In accordance with the provisions of the normal and full payment of housing provident fund, and in the application for loans has been paid for more than 6 months (inclusive);
The purchased house is an ordinary owner-occupied house in this city, with a purchase and building contract and relevant supporting materials that meet the statutory requirements, and it is agreed to use the purchased built house as a loan guarantee;
1. Purchase of commercial housing
Sales of real estate has signed a cooperation agreement with Hangzhou Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center);
Buy a second-hand house
The real estate agency intermediary company has filed in the provident fund center;
3. Buy public housing
Approved by the housing reform department, the house price has been paid in full;
4. Demolition and resettlement
Demolition and resettlement housing has been completed by the demolition unit ownership certificate, and has paid all the house price;
5. Construction, renovation and overhaul of owner-occupied housing
Should belong to the nature of state-owned land and obtain housing construction planning permit or government departments to approve the construction and repair of housing documents. Two. The down payment ratio is as follows:
1. For the purchase of commercial housing, the down payment ratio of the loan shall not be less than 30%, and shall not be less than the minimum down payment ratio agreed in the property cooperation agreement of the provident fund center;
2 the purchase of affordable housing, loan down payment ratio of not less than 20%;
3. If the second-hand house is purchased and the age of the house is less than 20 years (inclusive), the down payment ratio of the loan shall not be less than 30%; If the house age is more than 20 years, the down payment ratio of the loan shall not be less than 40%;
4 the purchase of public housing, the loan amount does not exceed 70% of the total house price;
5 demolition resettlement or new construction, renovation and overhaul of owner-occupied housing, the loan amount does not exceed 70% of the actual payment. Legal basis: Regulations on the Management of Housing Provident Fund
Eleventh housing provident fund management center shall perform the following duties:
Prepare and implement the plan for the collection and use of housing provident fund;
Responsible for recording the deposit, withdrawal and use of employee housing provident fund;
Responsible for the accounting of housing provident fund;
Approving the extraction and use of housing provident fund;
Responsible for the preservation and return of housing provident fund;
Prepare a report on the implementation of the housing provident fund collection and use plan;
To undertake other matters decided by the Housing Provident Fund Management Committee.
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
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Hangzhou, Chen Cheng
2022- 10-29? ? Banking practitioners share industry knowledge.
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The personal loanable amount of employees is calculated and determined according to a certain multiple of the monthly average balance of the housing provident fund account, and the calculation formula is: the personal loanable amount of employees = the monthly average balance of the employee housing provident fund account × multiple.
The average monthly balance of the employee housing provident fund account is the average monthly balance of the employee housing provident fund account for nearly 12 months (excluding the month of application) (excluding the one-time payment for nearly 12 months), and the shortage of 12 months is calculated according to the actual number of months;
The multiples of Hangzhou's main urban area, Xiaoshan District, Yuhang District, Linping District, Fuyang District and Lin 'an District are currently determined by 15 times;
The calculation result of employee's personal loanable amount is rounded to thousands.
Provident fund loan interest rate
1. The interest rate of provident fund loans is subject to the benchmark interest rate announced by the People's Bank of China in 2022.
2. At present, the benchmark interest rate of provident fund loans is 2.6% for less than five years and 3. 15% for more than five years.
3. It generally takes more than one year to apply for provident fund loans.
PS: The specific approved loan amount is determined by comprehensively analyzing the conditions, price, family credit status, repayment ability and other factors of the house purchased by the borrower according to the relevant national policies on individual housing loans and the relevant provisions on provident fund loans.