How to borrow Nanning housing provident fund? What are the loan conditions of Nanning housing provident fund? I'll sort out the relevant knowledge for your reference.
How to borrow Nanning housing provident fund? What are the loan conditions of Nanning housing provident fund? I'll sort out the relevant knowledge for your reference.
Nanning housing provident fund loan conditions
1. Pay the housing provident fund in full and on time for more than 6 consecutive months (calculated from the date of loan application).
2. Have permanent residence in cities and towns or valid residence status.
3. Have the ability to repay the loan principal and interest on schedule.
4. There is a legal and effective purchase contract or fund-raising housing agreement.
5. More than 20% of the house price has been paid. (20% down payment for the first suite below 90 square meters, and 30% down payment for the first suite above 90 square meters. )
Nanning Housing Provident Fund Loan Procedure
1, apply. Borrowers Borrowers hold the Purchase Contract (or Fund-raising Housing Agreement) to the corresponding business outlets of the center to receive the application form, fill it out and submit the required valid certification materials. Our center will make a decision on whether to lend within 10 working days from the date of acceptance.
2. Sign a loan contract. After our center issued the loan, the borrower signed the loan contract and related contracts with the bank entrusted by the center, and went to the Municipal Real Estate Bureau for mortgage registration.
3. Allocate loans. After the loan contract comes into effect, the loan funds will be transferred to the account of the selling unit according to the loan contract.
Types of housing provident fund loans in Nanning
1. Pure provident fund loans: low-interest loans granted to employees who buy self-occupied houses can be used to buy ordinary commercial houses such as commercial houses, affordable housing, fund-raising houses and second-hand houses.
2. Portfolio loan: If the pure provident fund loan is still insufficient to pay for the house purchase, you can apply for a commercial house loan from the bank to supplement the house purchase funds.
Nanning Housing Provident Fund Loan Amount and Term
1. The loan amount shall not exceed 80% of the total purchase price, and the maximum loan amount shall be 500,000 yuan.
2. The loan term is 1-30 years.
Nanning housing provident fund loan interest rate
The loan interest rate is divided into two grades: the annual interest rate of loans for less than five years (including five years) is 4.00% (monthly interest rate is 3.33‰), the annual interest rate of loans for more than five years is 4.50% (monthly interest rate is 3.75‰), and the interest rate of second home is 1. 1 times of the benchmark interest rate.
Will the interest rate of provident fund loans be adjusted by SMS in the second year?
At the beginning of the new year, many Nanning citizens received SMS notification that the interest rate of provident fund loans was adjusted. In fact, the interest rate of housing provident fund was adjusted from June 65438+1 October1in 2022, and employees with new loans had already enjoyed the New Deal by the end of 2022. Employees applying for loans before the New Deal will be implemented from June 65438+ 10, 2023.
On the afternoon of October 9, 65438+ 10, Ms. Liao received a message from 12329, saying that the interest rate of her housing provident fund loan was adjusted from 3.25% to 3.575% on June 0 this year.
The reporter learned that Ms. Liao is a second-home employee, so the interest rate has risen. At the same time, many new employees received news that the interest rate of housing provident fund loans was adjusted from 3.25% to 3. 1%.
Ms. Liao has some doubts. The interest rate of the provident fund for second-home employees rises 10%. Is this floating radix 3. 1 or 3.25?
In this regard, the relevant person in charge of the Nanning Housing Provident Fund Management Center said that the new interest rate policy is fixed, and the second suite is not calculated according to the first set of floating.
The interest rate of the first housing provident fund personal housing loan will be reduced from the current 2.75% to 2.6% for less than five years, and from the current 3.25% to 3. 1% for more than five years.
The interest rate of the second set of housing provident fund personal housing loans remains unchanged, that is, the interest rate of loans for less than five years (including five years) is 3.025%, and the interest rate of loans for more than five years is 3.575%.
How much does the adjustment of the interest rate of provident fund loans affect the repayment of employees? Take the loan of 600,000 yuan and the loan period of 20 years as an example. Previously, the monthly repayment was 3403.438+07 yuan. After the interest rate adjustment, the employees of the first suite will repay 3357.70 yuan per month, and the employees of the second suite will repay 3502.93 yuan per month.
Adjust the provident fund loan policy and the loan interest rate may continue to decline.
Since the beginning of this year, many places have issued new provident fund policies. In addition, this year's first home provident fund loan interest rate has also been re-priced. According to a survey conducted by the Securities Daily reporter, recently, a number of banks have successively lowered the interest rate of individual housing provident fund loans for the first suite.
Send information in many places
Adjust the provident fund loan policy
Recently, many policies have been actively introduced to boost the property market, and increasing the loan amount has become a "standard".
Shaoxing City, Zhejiang Province recently issued a notice that the maximum amount of provident fund loans will be raised to 1 10,000 yuan, and the amount of loans for families with many children can be raised to 1.20% of the maximum amount. Dalian recently issued the Notice on Adjusting the Use Policy of Housing Provident Fund (Draft for Comment), proposing that the maximum loan amount should be increased by 200,000 yuan on the basis of the current maximum loan amount for families with multiple children and two employees who buy the first set of self-occupied housing in Dalian, and the restriction that "the borrower should not exceed the storage balance of the housing provident fund account 15 times when applying for a loan" should be cancelled. On June 65438+1 October 10, Jinan issued a policy to support families with many children to use housing provident fund, and defined the maximum loan of housing provident fund for families with many children as110,000 yuan.
In addition to increasing the amount of provident fund loans for families with many children, some cities have made it clear that there is no longer a time interval requirement for secondary provident fund loans. For example, Dandong Housing Provident Fund Management Center issued detailed rules for the management of individual housing provident fund loans, which will be implemented in February this year. The latest detailed rules adjust the loan business and other policies, and cancel the requirement that "the previous housing provident fund loan has been settled, and the application time and the previous loan settlement time should be more than 12 months to improve the conditions".
Wang Qing, chief macro analyst of Oriental Jincheng, said, "relaxing the conditions of provident fund loans and increasing the amount of provident fund loans is one of the important measures to support rigid and improved housing demand, promote the improvement of the demand side of the property market and guide the real estate industry to achieve a' soft landing' as soon as possible. Due to the policy tone of the city, in 2023, different cities have a certain space to relax the provident fund loan policy. "
"In mid-2023, the real estate market is expected to show a trend recovery, that is, after deducting the influence of seasonal factors, the monthly property market sales will continue to improve. On the one hand, it is conducive to promoting the substantive convergence of the risks of head housing enterprises, and on the other hand, it can fundamentally improve the economic growth momentum in the second half of 2023. " Wang Qing said.
New provident fund loan interest rate
Or lower.
In addition, the interest rate of stock provident fund loans was re-priced from 1 this year. In September last year, the People's Bank of China decided to reduce the interest rate of the first individual housing provident fund loan by 0. 15 percentage point from June 2022, and adjust the interest rates for less than five years (including five years) and more than five years to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged. According to relevant regulations, the new interest rate will be implemented for the first individual housing provident fund loan issued after June 65438+1 October1in 2022; The first personal housing provident fund loan issued before June 65438+ 10/in 2022, and the new loan interest rate will be implemented from June 65438+1 0/in 2023.
Recently, the multi-site housing provident fund management center indicated that the first set of personal housing provident fund loans that did not expire before June 65438+ 10/in 2022 will be implemented at the adjusted new interest rate from June 65438+1 0/in 2023.
As of press time, banks in Pu 'er, Taiyuan, Yichun, Nanning, Qinhuangdao and other places have lowered the interest rate of the first home personal housing provident fund loan to 3. 1%.
In addition, the interest rate of individual housing provident fund loans for the first suite in some first-tier cities has been lowered. A staff member of a state-owned bank in Beijing said, "At present, the bank has lowered the interest rate of the first home personal housing provident fund loan from the original 3.25% to 3. 1%."
The reduction of the interest rate of the first home provident fund loan will be reflected in the repayment of the personal housing provident fund loan in February this year. The personal loan manager of a state-owned bank branch told the reporter: "Since the housing provident fund loan was repaid in June 5438 +2023 10, the reduction of the interest rate of the provident fund loan will be reflected in the repayment in February 2023, when the repayment amount of the buyers will be calculated according to the reduced 3. 1%."
Wang Qing said that in 2023, the interest rate of new provident fund loans may further decline.
What is the loan amount and loan ratio of Nanning provident fund in 2022? How to withdraw provident fund
Many friends in Nanning want to know how to calculate the loan amount of Nanning provident fund. In this paper, I help you sort out the relevant knowledge and promotion methods of Nanning provident fund loan.
First, Nanning provident fund loan application conditions
1. The applicant must continuously and normally deposit the housing provident fund for more than 6 months (inclusive), and the individual housing provident fund account is in a normal deposit state, and keep the deposit balance for not less than 6 months (6 times of the deposit amount in the current month). The form of overdue payment and one-time payment is not regarded as continuous deposit.
2 have a stable economic income and the ability to repay the principal and interest of the loan on time, and have full capacity for civil conduct. Usually, the average monthly income of the applicant (and his spouse) should be greater than or equal to twice the monthly repayment amount.
3. If the owner-owned house is purchased, built, renovated or overhauled within the statutory time limit and the house is used for residence (except villas), it shall be determined according to the purchase contract or the certificate of immovable property rights.
4. The applicant and his spouse have no bad credit records in the housing provident fund management center and the central bank's credit information system within two years.
5. Employees' family members (including applicants, spouses and minor children, the same below) housing units and housing provident fund loan units meet the conditions of "recognizing housing and recognizing loans". "Recognition of housing" refers to the number of housing units in Nanning, and "recognition of loans" refers to the number of housing provident fund loans (including personal credit reports or deposit certificates and other housing provident fund loan records).
6, housing provident fund management center recognized as collateral housing.
7. Those who have applied for commercial individual housing loans to housing provident fund loans shall comply with the conditions of housing provident fund loans and relevant laws and regulations.
8. The down payment of not less than the legal proportion has been paid. If employees need to apply for portfolio loans at the same time, the down payment ratio of the provident fund center and the bank shall prevail.
Second, Nanning provident fund loan interest rate
Provident fund loans are subject to the interest rate of individual housing provident fund loans announced by the central bank, and the interest rate is fixed for one year.
According to the term stipulated in the loan contract, the loan shall bear interest according to the legal loan interest rate of the corresponding grade on the effective date of the loan contract. If the term is within 1 year, the interest will not be calculated in installments. If the term is more than 1 year, the interest will be calculated at the legal loan interest rate of the corresponding grade on 1 day of the following year.
Enjoy preferential interest rates for provident fund loans:
1. Comparison of interest rates between provident fund loans and commercial loans (commercial loan interest rate is the benchmark interest rate)
Loan term 1-5 years (inclusive): the annual interest rate of provident fund loans is 2.75%, and that of commercial loans is 4.75% (average).
The loan term is more than 5 years: the annual interest rate of provident fund loans is 3.25%, and the annual interest rate of commercial loans is 4.90%.
Will the loan interest rate of Nanning high-level talent provident fund be lower?
I will.
The interest rate of commercial loans is calculated according to the current market quotation of 5.8%, and the interest rate of high-level talent provident fund loans issued by Nanning is 3.25%, and the loan amount has increased.
The introduction of this policy will strengthen the support of housing provident fund loans to high-level talents, help enhance the sense of belonging of high-level talents, and support them to settle down and start businesses in Nanning.
What is the down payment ratio of the first suite in Nanning?
In recent years, with the continuous rise of housing prices, housing prices in many cities have risen to a certain extent. As the capital city of Guangxi, Nanning is economically developed, and many people will choose to buy a house in Nanning. So what is the down payment ratio of the first suite in Nanning? Introduce it to everyone in this article.
What is the down payment ratio of the first suite in Nanning?
In Nanning, buy the first suite and use the local commercial loan. Regardless of the housing area, the minimum down payment ratio for buying a house is 30%, and the minimum down payment ratio for purchasing a suite with provident fund loans is 20%. As for the second suite, according to the latest policy of the central bank, the minimum down payment ratio for buying a second suite is 40% for households who own a house and the corresponding housing loan is not settled.
What's the new policy for buying a house in Nanning?
1. The area of the first suite is no longer linked to the down payment ratio.
According to the relevant policies and regulations, Nanning local employees' families use housing provident fund loans to purchase the first set of ordinary self-occupied housing, with a minimum down payment ratio of 20%, and the down payment ratio is no longer linked to the housing area, that is, regardless of the size of the first suite, the minimum down payment ratio of provident fund loans is 20%.
2. The minimum down payment ratio for the second suite is reduced to 30%.
For those who want to improve their living environment, Nanning has also made some adjustments in the second suite policy. For families who own 1 apartment and have settled the corresponding housing loans, in order to improve their living conditions, they will use gold loans to buy ordinary self-occupied houses again, with a minimum down payment of 30%. For families who use commercial loans to buy a second home, the minimum down payment ratio is listed as 40%.
3. Keep the interest rate of the second home loan at 1. 1 times.
Although the down payment ratio of local provident fund loans in Nanning has been adjusted, the interest rate of the second home loan is still 1. 1 times of the benchmark interest rate, and the third home loan is also available, but the down payment rate is higher.
The above is the introduction of the down payment ratio of the first suite in Nanning, hoping to provide some help to local friends in Nanning when buying a house, so that everyone can buy a cost-effective and comfortable house.
This is the end of the introduction of Nanning provident fund loan interest rate and current provident fund loan interest rate. I wonder if you have found the information you need?