Guiyang provident fund loan down payment Guiyang provident fund loan to buy a house

Can Guiyang provident fund buy second-hand houses with down payment?

Buying a second-hand house with Guiyang provident fund can be both a loan and a down payment.

1. In order to actively play the role of the housing provident fund system, further enhance the housing consumption capacity of employees who have paid the housing provident fund, and support the rigid and improved housing needs of employees, Guiyang City has adjusted the current housing provident fund loan amount and down payment ratio. Details are as follows.

2, the maximum amount of housing provident fund loans from 450 thousand yuan to 500 thousand yuan.

3, the first use of housing provident fund loans to buy ordinary self-occupied housing workers' families, the down payment ratio shall not be less than 20%, at the same time, can apply for the withdrawal of personal housing provident fund balance for additional down payment.

4. For the paid workers' families (including borrowers, spouses and minor children) who have applied for a housing provident fund loan once and settled the corresponding housing loan within the administrative area of Guiyang City, if they apply for a housing provident fund loan again to buy ordinary self-occupied houses in order to improve their living conditions, the interest rate shall be implemented according to the benchmark interest rate of housing provident fund loans, with the down payment ratio of not less than 30% and the maximum loan amount of 500,000 yuan. Workers' families are not allowed to apply for the third housing provident fund loan.

5. For employees' families who use housing provident fund loans for the first time to buy second-hand houses, the down payment ratio shall not be less than 25% if the construction area in Xing Tao is less than 90 square meters (inclusive), and not less than 40% if the construction area in Xing Tao is more than 90 square meters. In order to improve the living conditions, the second application for housing provident fund loans to buy second-hand housing, the down payment ratio shall not be less than 40%.

6. The calculation formula of housing provident fund loan is: employee loan amount = monthly salary base of the employee (couple) being loaned × 12× repayment ability coefficient (30%)× deposit balance of the employee (couple) loan years ×5 times. In the calculation formula, if the employee (husband and wife) deposit balance is less than 6,543.8+0,000 yuan, it will be calculated as 6,543.8+0,000 yuan. This notice shall be implemented as of May, 2065438 1 day.

Guizhou: The down payment for the second-home provident fund loan is not less than 40%.

On August 1 1, according to the news of the Ministry of Housing and Urban-Rural Development of Guizhou Province, the Housing Provident Fund Management Center of Guizhou Province issued the Notice on Starting the Three-Level Response to the Liquidity Risk of Housing Provident Fund.

The notice is clear. From August 6th, the calculation formula of individual housing loan amount of housing provident fund will be adjusted, and the second set of individual housing loan policy of housing provident fund will be adjusted. Workers' families who have applied for housing provident fund loans must settle the first set of housing provident fund loans for more than 12 months before they can apply for housing provident fund loans to buy ordinary self-occupied houses again, and the minimum down payment ratio is not less than 40%, and the loan interest rate is 1. 1 times of the personal housing loan interest rate of the first set of housing provident fund for the same period.

In the following cases, employees can follow the original policy: if they buy new commercial housing, they have signed a house purchase contract before August 22 (inclusive) (subject to the signing time in the Registration Form for Pre-sale Contract of Commercial Housing or the Registration Form for Sale Contract of Commercial Housing) and applied for individual housing loan from housing accumulation fund before September 30 (inclusive); Purchase stock houses, have signed a stock house sales contract before August 22nd (inclusive), and have applied for housing provident fund personal housing loan before September 30th (inclusive); Having applied for a "business-to-business" loan before August 22nd (inclusive).

Can Guiyang second suite use provident fund loan? Look before buying a house!

For citizens with better economic conditions, they may need to buy a second suite. Generally speaking, most people will choose provident fund loans to buy a house because the loan interest is relatively low. So can the second suite use the provident fund loan? Let's take Guiyang as an example to see the specific regulations.

First, how to identify the second suite in Guiyang?

For the identification of the second suite, the provisions of the housing provident fund management center shall prevail. According to the records of the credit information system of the People's Bank of China, as long as the employees' family members (including borrowers and spouses) who apply for loans have had a set of housing loans in the credit information records, whether they are housing provident fund loans or commercial loans, whether the houses are sold or not, and whether the loans are settled, they will be recognized as second suites when they buy houses again.

2. Can I apply for a provident fund loan for the second suite in Guiyang?

Of course. However, it is not the same as the first suite. When buying a second suite, the down payment ratio for applying for a housing provident fund loan shall not be less than 50%, which is higher than the down payment ratio of 30% for the first loan. If the first mortgage is a housing provident fund loan, you must apply for a housing provident fund loan again after the principal and interest of the original housing provident fund loan have been settled for one year (including one year). At the same time, the accumulated loan amount of the first provident fund loan and the second provident fund loan shall not exceed 400,000 yuan.

Three, Guiyang second-home provident fund loan amount calculation

Loan amount of housing provident fund = (total monthly housing provident fund wages paid by both husband and wife of the borrower × 12 months )× repayment ability coefficient× loan period.

The maximum amount of housing provident fund loans shall not exceed the balance of the house payment payable and the prescribed proportion, and shall not exceed the prescribed maximum amount.

Guiyang adjusts housing accumulation fund policy: the down payment ratio of loans to buy second-hand houses is reduced to 20%.

On the evening of September 9, Guiyang Housing Provident Fund Management Center announced the Notice on Adjusting Housing Provident Fund Loan Policy.

Workers' families can apply for housing provident fund loans again to buy ordinary self-occupied housing after paying the first set of housing provident fund loans. Workers' families use housing provident fund loans to buy second-hand houses for the first time, and the down payment ratio is not less than 20%; In order to improve the living conditions, the second application for housing provident fund loans to buy second-hand housing, the down payment ratio shall not be less than 30%.

The loan period of individual housing provident fund is adjusted from the longest loanable period of both husband and wife of the borrower to the loanable period of the main lender.

Since June this year 1, Guiyang has also adjusted the maximum amount of housing provident fund loans, from the original 500,000 yuan to 500,000 yuan for single employees and 600,000 yuan for dual employees who have paid housing provident fund in the administrative area of Guiyang (including along the railway).

Previously, if employees' families settled the first set of housing provident fund loans, they had to settle for 1 year (including 1 year) before they could apply for housing provident fund loans again to buy ordinary self-occupied housing. Workers' families use housing provident fund loans to buy second-hand houses for the first time. If the construction area in Xing Tao is less than 90 square meters (inclusive), the down payment ratio shall be not less than 25%, and if the construction area in Xing Tao is more than 90 square meters, it shall be not less than 40%; In order to improve the living conditions, the second application for housing provident fund loans to buy second-hand housing, the down payment ratio shall not be less than 40%. The loan period of individual housing provident fund is calculated according to the longest loanable period of both husband and wife of the borrower.

This adjustment canceled the time limit for the second set of housing provident fund loans; Reduce the minimum down payment ratio of second-hand housing provident fund loans, and unify the down payment ratio standards for commercial housing (forward housing, existing housing) and second-hand housing provident fund loans.

Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that Guiyang's adjustment of the provident fund loan policy has released a relatively loose orientation, which is conducive to some buyers to continue to purchase houses through the provident fund, thus reducing the cost of buying houses; This has also accelerated the sales of some new residential projects, which is conducive to the promotion of Jin Jiu Silver Ten Project this year. In addition, this will help to improve the activity of second-hand housing subscription, so that some homeowners can transfer second-hand housing smoothly, and then have the ability to buy first-hand housing, that is, the demand for improved housing can be actively released.

What is the second-home loan policy with foreign provident fund in Guiyang?

Guiyang can use the foreign provident fund second-home loan policy to suspend the acceptance of foreign personal housing provident fund loans. According to the inquiry, when buying the second suite, the down payment ratio of the housing provident fund loan shall not be less than 50%, but higher than 30%. The first home loan is a housing provident fund loan. After the principal and interest of the original housing provident fund loan have been settled for one year (including one year), you must apply for a housing provident fund loan again to purchase the second suite. At the same time, the accumulated loan amount of the first provident fund loan and the second provident fund loan shall not exceed 400,000 yuan.

Can Guiyang provident fund loans from different places offset the down payment?

Guiyang provident fund loans from different places can offset the down payment, but certain conditions must be met. First of all, the lender must have a stable job and income in Guiyang; Secondly, the lender must meet the loan conditions stipulated by Guiyang Housing Provident Fund Management Center; Finally, the lender must provide relevant information, such as the purchase contract and loan application form.