Loan amount: the loan amount of commercial housing exceeds 50% of the purchased commercial housing price (based on the principle of the lower evaluation price and transaction price). When the property right of commercial and residential dual-use housing exceeds 55%, it is more cost-effective to pay five insurances and one gold;

Because the interest rate of provident fund loans is beneficial to the monthly payment of provident fund, customers say that the amount of provident fund loans applied by non-important customers from provident fund exceeds 80% of the total house price, and the loan limit is 30;

The amount of commercial loans (within 90 square meters) exceeds 70% of the total house price; If the construction area of a single self-occupied house is below 90 square meters (including 90 square meters), 80% of the loan price according to the customer's credit status;

The loan amount, provident fund and commercial loans add up to more than 70% of the total house price.

Extended data:

Key points of new regulations

Ok 1: The second suite can enjoy the provident fund loan.

According to the new policy (20 14 1 1), the housing provident fund loan target is paid-in employees who buy the first set of self-occupied housing or the second set of improved ordinary self-occupied housing, and individual housing loans of housing provident fund are not allowed to be issued to the families of paid-in employees who buy the third and above houses.

20 10 Relevant departments issued a document requesting the implementation of the housing provident fund loan policy of supporting the first set, restricting the second set and prohibiting the third set.

Good two: the first set of self-occupied housing loan quota is expected to increase.

In addition, the three departments require that cities with districts where the personal housing loan issuance rate of housing provident fund is less than 85% can appropriately increase the first set of self-occupied housing loans according to the local commodity housing price and per capita housing area.

Zhang, director of the Housing Provident Fund Supervision Department of the Ministry of Housing and Urban-Rural Development, said that the loan amount of housing provident fund is an important factor affecting the mutual assistance of the system.

Appropriately increasing the loan amount of the first set of self-occupied housing reflects the principle that the housing provident fund system supports basic housing consumption and makes full use of funds.

Good 3: Apply for a loan of 6,543,800 yuan, with a maximum deposit of 8,000 yuan.

According to the new policy, the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee will be abolished. According to industry insiders, these intermediate costs generally account for three thousandths to four thousandths of the total provident fund loans, with a maximum of eight thousandths.

Assuming that employees apply for provident fund loans of 6,543,800 yuan, canceling the four fees means that they can save up to 8,000 yuan. Liu Hongyu said: "These intermediate costs involve many intermediaries and personnel. Now the cancellation of four fees at once shows that the policy is very strong. "

Benefit 4: People who are employed in different places can apply for a mortgage back to their domicile.

It is worth noting that the new policy requires all localities to realize mutual recognition and transfer of housing provident fund deposits in different places, and promote the loan business in different places, that is, employees can apply for housing provident fund personal housing loans from the housing provident fund management center of their place of employment with the payment certificate issued by the housing provident fund management center.

Good 5: You can apply for a mortgage after 6 months of continuous deposit.

At present, the development of individual housing loan business of housing provident fund in various places is unbalanced, and some cities have too strict requirements on loan conditions, and the rate of housing loan issuance is low, which affects the legitimate rights and interests of paid employees and weakens the mutual assistance function of housing provident fund system.

To this end, the new policy proposes that employees who have continuously paid the housing provident fund in full for more than 6 months (inclusive) can apply for individual housing loans from the housing provident fund.

For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.

Good 6: "Money shortage" areas support "portfolio loans". In addition, the new policy requires that cities with a housing provident fund personal housing loan issuance rate of more than 85% should actively coordinate the issuance of housing provident fund and portfolio loans by commercial banks.

Zhang said that the introduction of this policy aims to alleviate the phenomenon of high loan issuance rate, tight liquidity of funds and queuing of employee loans in some cities.

The new policy proposes to fully open 12329 service hotline and short message platform to provide data inquiry, business consultation, repayment prompt, complaints and reports for deposit employees. It is also required to actively explore the establishment of a unified 12329 service hotline and short message platform in the province. ?

References:

Provident Fund Loan-Baidu Encyclopedia