Legal analysis: the interest rate of the second home loan of provident fund depends on the actual situation. The personal loan interest rate of housing provident fund with a loan term of less than 5 years is 2.75%, and the second home loan interest rate is 3.25%, which is 1. 1 times of the benchmark interest rate. The down payment ratio for the first set of ordinary housing is not less than 35%, the down payment ratio for the first set of non-ordinary housing is not less than 40%, the down payment ratio for the first set of policy housing such as * * * property housing is not less than 30%, the down payment ratio for the purchase of non-ordinary housing is not less than 80%, and the down payment ratio for the purchase of affordable housing is not less than 20%.
Legal basis: Article 67 1 of the Civil Code of People's Republic of China (PRC). If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount. Article 675 The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.
Qingdao provident fund loan policy 2022
(a) the implementation of the "housing loan" loan conditions policy. After the revision of the Personal Loan Measures, if you apply for provident fund loans in our city, the housing purchased by the loan applicant must be the first family-occupied housing or the second improved ordinary self-occupied housing; Workers' families who have purchased the third and above houses or used provident fund loans twice may not apply for provident fund loans. Among them, employees' families include borrowers, spouses and minor children; The number of housing units refers to the number of self-occupied housing units recorded by employees' families in the information system of the real estate department of our city. (two) the implementation of differentiated housing loan interest rates. The first set of housing provident fund loans shall implement the benchmark interest rate of the corresponding grade according to the loan term; The interest rate of the second home loan is 1. 1 times that of the first home loan in the same period. Cancel the current interest rate regulation of 1. 1 times for secondary provident fund loans. (3) Optimize the loan procedures. First of all, the loan process reengineering simplifies the signing procedure of the loan contract. The second is to implement the preferential policy of provident fund loans, focusing on the first home purchase and giving priority to the first home loan. (4) Improve the loan application materials. First, according to the relevant regulations of the Ministry of Housing and Urban-Rural Development, the housing appraisal report is no longer required for the second-hand housing provident fund loan. Second, according to the "Business Specification for Personal Housing Loan of Housing Provident Fund" issued by the Ministry of Housing and Urban-Rural Development, loan application materials such as off-site loan certificate, repayment ability certificate and personal credit report were clarified. Third, it is clear that the provident fund center has the right to require employees to supplement auxiliary application materials according to the needs of loan review. (v) Risk prevention and disciplinary measures for violations have been strengthened. First, it supplemented the prevention and disposal of risks such as concealing facts, applying for loans, renting collateral in breach of contract, and paying off debts. Second, combined with the current requirements of building a credible society, the provisions on credit review and punishment of borrowers have been supplemented and improved. If the housing provident fund is used in violation of regulations, the provident fund center has the right to register its bad behavior, cancel its five-year provident fund withdrawal and loan qualification, and take disciplinary measures such as submitting untrustworthy information to relevant management departments, informing their units, and transferring suspected crimes to public security organs for legal treatment.
Qingdao second suite identification standard is the latest.
The term "second suite" is familiar to everyone. Can I apply for a housing provident fund loan to buy a second commercial house? Many buyers have some doubts. Thank you for visiting "20 18 Qingdao second-home provident fund loan policy, provident fund loan process and conditions for buying a house". The following is the relevant information of previous years, and this description is tentatively extended to 20 18. If there is any change in the specific content, please refer to the announcement of official website.
On September 6th, Qingdao Housing Provident Fund Center announced that in order to implement relevant national policies, Qingdao reduced the down payment ratio of housing provident fund loans from September 1 2065438. The specific criteria are: the minimum down payment ratio of the first-home provident fund loan is adjusted from 30% to 20%, and the minimum down payment ratio of the second-home provident fund loan is adjusted from 60% to 20%. The down payment ratio of second-hand housing loans will not be adjusted.
On August 3 1 day, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank issued a notice, in order to further improve the individual housing loan policy of the housing accumulation fund and support the reasonable housing needs of employees, the minimum down payment ratio for households with 1 apartment who have settled the corresponding housing loan will be reduced from 30% to 20% in order to improve their living conditions. Beijing, Shanghai, Guangzhou and Shenzhen can independently decide the minimum down payment ratio for applying for a housing provident fund entrusted loan to buy a second house on the basis of national unified policies and local conditions. This notice shall be implemented as of September, 2065438 1 day.
The first suite is a commercial loan, and now I am going to buy a second suite. Can I get a provident fund loan?
The basic conditions for applying for provident fund loans are as follows:
1. The applicant must pay (remitted by the unit) the housing provident fund to Qingdao Housing Provident Fund Management Center on time, in full and continuously within 6 months before applying for the loan, and shall not default on the housing provident fund in the first 2 years;
2. If the applicant is transferred from other places to this city, the housing provident fund shall be paid on time, in full and continuously (remitted by the unit) six months before the transfer, and the housing provident fund has been remitted at least 1 month in Qingdao Housing Provident Fund Management Center (the remittance status is normal and there is no default);
3. The housing purchased by the applicant is self-occupied ordinary housing;
4. The applicant is the owner of the purchased owner-occupied house or the owner of * * (the purchase contract is signed and sealed by the buyer);
5. Have a stable source of economic income and the ability to repay the principal and interest on time;
6. Provide guarantee companies recognized by Qingdao Housing Provident Fund Management Center as repayment guarantee or securities recognized by banks as pledge;
7. The applicant's husband and wife shall not have outstanding provident fund loans.
If you meet the above conditions, you can apply.
What is the maximum amount of the second suite of Qingdao provident fund in 2022? How to apply for a loan?
The amount of the provident fund loan is determined according to the comprehensive evaluation of the market value of the house purchased by the lender, the repayment ability of the borrower and the condition of the mortgaged house. The usual way to calculate the loan amount is: twice the amount of provident fund paid by the applicant and his spouse during retirement. The calculation method of the loan amount of the second-home provident fund in the provident fund management center in different regions is different, which is subject to the provident fund management center where the lender is located.
The process of applying for a loan:
Using provident fund loans, the lender can apply for provident fund loans only after establishing a housing provident fund account for more than 6 months (inclusive), and can apply for provident fund loans when the housing provident fund for more than 6 months (inclusive) has been fully paid and applied for loans. In addition, lenders who purchase affordable housing can avoid the above payment time constraints, and can apply for provident fund loans as long as they have created provident fund accounts and meet the payment conditions.
1, application. Employees who intend to apply for loans must submit the lender's (the other half) proof of salary income and housing provident fund deposit (1 triplicate) and the original and photocopy of the housing property right certificate before paying, and the business personnel will examine and confirm whether there is any problem with the employee's housing provident fund deposit (whether the employee's housing provident fund deposit meets the loan policy needs is finally determined at the time of application), and the employee's (the other half) salary income proof is true and normative.
2. guarantee. There are two ways to guarantee the second-home housing provident fund loan: phased guarantee plus pledge and pledge. Lenders can choose according to their own specific conditions.
3. recognition. After all the loan application materials are uploaded as required, they will pass the examination and approval. After success, notify the bank to sign a loan contract with the lender and go through the notarization procedures of the contract.
4. Loan. After the lender completes all the above procedures, the management center will issue a Letter of Confirmation of Lending Permission to the designated bank to inform the bank to lend money.
5. Repay the loan. After a series of bidding steps, the next step is the buyer's repayment, and the buyer can repay the bank monthly according to the loan contract.
Therefore, we can know that the calculation method of the second set of housing provident fund loan amount is different according to different places and different situations.
What is the down payment ratio of the second suite in Qingdao in 2020?
There is a great demand for buying a house now, and some people will think of two or three suites when they have a house. However, many cities have introduced purchase restriction policies, and buying a house needs to meet certain conditions, especially in some big cities. So what is the down payment ratio of the second suite in Qingdao in 2020? What should I pay attention to when buying a house in Qingdao? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.
What is the down payment ratio of the second suite in Qingdao in 2020?
With the change of policies, the down payment ratio in many places will be adjusted in 2020. The down payment ratio of the second suite in Qingdao is 60%, and the provident fund loan ratio is 60%. If you are a local resident, you already have a suite, and you can buy another one after the mortgage is settled. More than two sets are prohibited. Residents with foreign hukou can only buy a house in Qingdao.
What should I pay attention to when buying a house in Qingdao?
1, buyers must first understand the relevant policies and measure whether they meet the relevant conditions. If you don't meet the relevant conditions for buying a house, all preparations will be in vain. In addition, we must have some basic understanding of real estate knowledge, otherwise we don't know anything and are easily fooled by sales staff. We should seize the opportunity and know what conditions a good building should have before we can buy a satisfactory house.
2. You need to know your own needs and choose a suitable property according to the economic budget. If you don't consider the price and just want to live conveniently, you can have a house in the center. If you consider the price, you can choose a house with a smaller area or a smaller location. If you want to travel conveniently, you can choose a house near the bus stop or subway station.
3. No matter how extravagant the salesperson is, he should go to the scene to see the house, not just the floor plan. Only when you arrive at the site can you know whether the quality of the building materials used is up to standard, and understand the supporting facilities and surrounding environment of the community. In addition, the choice of room type must be square, so that the space is easier to make full use of
Abstract: The above is Bian Xiao's introduction to the down payment ratio of the second suite in Qingdao in 2020 and the matters needing attention in buying a house in Qingdao, hoping to help some friends in need.
Let's stop here for the introduction of the second-home provident fund loan policy in Qingdao.