What is the interest rate of Weifang housing loan?

1. What is the housing loan interest rate in Weifang?

Don't understand = =!

2. How many times is the Weifang Provident Fund account balance?

Twenty times at most! According to Weifang's latest provident fund policy, the maximum personal loanable provident fund account balance is 20 times! This is very good news for buyers, which means that we can borrow more money, and the interest of provident fund loans is much less than that of commercial loans, so buyers can save a lot of money!

3. What is the interest rate of Weifang Bank's provident fund loan?

1, the annual interest rate is 3.25% when the loan time is more than 5 years;

2. Loan), with an annual interest rate of 2.75%.

Materials for applying for Weifang Bank's provident fund loan:

1, my identity

2. Purchase contract or agreement and proof of down payment;

3, provident fund deposit certificate, family income certificate;

4. Effective

Four, Weifang provident fund loan interest rate

Benchmark interest rate: 1-5 years (including 5 years), 2.75% for the first suite and 3.25% for 5-30 years; The benchmark interest rate for the second home will rise by 10%, that is, by 3.025% in 1-5 years (including 5 years) and by 3.575% in 5-30 years. The amount of provident fund loans is determined according to the lowest of the following four items: (1) It shall not exceed the maximum amount announced by Weifang Housing Provident Fund Management Committee; If the total deposit ratio (the sum of the respective deposit ratios of units and employees) is 20% (excluding) -24%, the loan ceiling is 400,000 yuan; If the total deposit ratio is 16% (excluding) -20% (including), the loan ceiling is 370,000 yuan; If the total deposit ratio is below 16% (inclusive), the loan ceiling is 350,000 yuan. (2) When deducting the total house price, it shall not exceed the remaining house price after the down payment is paid according to the specified proportion. If the owner of the house purchase contract is a person with full capacity for civil conduct other than husband and wife, the maximum loan amount shall be the remaining house payment after deducting the down payment according to the specified proportion of the value of the house occupied by the borrower (if there is a specific proportion, it shall be divided according to the specific proportion; if there is no specific proportion, it shall be divided according to the average proportion). (3) Calculated according to 15 times of the sum of the balance of the provident fund accounts of both husband and wife at the time of the borrower's application; If the borrower is single, it shall be calculated according to 15 times of the balance of the applicant's provident fund account. (4) If the loan term is less than 5 years (including 5 years), the monthly repayment amount shall not exceed 50% of the total monthly income of both husband and wife (excluding loans within 1 year); If the loan term is more than 5 years, the monthly repayment amount shall not exceed 40% of the total monthly income of both husband and wife. Calculation formula: (monthly repayment of provident fund loans, commercial loans, consumer loans and secured loans)/monthly household income ≤50% or 40%. Weifang housing provident fund portfolio loan provident fund loan amount is not enough to pay for the purchase cost, with the same house as collateral, and at the same time apply to the entrusted bank for commercial housing loans; Meet other loan conditions of commercial banks. Legal basis: Article 25 of the Regulations on the Management of Housing Provident Fund, if an employee withdraws the balance stored in the housing provident fund account, the unit where he works shall verify it and issue a certificate of withdrawal. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.