If you can get a loan, you can see what the foundation is. You said that place is about 7000 yuan a square meter. You have to have a fixed income to open a hotel, so there is no need to buy such an expensive house.
How to build a house with housing provident fund loans?
7, the construction of owner-occupied housing:
(a) the original and photocopy of the construction land use right certificate;
Original and photocopy of the building planning permit;
(3) The original and photocopy of the construction permit;
(4) The original and photocopy of the project budget prepared by a qualified construction team;
⑤ Original and photocopy of ID card.
1) Application form for housing provident fund portfolio loan for employees of the unit in duplicate;
(2) passbook of housing provident fund of the borrower and spouse. If the spouse has a work unit but fails to pay the provident fund, a certificate of the unit and a certificate of the neighborhood Committee where the spouse is unemployed shall be issued;
(3) The original and photocopy of the ID card and residence booklet of the borrower and spouse;
(4) proof of marital status: the married person shall provide the original and photocopy of the marriage certificate; Singles provide one-inch recent color photos and sign the unmarried statement in person;
(5) The income certificate issued by the personnel department of the borrower's family member's work unit, and the income certificate of foreign personnel shall be accompanied by a notarial certificate or tax payment certificate;
(8)*** If the borrower is an employee outside the scope of the provincial unit provident fund management, provide the housing provident fund loan and housing provident fund deposit certificate issued by the housing provident fund management center of the city where it is located, and indicate the monthly deposit amount;
(9) If the loan term exceeds 15, * * the borrower shall provide proof that the borrower did not participate in the housing reform of the unit or raise funds to build a house. * * If the borrower is an employee outside the management scope of the provincial provident fund, the borrower shall provide proof that the municipal housing reform department did not participate in the housing reform.
Submit the above materials to the provident fund management center.
Personal housing provident fund loan application process
(1) Borrower's application: The borrower shall provide the information required for the loan to the provincial provident fund management center as required.
(2) Credit investigation and loan approval: The loan undertaking bank conducts a credit investigation on the borrower before lending, puts forward opinions, and fills in the Examination and Approval Form for Individual Housing Provident Fund Loan and Portfolio Loan and sends it to relevant personnel for approval. The borrower may, within 7 working days after accepting the loan application, consult the loan undertaking bank for approval results.
(III) Signing a loan contract: After receiving the notice from the loan undertaking bank, the borrower shall go through the formalities of signing a loan contract with the authorized person of * * *, and send the loan contract to the developer for signature and seal, and then submit it to the undertaking bank.
(4) Handling insurance and mortgage registration procedures: The borrower shall handle insurance and mortgage registration procedures for the loan, and the relevant expenses shall be borne by the borrower.
(V) Loan transfer: After confirming that the mortgage registration has been completed and the loan contract has come into effect, the loan undertaking bank will transfer the loan to the account designated by the borrower and the borrower on the date agreed in the contract, and send the loan receipt to the borrower.
(VI) Loan recovery: The borrower shall repay the loan as agreed in the loan contract from the month following the loan. Borrowers can only apply for early repayment after one year of borrowing. If the loan is less than one year, and the borrower needs to repay in advance due to reasons such as going abroad, transferring from this city, transfer of property rights, return of house, etc., relevant certificates shall be submitted.
(VII) Mortgage repayment: After the borrower pays off the principal and interest of the loan, the undertaking bank will issue a loan settlement certificate and go through the mortgage registration cancellation procedures.
Knowledge solution: how to use provident fund loans to buy a house and buy a second suite?
Editor's Note: Buying a house with provident fund loan is a common way to buy a house in the market now, so what is a housing provident fund loan? How to use provident fund loans to buy a house? What conditions do lenders need to apply for provident fund loans to buy real estate? What problems should be paid attention to when purchasing two sets of commercial housing with provident fund? This article answers for you, for reference only.
1. What is a housing provident fund loan?
Housing provident fund loan is a special policy loan set up by Haikou Housing Provident Fund Management Center (hereinafter referred to as the Center) for employees who participate in the housing provident fund deposit within the administrative area of Haikou City to purchase, build, renovate and overhaul their own ordinary houses.
2. What are the conditions for housing provident fund loans? How to use provident fund loans?
1. Pay the housing provident fund in full and on time for more than one year (calculated from the date of loan application) according to the Regulations of Haikou Municipality on the Administration of Housing Provident Fund;
2. I or my immediate family members who live with me buy, build, renovate, overhaul urban self-occupied ordinary houses or buy public houses or other houses without house ownership in Haikou City;
3, a stable income, good credit, the ability to repay the principal and interest of the loan;
4, in accordance with the purchase, construction, renovation, overhaul of ordinary housing related procedures, documents and the provisions of the proportion of self financing;
5. Providing assets that meet the requirements of the Guarantee Law of People's Republic of China (PRC) and are recognized by the Center as mortgage or pledge;
6. Other conditions stipulated by laws, regulations and rules.
Tip: If the borrower's unit is in arrears with the provident fund for more than 3 months (including 3 months), the loan will not be granted.
3. What is the scope of housing provident fund loans?
The center provides loans to borrowers who have the following behaviors:
1, construction, renovation and overhaul of owner-occupied housing with ownership;
2. Purchase existing public housing according to the housing reform policy;
3. Use the ownership of self-owned houses or third-party houses as collateral to purchase the right to use public houses or other houses without house ownership (such as houses invested and built by construction agents, troops and collective land demolition);
4. Purchase stock houses (second-hand houses) listed for trading;
5, the purchase of other ordinary commodity housing (the development unit should sign the "individual housing policy loan cooperation agreement" with the center).
Tip: No loans are allowed for luxury houses (villas), public houses and commercial and residential houses.
How to use provident fund loans to buy a house and the process of applying for provident fund loans for reference:
First, communicate with developers and explain the provident fund for loans (some developers don't do provident fund, and lending is too slow)
2. After signing the sales contract, when signing the mortgage information at the bank at the appointed time, you need to provide the following information:
Original ID card (spouse's ID card is required if married)
book of first record
Marriage certificate (or unmarried certificate)
Proof of income (more than 2.5 times the monthly contribution)
Copy of contribution passbook
Provident fund card (provident fund deposit account is also acceptable)
The passbook has a running bill for more than 6 months (mainly depending on your usual capital entry and exit, it needs a lot of money)
Three. After the loan agreement letter comes out, it will be handed over to the Housing Authority at the time agreed with the owner.
Fourth, take the tax bill-pay the tax-after paying the tax-and then receive the receipt (if the mortgage is made, the bank will send employees to get the receipt because there is a charge)
Verb (abbreviation of verb) put on record-issue new real estate license-send bank mortgage-mortgage-lend.
Note: the submitted materials are mortgaged, and the original bank is only for verification, and the original will not be collected.
How to use the provident fund to buy a second suite?
Q: The average size of the first group of people without loans is less than 28 square meters. How much do you want to pay down for the second mortgage of provident fund? What is the interest rate? What is the minimum loan? What is the average monthly repayment for a loan of 20 years?
A: Hello, even if there is no loan, as long as the property under your name can be found in the system of the Construction Committee, even if the down payment of the second house is 60%, the interest rate will rise above 10%. At present, the benchmark annual interest rate of provident fund loans is 4.9%, and the loan is 20 years, with an average monthly repayment of 5453.5 1. Yuan, but Beijing Provident Fund Center adopts free repayment method, that is, the minimum monthly repayment amount is 43,465,4.
(The above answers were published on 20 13-0 1-24. Please refer to the actual purchase policy. )
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Mortgage interest rate: the loan is 900,000 yuan to buy public houses, and it will be paid off in 30 years. How much is it in January?
"Search and download the super easy-to-use mortgage calculation tool-"original and easy to use ☆ monthly mortgage repayment calculation ". You can think of all the algorithms, and you can calculate them.
Average repayment amount in the first month = total loan amount/loan months = monthly interest rate value of total loan amount.
Matching principal and interest repayment method Monthly repayment amount = total loan amount, monthly interest rate value (1 interest rate value), loan months/(1interest rate value), loan months-1) "
Repay a 360-month loan of 900,000 yuan with an annual interest rate of 7.05%.
Monthly payment: 60 17. 50800 . 00006866667
Repaid loan principal (including prepayment amount) (900,000 yuan)
In which the prepayment amount is * * * (RMB) 0.
The loan interest paid is (RMB) 1266470.905.
Total repayment months (months) 360
Outstanding principal amount (RMB) 0
Second-hand housing provident fund loan procedures
Letter of credit clause
To apply for a housing provident fund loan, the borrower must meet the following conditions:
_ According to the regulations of this Municipality on the management of housing provident fund, the housing provident fund shall be paid in full and on time 1 year or more, and the provident fund shall be paid 1 year or more (calculated from the date of loan application);
_ I or my parents or children purchase, build, renovate or overhaul ordinary housing occupied by urban residents or purchase public housing or other housing without housing ownership within the urban area, and the purchase and construction occurs within one year except for the transfer of provident fund loans;
_ Have stable income, good credit and the ability to repay the principal and interest of the loan;
_ Relevant procedures and documents for the purchase, construction, renovation and overhaul of self-occupied ordinary houses, as well as self-raised funds in a specified proportion;
_ Providing assets that meet the requirements of the Guarantee Law of People's Republic of China (PRC) and are recognized by the Provident Fund Management Center as collateral or pledge;
_ The loan transferred to provident fund meets the conditions stipulated in the Measures for the Administration of Individual Housing Transferred to Provident Fund Loan in Dalian, if the property right certificate has been handled and the original commercial loan bank agrees to pay off the loan in advance;
_ Other conditions stipulated by laws, regulations, rules and relevant provisions of the provident fund center.
Note: No loan will be granted to the borrower's unit that is in arrears with the provident fund for more than 65 days (including 65 days).
loan limit
The center calculates the loanable amount of the borrower according to the following requirements, and takes the lowest value.
_ Do not exceed the loan amount calculated by paying the provident fund.
The calculation formula is: pure provident fund loan amount = (total amount of housing provident fund paid by the borrower/ratio of housing provident fund paid by the borrower × repayment ability coefficient a total amount of housing provident fund paid by the borrower )×12× loan period.
_ Not exceeding the difference between the maximum loan amount in the area where the house is purchased and the accumulated loan amount of the borrower.
In Zhongshan District, Xigang District, Shahekou District, Ganjingzi District and High-tech Industrial Park, the maximum loan amount for single employees is 450,000 yuan, and the maximum loan amount for dual employees is 700,000 yuan.
Jinzhou New District, Bonded Zone and Lushunkou District have a maximum loan amount of 330,000 yuan for single employees and 580,000 yuan for dual employees;
Puwan New District, Changxing Island Economic Development Zone, Huayuankou Economic Zone, pulandian city, wafangdian city, zhuanghe city and Changhai County have a maximum loan amount of 280,000 yuan for single employees and 470,000 yuan for dual employees.
_ Do not exceed the specified loan percentage.
Apply for provident fund loan to purchase the first suite, and the loan ratio shall be determined according to the following conditions:
For the purchase of commercial housing, the loan amount of pure provident fund loans or portfolio loans shall not exceed 70% of the total house price, and the construction area below 90 square meters may be relaxed to 80%.
For the purchase of second-hand houses, the amount of pure provident fund loans or portfolio loans shall not exceed 60% of the lower transaction price and evaluation price, and it may be relaxed to 70% if the building area does not exceed 90 square meters and the house age does not exceed 5 years.
For the purchase of existing houses, the loan amount of pure provident fund loans shall not exceed 70% of the total house price.
The purchase of housing without housing ownership, pure provident fund loans or portfolio loans shall not exceed 60% of the lower transaction price and evaluation price.
Loan A transferred to provident fund shall not exceed 60% of the original purchase price, transfer transaction price and current appraisal price of the house, and loan B transferred to provident fund shall not exceed 60% of the principal balance of the original commercial loan, original purchase price and current appraisal price.
If you apply for a provident fund loan to buy a second suite, the loan ratio shall not exceed 40% of the total house price (the loan amount for second-hand houses and houses without house ownership shall not exceed 40% of the lower value of the house transaction price and appraisal price).
Apply for provident fund loans to buy more than three sets (including three sets) of housing, and suspend loans.
Friendly reminder:
_ Repayment capacity coefficient A is temporarily taken as 0.45.
_ In the case of double loan, the borrower must satisfy the relationship between spouse, parents and children.
_ To apply for a second loan, all the previous loans must be paid off, and the loan amount is the difference between the loan amount of the highest provident fund in the region I can enjoy and the accumulated loan amount of the previous loans.
_ Portfolio loan refers to a loan method for borrowers with loan conditions to apply for part of commercial loans from commercial banks with cooperation agreements with the center when the loan amount of individual housing provident fund cannot meet the demand for house purchase and the repayment ability allows.
_ Transfer to provident fund A means that the original borrower who has applied for individual housing provident fund loan transfers the mortgaged house to the new borrower who intends to apply for individual housing provident fund loan, and the new borrower applies to the Center to transfer the original borrower's loan to the new borrower's individual housing provident fund loan; Transfer to provident fund B means that the borrower who has applied for personal housing commercial loan applies to the center to transfer the original commercial loan to personal housing provident fund loan; Transferring to provident fund C means that the borrower who has handled the individual housing portfolio loan applies to the center to convert the commercial loan in the original portfolio loan into the individual housing provident fund loan.
loan rate
The interest rate of housing provident fund loans is implemented according to the regulations of the People's Bank of China, in which the first set of housing loans has a term of 1-5 years and an annual interest rate of 4.0%; The interest rate of the first home loan is 6-30 years, and the annual interest rate is 4.50%; The interest rate of the second home loan is 1. 1 times that of the first home loan in the same period. In case of interest rate adjustment during the loan period, the loan with a term of 1 will still be executed at the original loan contract interest rate, and interest will not be calculated by stages; For loans exceeding 1 year, the new loan interest rate will be implemented from 1 in the following year, and the interest will be calculated by stages according to the actual number of days in the inter-annual interest period.
Loan repayment
_ Normal repayment:
_ Bank personal settlement deposit account withholding repayment. Before the repayment date agreed in the loan contract or repayment schedule, the borrower shall deposit the principal and interest to be repaid into the personal settlement account opened for repayment (a withholding repayment agreement shall be signed with the center and the correspondent bank for this bank account), and the correspondent bank shall deduct it from this account on schedule every month.
_ Personal housing provident fund account entrusted transfer repayment. Borrowers and their spouses can also sign relevant agreements or contracts with the center and entrust the center to deduct money from their provident fund accounts to repay provident fund loans. The difference between the insufficient repayment of the provident fund account and the personal settlement deposit account of the bank (the bank account shall sign a withholding repayment agreement with the center and the agent bank) shall be withheld and repaid.
_ If the repayment date is exceeded, the Center will charge default interest on the loan principal and interest owed according to the regulations of the People's Bank of China.
_ prepayment —— With the consent of the Center, the borrower may apply for prepayment of part or all of the loan principal and interest, and the repayment method may be cash, provident fund transfer or both.
note:
_ Partial prepayment. The amount of each prepayment shall not be less than 5000 yuan.
_ If the loan term is shortened by more than 65,438+0 months after the loan principal and interest are paid in full in advance, the surrender formalities (referring to insurance premium or guarantee fee) can be handled with the Notice of Full Repayment in Advance (jointly issued by insurance company or guarantee company) or other repayment certificates.
Scope of loan
The center provides loans to borrowers who have the following behaviors:
-Construction, renovation and overhaul of owner-occupied houses with ownership;
-Purchase of existing public housing in accordance with the housing reform policy;
_ Purchase the right to use public housing or other houses without housing ownership with the ownership of self-owned houses or third-party houses as collateral (for example, houses invested and built by agents, troops and collective land demolition);
-Purchase of stock houses (second-hand houses) listed for trading;
_ Purchase other ordinary commodity housing (the developer must sign the Cooperation Agreement on Policy Loans for Individual Housing with the Center).
Note: Housing provident fund loans are not issued for luxury houses (villas), public houses and commercial and residential dual-use houses.
deadline
The loan period of housing provident fund is 1 ~ 30 years, and the loan period plus the age of the borrower shall not exceed the retirement age stipulated by the state (60 years for male employees and 55 years for female employees), and the age of second-hand houses plus the loan period shall not exceed 40 years.
Repayment method
Housing provident fund loans need to be repaid on a monthly basis. The borrower can choose one of two repayment methods, namely the equal principal and interest method and the average capital method. One year after the loan, the borrower can apply for changing the repayment method when repaying part in advance, but a loan can only be converted once.
Matching principal and interest method: the monthly repayment amount is equal, in which the principal repayment amount is less first and then more, and the interest repayment amount is more first and then less, which is suitable for borrowers who are short of funds in the initial repayment period.
Rule of average capital: pay attention to fame and fortune. In the monthly repayment amount, the principal repayment amount is equal, the interest repayment amount decreases with the decrease of the principal, and the monthly repayment amount decreases month by month, which is suitable for borrowers who are not too nervous in the early repayment period.
Can I use the provident fund loan for my apartment?
Generally speaking, it is not allowed.
1 "commercial land" with land use years of 40 and 50 years.
There is a restriction that provident fund loans can only be used for "residential land" with a land use period of 70 years. And apartments, loft, office buildings, commercial and residential uses are basically "commercial land", and the land use period is forty or fifty years, so you can't apply for provident fund loans, you can only apply for commercial loans.
2. "Residential land" with a land use life of 70 years.
Everything is not absolute. Some apartments belong to the nature of "residential land". The land use right of this apartment is 70 years. Like ordinary houses, you can apply for provident fund loans directly.
Extended data; Provident fund loan
First, the loan object
1. Buying a building developed by a real estate enterprise requires a house purchase loan.
personal housing accumulation fund loan
2 to buy public housing that can be sold according to regulations, you need to apply for a house purchase loan.
3. Buying a second-hand house with property rights in the real estate trading market requires a house purchase loan;
4. Housing loans are needed due to the construction, renovation and overhaul of owner-occupied housing in cities and towns in this city;
5 other housing loan projects approved by the bank to cooperate with the government to deepen the reform of the housing system.
Second, the loan amount
According to the current policy, the basic provident fund loan for each household does not exceed 6,543,800 yuan or 654.38+ 05 times of the total storage amount of the account, and the supplementary provident fund loan for each household does not exceed 30,000 yuan or 2 times of the storage balance. For employees who have paid the provident fund at the same time, the maximum loan amount shall not exceed 6.5438+0.3 million yuan. And the maximum loan period is 30 years. The loan amount for purchasing second-hand houses or renovating or overhauling houses shall not exceed 50% of the total house price, and the longest term shall be 10 year. However, the loan term of the main lender shall not exceed the statutory retirement age of 5 years.
The maximum loan amount for purchasing primary market housing and self-built housing is 6.5438+0.5 million yuan, and the maximum loan ratio does not exceed 70% of the total price of purchased or self-built housing; The maximum loan amount for purchasing a second-hand house is 80,000 yuan, and the maximum loan ratio does not exceed 50% of the appraised value of the house purchased.
1. The loan amount is determined by the coefficient not higher than the repayment ability of the borrower (including the spouse), and its calculation formula is:
The sum of the monthly salary income of the borrower's husband and wife who have paid the housing provident fund ×1February× 35 %× loan period (if the borrower's spouse has not paid the housing provident fund normally, the monthly salary income in the formula does not include the spouse).
2. If only one of the borrower's husband and wife normally deposits the housing provident fund, the loan amount shall not exceed 50% of the purchase price and the total purchase price.
3. The specific loan amount of each borrower is determined by the loan bank and the fund management center of the Housing Reform Commission in accordance with the above provisions and in combination with the borrower's repayment ability.
Third, the loan down payment.
From September 2005 1 2065438, the minimum down payment ratio of provident fund loans to buy a second suite can be reduced to 20%.
In order to further improve the individual housing loan policy of housing provident fund and support the reasonable housing demand of paid employees, the minimum down payment ratio of 1 set of housing residents who have settled the corresponding housing loans to apply for housing provident fund entrusted loans again to improve their living conditions has been reduced from 30% to 20%. 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.