials: (1) ID card, household registration book, proof of marital status, full purchase invoice and original purchase contract filed by the real estate department. (2) The original ID card and household registration book of the guarantor. Second-hand house: (1) ID card, household registration book, proof of marital status of both husband and wife, notice of approved taxable value of stock house transaction stamped with "Special Seal for Proof of Kaifeng Real Estate Archives Information Center", original and photocopy of the sales contract, 1 copy of the house after transfer, and 1 copy of the house before transfer. The borrower repays the original bank card. (2) The original ID card and household registration book of the guarantor. (3) The original ID card and bank card of the seller. Transfer from bank loan to provident fund loan: (1) original copies of husband and wife's ID card, household registration book, marital status certificate, household registration book, deed tax payment certificate and bank loan repayment certificate 1. The borrower repays the original bank card. (2) The original ID card and household registration book of the guarantor.
Legal basis: Regulations on the Management of Housing Provident Fund
Thirteenth housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.
Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid. Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.
Article 24 Under any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
What is the down payment ratio for buying a second suite in Kaifeng? Can I use the provident fund loan?
Buying a second suite to apply for a loan will be affected by the first suite, and the down payment ratio of the second suite will increase. The down payment of the second suite refers to the amount of down payment that the buyer needs to provide to the bank when purchasing the second suite. So what is the down payment ratio for buying a second suite in Kaifeng? Can I buy a second suite in Kaifeng with a provident fund loan?
Buying a second suite to apply for a loan will be affected by the first suite, and the down payment ratio of the second suite will increase. The down payment of the second suite refers to the amount of down payment that the buyer needs to provide to the bank when purchasing the second suite. So what is the down payment ratio for buying a second suite in Kaifeng? Can I buy a second suite in Kaifeng with a provident fund loan?
What is the down payment ratio for buying a second suite in Kaifeng?
1. According to the adjustment of the new mortgage policy, the detailed rules of the new mortgage policy require that the loan ratio and loan interest rate of the second suite should be further increased, that is, the down payment ratio of the second suite should be increased under the new mortgage policy. According to the new data, the down payment ratio of the second home is raised from 60% to 70%, and the loan interest rate is raised to 1.3 times.
2. For families who purchase the first set of self-occupied housing with an area of 90 square meters or more, the down payment ratio of the loan shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; Significantly increase the down payment ratio and loan interest rate of the third and above housing loans, which shall be determined by commercial banks independently according to the principle of risk management.
3. Take the loan of 300,000 yuan and pay it off in 20 years as an example. If the house purchased by the borrower is the first suite, and the mortgage interest rate is calculated according to the current benchmark interest rate of 6.55% for loans over five years, then the borrower needs to repay 2,245.56 yuan per month, and the total interest to be paid after 20 years is 238,934.6438+08 yuan;
Can I buy a second suite in Kaifeng with a provident fund loan?
1. The second-hand housing intermediary service fee shall be charged by the real estate intermediary service agency according to the charging standard, and shall be invoiced and taxed according to law. Real estate intermediary service charges shall be clearly marked, and intermediary service institutions shall announce their charging items, charging methods, service contents and charging standards in a prominent position in their business premises or payment places.
2. At present, the agency fee in the market is 2% ~ 3% of the house price, which is not a small amount for buyers. However, due to the development of the Internet, online trading platforms came into being. The commission for second-hand houses started at 0.5%, and renting houses was free. After that, the commission of other second-hand houses such as Wu will be charged at 65,438+0%.
3, the general consultation report, each charge 300- 1000 yuan; For consulting reports that are technically difficult, complicated in content and consume a lot of manpower and time, the charging standard may be appropriately increased, but it shall not exceed 0.5% of the amount of the consulting target.
The above is an introduction about the down payment ratio of buying a second suite in Kaifeng and whether the second suite in Kaifeng can be provided with provident fund loans. After buying the house, we will plan to decorate it. We don't have to worry about the money for decorating the house. We can not only borrow money to buy a house, but also borrow money to decorate it. Therefore, I suggest you know about the related mortgage problems before buying a house and make a good economic plan.
How much is Kaifeng Provident Fund 1 Universal Loan?
The amount of entrusted loans for housing provident fund shall not exceed 70% of the total amount of housing purchased by employees, and the monthly repayment amount shall not exceed 50% of the monthly economic income of both husband and wife. The maximum amount of housing provident fund personal housing entrusted loan is 6.5438+0.5 million yuan. The loan interest rate is 4.59% for five years or less and 5. 13% for more than five years.
What are the conditions for Kaifeng loan to buy a house?
We know that most people who buy a house now will choose loans, but loans to buy a house must meet the relevant conditions. The following small series will introduce you to what conditions are needed for Kaifeng loan to buy a house.
What are the conditions for Kaifeng loan to buy a house?
Kaifeng loan can be used for commercial loans and provident fund loans. Property buyers who apply for provident fund loans in Kaifeng must meet the basic conditions of loans, and at the same time, they need to provide ID cards, income certificates, housing sales contracts, guarantees and other legal documents that must be submitted, and they must pass the examination. At this time, buyers will issue home purchase loans.
What should I pay attention to when buying a house with a loan?
1, apply for a mortgage and do what you can.
For example, some people think that the larger the loan amount, the better. Actually, it's not like this, because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, it will also lead to the need to pay more loan interest and increase the repayment pressure.
2. Prepare loan information in advance.
Submit a copy of ID card, household registration book, marriage certificate or single certificate, education certificate, income certificate, bank account, copy of house purchase contract, down payment invoice, social security related certificates, etc. It is also very important that if you have a bad credit record of credit card repayment, you should apply for cancellation or issue relevant certificates at this time.
Step 3 provide real information
If the loan buyers provide false materials to the bank, it may have a serious impact at this time: it may affect the bank's audit, it is impossible to issue loans, and the dream of living cannot be realized; If it is serious, it will be impossible for individuals to apply for loans because of providing false materials, and it will also lead developers to require buyers to bear the liability for breach of contract for overdue delivery of mortgage information and pre-sale contract of commercial housing, and may also pay a considerable amount of liquidated damages.
4. Clear the repayment method in advance.
At present, there are two main repayment methods for bank loans to buy a house, one is equal principal and interest, average capital. In the average capital, its interest rate will be lower, but the monthly supply is high, so its interest rate will be relatively higher. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small.
Summary: This is all about the conditions of buying a house with a loan in Kaifeng. Loans to buy a house must meet the relevant conditions, and these conditions can only be met.
Kaifeng mortgage interest rate in 2022
1, commercial loan
Within one year (including one year)
The annual interest rate is 4.75%
One to five years (including five years)
The annual interest rate is 4.9%
More than five years.
The annual interest rate is above 4.9%
2. Provident fund loans
Less than five years (including five years)
The annual interest rate is 2.75%
More than five years.
The annual interest rate is 3.25%
1. Housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house.
Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate.
At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.
2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.
As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan.
3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans.
These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.
According to the repayment formula of general mortgage loans, it can be divided into two types:
I. Calculation formula of equal principal and interest:
Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment will decrease with the decrease of residual principal, and the proportion of principal in monthly payment will increase with the increase, but the total monthly payment will remain unchanged.
It should be pointed out that:
1, the maximum amount of urban provident fund loans should be combined with local conditions;
2. For residents who have borrowed money to buy a house but whose per capita area is lower than the local average, and then apply for buying a second set of ordinary self-occupied housing, the preferential policies for buying ordinary self-occupied housing with the first set of loans shall be implemented mutatis mutandis.
Second, the average capital calculation formula:
Monthly repayment = monthly principal, monthly principal and interest
Monthly principal = principal/repayment months
Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate
Calculation principle: the amount of principal returned every month is always the same, and the interest will decrease with the decrease of the remaining principal.
What is the loan amount of Kaifeng provident fund commercial housing in 2022?
What is the loan amount of Kaifeng provident fund commercial housing in 2022?
The maximum loan amount is 500,000 yuan.
1. If the applicant is the first home loan, the maximum loan can be 80% of the total purchase price;
2. The applicant has 1 housing provident fund loan, which has been settled, and the maximum loan can be 80% of the total house price;
3. The applicant has had a loan of 1 in a commercial bank, which has not been paid off, and the maximum loan is 70% of the total house price.
At the same time, the following two accounting methods take the lowest value
The first one is calculated according to the repayment ability:
Monthly repayment amount = sum of monthly provident fund deposit bases of husband and wife ×50%
The second is calculated according to the deposit balance:
Loan amount = (the difference between the borrower's provident fund deposit and the spouse's provident fund deposit) × 10/0× deposit time coefficient. (If the account balance is less than 10000 yuan, it shall be calculated as 10000 yuan)
The comparison between deposit time and deposit time coefficient is as follows:
6 months