Previously, the policy implemented by our city was to accept and issue housing provident fund loans to employees who bought third and above houses; If the paid employees apply for housing provident fund loans for the second time to purchase ordinary self-occupied housing, the down payment ratio shall not be less than 30%; The interest rate of the second-home provident fund loan is the same as that of the suite, that is, the annual interest rate 1-5 years is 2. 75%, 5-30 years annual interest rate 3. 25%。 In other words, after August 10, the second time you apply for provident fund to buy a house, the interest rate will not be lower than 2. 75% (current interest rate) × 1. 1 or 3. 25% (current interest rate) × 1. 1。
What are the policy standards for the first suite and the second suite?
1. You can only apply for a loan if you keep deposits in your account for more than half a year.
The adjustment of loan application conditions is the first change of the New Deal.
According to the regulations, when applying for a loan, the borrower should continuously deposit the housing provident fund for more than 6 months (inclusive) and his housing provident fund account is in a normal deposit state; Or with the approval of the housing fund management center of the central state organs (hereinafter referred to as the fund center), the paid employees are in a state of deferred payment, sealing up or retirement cancellation.
At the same time, both husband and wife of the loan applicant have no outstanding housing provident fund, personal housing loan and policy discount loan.
2. The second suite is identified as "recognizing the house and recognizing the loan"
The National Provident Fund Center adjusted the identification standard of the second suite to "recognize the house and recognize the loan".
The New Deal stipulates that if the loan applicant's family (including the loan applicant, spouse and minor children) has no housing and there is no housing loan record under the husband and wife's name (including commercial housing loans and housing provident fund loans), it will be handled according to the first set of housing loan policies.
If the family of the loan applicant has no housing in this city and only has 1 housing loan record in its name, and only has 1 housing loan record in this city and no housing loan record in its name or only has 1 housing loan record, it shall be handled according to the second housing loan policy. In other words, I used to buy a house as a loan, whether it was a commercial loan or a provident fund loan. Now sell small and buy big, and start to recognize the second suite from April 15.
If it is identified as two or more houses, no loan will be granted.
3. The maximum loan for the second suite is 600,000.
In terms of down payment, according to the regulations, if the loan applicant purchases affordable housing, the down payment ratio shall not be less than 20% of the total purchase price; When purchasing the first set of housing other than affordable housing, the down payment ratio shall not be less than 30% of the total purchase price; For the purchase of two houses, the down payment ratio shall not be less than 60% of the total purchase price. If the loan applicant purchases a stock house, the total purchase price shall be the lower of the house appraisal value and the total purchase contract price.
In terms of loan amount, the maximum amount of the first set of housing loans is 6.5438+0.2 million yuan, and the benchmark loan interest rate is implemented; The maximum amount of the second home loan is 600,000 yuan, and the loan interest rate is the benchmark loan interest rate 1 for the same period. 1 time.
In addition, under the premise of ensuring the borrower's basic living expenses, according to the loan amount, term and applicable interest rate applied by the borrower, the monthly repayment amount calculated by the equal principal and interest repayment method shall not exceed 60% of the borrower's monthly income.
At the same time, the loan term does not exceed 25 years, the longest can be calculated to 5 years after the legal retirement age of the loan applicant, and the maximum is no more than 65 years old.
Second, what is the down payment ratio of commercial loans to buy two suites?
For families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied housing with a construction area of over 90 square meters in Xing Tao, the down payment ratio of the loan shall not be less than 30%; For families who purchase a second home by loan, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be lower than the benchmark interest rate 1. 1 time; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management.
I hope the above content can help you. If in doubt, please consult a professional lawyer.
Legal basis:
Article 13 of the Regulations on the Management of Housing Provident Fund
The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.
The unit shall go to the housing provident fund management center for the registration of housing provident fund deposit, and after being audited by the housing provident fund management center, set up a housing provident fund account for its employees at the entrusted bank. Each employee can only have one housing provident fund account.
The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.
Article 14
Newly established units shall, within 30 days from the date of establishment, go to the housing provident fund management center to register the deposit of housing provident fund, and within 20 days from the date of registration, go to the entrusted bank to go through the formalities for the establishment of housing provident fund accounts for their employees.
In case of merger, division, cancellation, dissolution, bankruptcy, etc., the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and within 20 days from the date of completing the change or cancellation of registration, go to the entrusted bank to handle the transfer or sealing of the housing provident fund account for the employees of the unit with the audit documents of the housing provident fund management center.
Article 15
Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center.
Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.
Article 16
The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Article 17
The new employee starts to pay the housing provident fund from the second month after joining the work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio.
The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.
Article 18
The deposit ratio of employees and unit housing provident fund shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.
Article 19
The housing provident fund paid by individual employees shall be withheld and remitted from their wages by their units every month.
The unit shall, within 5 days from the date of monthly payment of employees' wages, remit the housing provident fund paid by the unit and remitted by the employees into the housing provident fund account, which shall be transferred by the entrusted bank.