2022 individual housing provident fund loan policy
I. Identification of loan portfolio:
1. If there is no record of housing and provident fund loans in this city under the name of the employee's family, it is recognized as the first set of housing; If there is no housing under the family name, there is a provident fund loan record, or there is a house that meets the conditions of the second set of improved housing, it is recognized as the second set of improved housing loans. In line with the housing provident fund * * * housing loan conditions with property rights protection, it is recognized as the first set of housing loans.
2. If there is no record of provident fund loans in the country and there is no housing in this city under the name of the employee's family paid by other provinces and cities, it will be regarded as buying the first set of housing; If a family has a record of provident fund loans in the whole country or has 1 house in this city, and buys a second set of improved housing, it will be regarded as buying a second set of improved housing.
3. Stop issuing provident fund loans to loan applicants who meet the following conditions:
(1) Employees' families who have paid provident fund loans twice;
(2) paid workers' families who buy a second set of non-improved housing.
4. Relevant requirements for applying for housing provident fund loans to determine the number of housing units due to marriage:
If the borrower or his spouse owns no more than 65,438+0 property houses with their respective parents before marriage (that is, the borrower or his spouse owns 65,438+0 property houses with their parents before marriage, or the borrower and his spouse owns 65,438+0 property houses with their parents before marriage), it can be considered that the inquired house does not belong to the house of the borrower's family members. If the borrower has not yet established a marriage relationship, and the shared property house with his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the name of the borrower's family members.
The loan accepting institution shall, before determining the number of copies, inquire and confirm the housing registration information under the name of the borrower's family members who apply for housing provident fund loans through the Housing Situation Information Center of this Municipality. For the property housing owned by the borrower or the borrower's spouse and their parents, the time of property registration should be earlier than the time of marriage registration of the borrower.
5. The applicant's family scope is limited to the applicant, spouse and minor children.
Second, the ordinary housing appraisal:
According to Shanghai's ordinary housing standards, the construction area of ordinary housing is below 140 square meters, the actual price of housing transactions within the inner ring line is less than 4.5 million yuan/set, the actual price of housing transactions between the inner ring line and the outer ring line is less than 3/kloc-0.0 million yuan/set, and the actual price of housing transactions outside the outer ring line is less than 2.3 million yuan/set.
Third, the down payment ratio:
1. For the first housing loan, if the construction area of the purchased house is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20%; If the construction area of the purchased house is more than 90 square meters, the down payment ratio shall not be less than 30%.
2, apply for a second set of improved housing loans, the purchase of housing for ordinary housing, the down payment ratio is not less than 50%; If the purchased housing is non-ordinary housing, the down payment ratio shall not be less than 70%.
3. If applying for portfolio loans, it shall also meet the down payment ratio requirements of commercial loans in portfolio loans.
Four. Loan amount:
The amount of provident fund loans shall meet the following quota standards at the same time:
1, not higher than the loan amount determined by the borrower and the balance multiple of the borrower's housing provident fund account (the balance multiple of the basic housing provident fund account is 30 times, and the balance multiple of the supplementary housing provident fund account is 10 times);
2. It shall not be higher than the total house price remaining after deducting the specified proportion of down payment;
3. Not higher than the loan limit determined by the repayment ability of the applicant and the borrower (the monthly repayment amount of the provident fund loan of the applicant and the borrower shall not exceed 40% of the monthly salary base);
4, not higher than the city's maximum loan limit:
(1) The first housing loan, with the maximum loan amount of 500,000 yuan for individuals and 654.38+00,000 yuan for families;
(2) The second set of improved housing loans, with a maximum loan amount of 400,000 yuan for individuals and 800,000 yuan for families;
(3) If the housing provident fund is replenished, the maximum personal loan amount will increase by 654.38+10,000 yuan, and the maximum family loan amount will increase by 200,000 yuan.
5. Other factors affecting the loan amount.
Verb (abbreviation for verb) loan term:
The longest loanable period is the following minimum:
1. The longest term of provident fund loans shall not exceed 5 years after the applicant's statutory retirement age (statutory retirement age: 60 years for men and 55 years for women);
2, the purchase of first-hand housing, provident fund loans for a period of not more than 30 years;
3. Buy a second-hand house:
(1) If the purchase age is less than 5 years (including 5 years), the term of provident fund loan shall not exceed 30 years;
(2) If the purchased house is between 6 years and 19 years, the term of provident fund loan shall not exceed the difference between 35 years and the age of the house;
(3) If the house is purchased for more than 20 years (including 20 years), the term of the provident fund loan shall not exceed 15 years.
Intransitive verb loan interest rate:
1. If it is recognized as the first housing loan, the interest rate of provident fund loan is the benchmark interest rate of individual housing provident fund loan announced by the People's Bank of China;
2. For the second set of improved housing loans, the interest rate of provident fund loans is 1. 1 times the benchmark interest rate of individual housing provident fund loans announced by the People's Bank of China.
Seven. Repayment method:
1. Monthly repayment method of equal principal and interest: the repayment method in which the total amount of loan principal and interest repaid by the borrower is unchanged every month, but the loan principal increases month by month and the loan interest decreases month by month.
The formula is:
2. Monthly average principal repayment method: the borrower repays the principal on a fixed basis every month, and the loan interest decreases month by month.
The formula is:
How much can Shanghai provident fund loan borrow?
For personal housing provident fund loan business in China Bank, the loan amount is as follows:
1. Purchase the first house: the maximum amount of personal loan is 500,000 yuan, and the maximum amount of family loan is 1 10,000 yuan; If the supplementary provident fund is paid, the maximum personal loan amount is 600,000 yuan, and the maximum family loan amount is 654.38+0.2 million yuan.
2. Purchase of an improved second apartment: starting from 20165438+1October 29th, the maximum loan amount is 800,000 yuan (400,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543,800 yuan (500,000 yuan per person).
Note: If the online signing date of the borrower's house purchase contract is before 2065438+2006128 October (inclusive), the original policy shall prevail.
The above contents are for your reference. Please refer to the actual business regulations.
Shanghai provident fund loan policy
Loan conditions of Shanghai provident fund: 1. Loan conditions of provident fund for individual construction, renovation and overhaul of self-occupied housing 1. Construction, renovation and overhaul of owner-occupied housing with ownership; 2. Deposit the housing provident fund normally 6 months before applying for a loan; 3. The borrower's family has no outstanding housing provident fund debt. Two, individuals to buy property protection housing (affordable housing) loan conditions for 1, the purchase of property protection housing in this city; 2. Deposit the housing provident fund normally 6 months before applying for a loan; 3. The borrower's family has no outstanding housing provident fund debt. Iii. Loan conditions of individual housing provident fund 1, and purchase owner-occupied housing with ownership in cities and towns of this city; 2. Deposit the housing provident fund normally 6 months before applying for a loan; 3. The borrower's family has no outstanding housing provident fund debt.
202 1 Shanghai Provident Fund Loan Rules
1. Shanghai provident fund loan application conditions: 1. Purchase owner-occupied housing with ownership in cities and towns of this city; 2. Deposit the housing provident fund normally 6 months before applying for a loan; 3. The borrower's family has no outstanding housing provident fund debt. 2. Shanghai provident fund loan processing location: if you apply for a pure provident fund personal housing loan, the borrower can handle it at the business outlet of Shanghai Housing Property Guarantee Co., Ltd.; If the amount of the provident fund loan is insufficient, the borrower may apply for a portfolio loan at each business outlet of the bank entrusted with the housing provident fund personal housing loan business. Three. Shanghai Provident Fund loan process: the borrower applies for a loan at the accepting outlets-the accepting outlets handle the property status inquiry under the family name-the accepting outlets accept-sign a contract-examine and approve-the real estate trading center handles the mortgage registration formalities-the bank lends money. Four. Time limit for Shanghai provident fund loan processing: the loan application materials are complete, and the review time limit does not exceed 10 working days; In line with the loan conditions, the accepting institution shall not extend the loan for more than 5 working days after receiving the "Real Estate Mortgage Registration Certificate". In addition, we should pay attention to the following issues: 1. When handling a pure provident fund loan, the identification of the first self-occupied housing and the improved second housing is based on the premise that the borrower's family (including the borrower, spouse and minor children) has no complete housing registration; The identification of purchasing an improved second house is based on the fact that the borrower's family (including the borrower, spouse and minor children) only holds one house in the registration information of the housing management department, and the per capita housing construction area is lower than that announced by the statistics department last year. The purchase of * * * housing with property rights protection is determined according to the first set of housing. 2. Relocation of property houses requires cash to make up the over-resettlement fee. Can I apply for a pure provident fund loan for the over-resettlement fee? To apply for pure provident fund loans for the relocation of property houses, in addition to meeting the application conditions for common commercial housing provident fund loans, it is necessary to obtain the written consent of the relocation team, and the purchased houses can be registered as mortgages. If it belongs to the nature of demolition and resettlement, and the house transfer transaction has a certain limited period, such houses are not allowed to apply for housing provident fund purchase loans during the restricted transfer transaction period.
Is Shanghai affordable housing provident fund loan feasible? What is the difference between Shanghai's affordable housing provident fund loan and the general commercial housing provident fund loan operation process? Today, I will give you a detailed list of the implementation details of the Shanghai affordable housing provident fund loan. I believe that after reading it, there will be no similar problems.
Shanghai issued detailed rules for purchasing affordable housing loans from provident fund, stipulating that borrowers must meet the conditions for applying for affordable housing and provident fund loans, and the down payment ratio for purchasing affordable housing loans from the borrower's spouse and affordable housing owners is set at 600,000 per household.
Detailed Rules for the Implementation of Shanghai Affordable Housing Provident Fund Loan
Article 1 (Purpose and Basis) In order to speed up the construction of Shanghai's housing security system and improve the ability of low-and middle-income workers in this city to buy affordable housing, according to the relevant national laws and regulations, the Measures for the Administration of Individual Housing Loans of Shanghai Housing Provident Fund (Hu Fufa [1999] No.27) and the Trial Measures for the Administration of Affordable Housing in Shanghai (Hu Fufa [2009] No.29).
Article 2 (Definition) The term "housing provident fund loans for individuals to purchase affordable housing" as mentioned in these Detailed Rules (hereinafter referred to as "housing provident fund loans for affordable housing") refers to housing provident fund loans for borrowers who meet the requirements for purchasing affordable housing and apply for housing provident fund loans for affordable housing.
Article 3 (Conditions for Loan Application) A borrower shall meet the following loan conditions at the same time:
(a) in line with the conditions for the purchase of affordable housing in this Municipality, and has signed the "Shanghai Pre-sale Contract for Affordable Housing" in accordance with relevant regulations;
(two) in line with the existing housing provident fund personal housing loan conditions.
Article 4 (* * * Same Borrower) In order to improve the fund-raising ability of families who purchase affordable housing, in addition to the borrower, the borrower's spouse and the owner of affordable housing should be the same borrower as the housing provident fund for affordable housing loans. The affordable housing other than the immediate blood relatives of the borrower and the property owner is the same as that of the applicant, and can be used as the borrower of the housing provident fund affordable housing loan with my consent. * * * The borrower shall meet the application conditions for housing provident fund loans at the same time.
Article 5 (Determination of Loan Amount) The calculation method of the loan amount of each household's housing provident fund affordable housing is based on the household, and the borrower and * * * together with the borrower calculate the loan amount separately and accumulate it. The specific loan amount is determined according to the application amount of the borrower and * * * and the current loan limit standard. The amount of housing provident fund affordable housing loans for each household shall reach the following limits:
(a) not higher than the loan limit determined by the borrower and the borrower according to the multiple of the storage balance of their respective housing provident fund accounts;
(two) the down payment ratio is not less than 20% of the total house price;
(3) Not higher than the loan limit determined according to the repayment ability. The calculation formula is as follows: the borrower, * * * and the borrower calculate the monthly contribution of housing provident fund, salary base × specified ratio × 12 months× loan period;
(4) Not higher than the maximum loan amount. The maximum loan amount for each family housing provident fund affordable housing is 600,000 yuan.
Article 6 (Supplementary Repayment) When the borrower of housing provident fund affordable housing loan has difficulties in repayment, the borrower and the borrower may apply to Shanghai Provident Fund Management Center (hereinafter referred to as "Shanghai Provident Fund Center") for supplementary repayment. The scope of supplementary repayment includes: parents, children, brothers and sisters of the borrower. With the consent of the supplementary repayment person and the approval of the municipal provident fund center, after signing the relevant supplementary agreement, the balance of the housing provident fund deposited by the supplementary repayment person can be used to repay the housing provident fund affordable housing loan.
Article 7 (Provision of Materials) When applying for housing provident fund loans for affordable housing, the borrower shall provide the Shanghai Pre-sale (Sales) Contract for Affordable Housing (original) in addition to the materials that should be provided for the current loan application.
To apply for increasing the housing provident fund to supplement the repayment of affordable housing loans, the account number, ID card (original) and proof of the relationship with the borrower should also be provided.
Article 8 (Loan Accepting Unit) The district and county management departments of the Municipal Provident Fund Center, the housing provident fund online loan system and the handling outlets of the guarantee institutions entrusted by the Municipal Provident Fund Center to undertake the personal loan business of housing provident fund may accept applications and handle the work of affordable housing loans in this Municipality.
Article 9 (Loan Audit) The acceptance and audit of housing provident fund affordable housing loans shall be conducted according to the following steps:
(a) the loan acceptance unit to review the borrower's housing provident fund affordable housing loan application materials.
(two) the loan accepting unit shall complete the audit work within 2 working days after the loan applicant submits the loan application materials.
(3) If a loan is issued, the loan accepting unit shall notify the loan applicant to go through the signing formalities, and issue a loan notice to the entrusted bank, and the entrusted bank shall go through the loan formalities; If the loan is not approved, notify the loan applicant and return the materials.
(four) if the loan applicant has any objection to the loan acceptance result, he may apply for reconsideration to the municipal provident fund center through the loan acceptance unit.
Article 10 (Signing of Contract) The borrower, * * * and the borrower, the entrusted bank and the guarantor sign the "Shanghai Housing Provident Fund Individual Purchase of Affordable Housing Guarantee Loan Contract" in a face-to-face manner. The signatory of a contract must have full capacity for civil conduct.
Article 11 (Loan Guarantee) Housing provident fund affordable housing loans shall be guaranteed, and the guarantee institution shall be the guarantor of joint liability for repayment. The borrower and the borrower shall mortgage the property right of the purchased affordable housing in full to the guarantee institution as a counter-guarantee.
Article 12 (Prevention of Loan Risks) The loan accepting unit shall conduct the audit of housing provident fund affordable housing loans in strict accordance with the above provisions; The loan management department should strengthen the management and supervision before, during and after the loan; The loan guarantee institution shall, according to the requirements of business entrustment, do a good job in loan guarantee and loan follow-up.
Article 13 (Withdrawal before Lending) After the borrower has paid more than 20% of the total price of the purchased affordable housing, he can apply to the Municipal Provident Fund Center to withdraw the storage balance in the housing provident fund account of himself and the eligible * * * extractors to pay the purchase price of affordable housing other than loans. After withdrawal, the borrower's housing provident fund account should have a certain balance to ensure that the calculation of the housing provident fund affordable housing loan amount is not affected.
Article 14 (Other Matters) _ Matters not covered in these Detailed Rules shall be implemented in accordance with the relevant provisions of this Municipality's housing provident fund loans and the provisions of the Shanghai Housing Provident Fund Individual Purchase Guaranteed Housing Loan Contract.
Article 15 (Organization and Implementation) The Municipal Provident Fund Management Center shall be responsible for interpreting and organizing the implementation of these Detailed Rules.
Article 16 (Implementation Time) _ These Detailed Rules shall come into force as of the date of promulgation, and the Detailed Rules for the Implementation of Individual Purchase of Affordable Housing Loans from Shanghai Housing Provident Fund (Trial) shall be abolished at the same time.
What are the requirements for China Bank's Shanghai housing provident fund loan?
China Bank Shanghai Housing Provident Fund Loan Conditions:
1, in line with the conditions stipulated by the state and the city's real estate regulation and control policies;
2. Have full capacity for civil conduct;
3, has paid not less than the prescribed proportion of down payment funds;
4. At present, the housing provident fund has been paid in full and continuously for 6 months, and the agreement to withdraw the housing provident fund has not been terminated;
5. Have a good credit record and willingness to repay;
6. It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans;
7 must be the owner of the owner-occupied house with ownership in this city and can provide relevant contracts or certificates, identity certificates and other materials that meet the requirements;
8. Being able to provide the guarantee method recognized by the Municipal Provident Fund Center;
9. Meet other conditions stipulated by the Municipal Provident Fund Management Committee.
The above contents are for your reference. Please refer to the actual business regulations.
What is the loan amount of Shanghai provident fund loan?
The maximum loan amount of Shanghai family housing provident fund is 6,543,800+0,000, and the individual is 500,000. If there is supplementary provident fund, the maximum loan amount of family provident fund will be increased to 654.38+0.2 million, and that of individuals will be increased to 600,000. It shall not be higher than the loan amount determined according to the multiple of the amount stored in the housing provident fund account of the borrower, spouse and borrower (30 times of the balance of the provident fund account and 10 times of the balance of the supplementary provident fund account). 1. The latest amount of Shanghai provident fund loan is as follows: the maximum amount of family housing provident fund loan is 6,543.8+0,000, and that of individuals is 500,000. If there is a supplementary provident fund, the maximum amount of family provident fund loans will be increased to 654.38+0.2 million, and that of individuals will be increased to 600,000. If it is a second suite, the maximum loan amount of the family provident fund is 800,000, and the maximum personal loan amount is only 400,000. If there is a supplementary provident fund, the maximum amount of family and individual provident fund loans is 6.5438+0 million yuan and 500,000 yuan respectively. The four elements to determine the loan amount of provident fund: 1, which is not higher than the loan amount determined according to the multiple of the deposit amount of the borrower, spouse and borrower's respective housing provident fund accounts (30 times the balance of the provident fund account and 10 times the balance of the supplementary provident fund account). 2. Not higher than the loan limit determined according to the proportion of the total house price. 3. Not higher than the loan amount determined by the family according to the repayment ability. The calculation formula is: the borrower's salary base for calculating the monthly payment of housing provident fund is 40% 12 months loan period. 4. Not higher than the maximum loan amount. Second, what is a provident fund loan? Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient. The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc. To sum up, in view of the question of how many times the loan amount of Shanghai provident fund is, we clearly know that the loan amount cannot be higher than 30 times the deposit amount in the provident fund account. Therefore, when you use provident fund loans, you should check the account balance to avoid things caused by policy interpretation.