The specific situation of Jining provident fund second-home loan needs to be determined according to local policies and bank policies. Under normal circumstances, there are certain restrictions on the maximum amount, loan term and interest rate of provident fund loans.
Take the current policy of Jining Housing Provident Fund Management Center as an example:
1. Maximum loan amount: 70% of the maximum loanable house price of Jining provident fund loan. Therefore, if the total house price is 580,000, the maximum loan amount is 406,000.
2. Loan term: The longest loan term is 25 years, but since this is a second apartment, there may be different policies, so you need to consult the local provident fund management center or bank.
3. Interest rate: The interest rate of the provident fund loan in Jining City is divided into two types: fixed interest rate and mortgage interest rate. The fixed interest rate is divided into five grades according to the loan term, and the interest rate of each grade is different. The mortgage interest rate fluctuates with the market interest rate. According to the current interest rate level, the fixed interest rate is around 4.5%, and the mortgage interest rate is around 3.25%.
It should be noted that the above information is for reference only. The actual loan amount, term and interest rate should be determined according to local policies and specific conditions. For more detailed loan conditions and procedures, I suggest you consult Jining Housing Provident Fund Management Center or Bank.
How much can Jining second-hand housing provident fund borrow at most?
According to the following information, compare where the loan amount was decided.
1, for the purchase of commercial housing or affordable housing, the maximum loan amount shall not be higher than 70% of the total purchase price; The purchase of second-hand houses or units to raise funds to build houses shall not be higher than 60% of the total purchase price. If the price of the house purchased by the borrower is obviously higher than the market price, the loan amount shall be determined according to the assessed price;
2. The maximum loan amount of Yankuang Sub-center of Jining Housing Provident Fund Management Center and Jining City Comprehensive Service Hall is 300,000 yuan;
3. The maximum loan amount of Yanzhou City, Qufu City and Zoucheng City Sub-centers is 250,000 yuan;
4. The maximum loan amount of Weishan County, surabaya county County, Yutai County, Jinxiang County, Jiaxiang County, Wenshang County and Liangshan County Management Department is 200,000 yuan;
5, individual housing provident fund loan amount should be determined according to the following circumstances:
(1) The maximum loan amount shall not exceed 70% of the existing value of the collateral; Where securities are used as collateral, it shall not exceed 90% of the face value of the securities, and the maturity date of the securities shall be the loan term.
(2) According to the monthly income of the borrower and the same borrower, the calculation formula is: the loan amount of the borrower = the average monthly salary of the borrower and the same borrower in the previous year × 12 months× loan period× 40%.
Finally, the approval of the provident fund management center shall prevail.
How much can Jining provident fund loan with a quota of 6000?
Hello, 6000 yuan provident fund loan, the maximum loan is 654.38+0.5 million yuan, and the longest loan period is no more than 30 years. The specific loan amount is determined according to the lender's family income and loan life. In the case of the longest loan period, the accumulation fund of 6,000 yuan can be loaned about110.5 million yuan, and the specific loan amount is subject to the actual approval. Secondly, the maximum loan amount of Jining provident fund can reach 6000 yuan, but it needs to be determined according to the specific situation. In addition, Jining provident fund loan is given in two stages, starting from 1000 yuan and the maximum is 6000 yuan. However, when applying for a loan, it is necessary to consider the actual situation of the lender, such as income level, asset status and the use of loan funds. The final loan amount of the lending institution will be determined according to the actual situation.
Calculation formula of Jining provident fund loan amount
Legal analysis: regular deposit of housing provident fund for 6 consecutive months: loan amount = balance of individual housing provident fund account × 8; Deposit housing provident fund continuously and regularly 12 months: loan amount = balance of individual housing provident fund account ×15; Regular deposit of housing provident fund for 36 consecutive months: loan amount = balance of individual housing provident fund account ×20. Monthly income of myself and * * * the same applicant: monthly income, monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund; 2. Calculate the maximum loanable amount: the maximum loanable amount is the monthly income of your family (referring to the monthly income of both husband and wife, the monthly income of retired employees and their children and other applicants, the same below), the remaining amount after deducting the monthly living expenses of at least 400 yuan, and then dividing it by the monthly repayment amount of each 10,000 yuan loan during the loan application period. 3. The specific loan amount should also consider the maximum loan amount, maximum loanable loan amount, minimum down payment and credit rating of a single loan.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.
Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.
What is the loan policy of Jining provident fund?
Legal analysis: 1. Housing provident fund personal housing loans can only be used to pay for the purchase, construction, renovation and overhaul of ordinary self-occupied housing for employees to support basic housing needs. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase.
The second is to maintain the continuity and stability of the policy of paying employees' families (including borrowers, spouses and minor children, the same below) to use housing provident fund personal housing loans to purchase the first set of ordinary self-occupied housing. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%. If the construction area is more than 90 square meters, the down payment ratio of the loan shall not be less than 30%.
Third, the second set of housing provident fund personal housing loans are only issued to paid workers' families whose existing per capita housing construction area is lower than the local average level, and the loan purpose is limited to purchasing ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period.
Legal basis: Law of People's Republic of China (PRC) on Urban Real Estate Management Article 2 This Law shall be observed in obtaining the land use right of real estate development land, engaging in real estate development, real estate transactions and implementing real estate management on the state-owned land in People's Republic of China (PRC) urban planning area.
The term "houses" as mentioned in this Law refers to buildings and structures such as houses on land.
The term "real estate development" as mentioned in this Law refers to the construction of infrastructure and houses on the land that has obtained the right to use state-owned land in accordance with this Law.
Real estate transactions mentioned in this Law include real estate transfer, real estate mortgage and house lease.
How much can Jining 1 10,000 yuan house borrow? How much can the housing accumulation fund 1 10,000 yuan be loaned?
If you plan to choose a house in Jining, how much is the down payment for a house of 1 10,000 yuan? How much is the monthly payment?
The current high housing prices have made many people who just need it daunting. Nowadays, many people have the need to choose a house, but they are unable to choose a house in full, so people choose mortgage loans to choose a house. Because different cities have different loan policies, it is necessary to understand the local real estate policy, because only in this way can the funds on hand be arranged reasonably and used correctly. If you plan to choose a house in Jining, how much is the down payment for a house of 1 10,000 yuan? How much is the monthly payment? Let me show you the relevant information below!
For the purchase of the first home, the down payment ratio of the commercial loan shall not be less than 30% of the total house price, that is, 100000030%=700000 yuan, and the longest loan period shall be 30 years; Provident fund loans, the maximum loan ratio can reach 80%, the maximum loan amount is 600,000 yuan, and the longest loan period is 30 years.
If it is a second suite, it shall not be less than 50% of the appraised house price, that is to say, the down payment for the house with a total house price of 1 million yuan is 1 million yuan = 500,000 yuan; If the provident fund loans the second suite, the maximum loan amount is 600,000.
With regard to the down payment and monthly payment for choosing a house in Jining, if you plan to buy a house of 1 10,000 yuan in Jining, you should make adequate financial preparations. The down payment is also a big expense, and the monthly payment should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of Jining housing loan I provided for you. I hope it will help you!
This is the end of the introduction of Jining provident fund loan quota and the inquiry of provident fund loan quota. I wonder if you found the information you need from it?