Chongqing first home provident fund loan

What are the conditions for Chongqing provident fund loan to buy a house?

Chongqing provident fund loans need to meet the following conditions:

1. The housing provident fund shall be paid in full and on time within 6 months (inclusive) before applying for the loan, and the provident fund account shall be in normal payment state when applying for the loan.

2. Have full capacity for civil conduct, have a stable income, and have the ability and willingness to repay the loan principal and interest on schedule.

3. Personal credit information is in good condition and meets the requirements of central credit information. All loans that are overdue for more than three consecutive periods and accumulated for more than six periods within two years can be paid off in one lump sum.

The withdrawal of provident fund does not affect the number of provident fund loans, but it does have an impact on provident fund loans; The most direct thing is to affect the amount of provident fund loans. The recognition standard of provident fund loans has nothing to do with the withdrawal of provident fund loans, that is, if you want to buy a house according to the first set of provident fund loans, you must have no records of housing and provident fund loans under the name of (family).

Chongqing Provident Fund New Policy 2022

I. Loan amount

(1) Loan amount

Housing provident fund Personal housing loan The personal loan amount is 25 times of the balance of the housing provident fund account, with a maximum amount of 500,000 yuan for individuals and 600,000 yuan for families with many children.

The loanable amount of both husband and wife participating in the loan is calculated by adding the loanable amount of employees and their spouses, and the total amount of a single housing provident fund loan does not exceed 6,543,800 yuan; The total amount of loans for families with many children jointly participated by husband and wife shall not exceed 6.5438+0.2 million yuan.

(2) Percentage of loans

If the employee's family deposits the employee to purchase the first set of housing, the maximum loan ratio of the housing provident fund personal housing loan is 80% of the value of the purchased housing;

If the employee's family pays the employee to buy a second house, the maximum loan ratio of the housing provident fund personal housing loan is 70% of the value of the house purchased, and the maximum loan ratio of the employee's family with many children is 75% of the value of the house purchased.

(3) Other provisions.

1, the employee's family buys the first second-hand house, and the maximum loanable amount is 80% of the lower of the appraised value of the purchased house and the transaction amount filed by the real estate registration agency;

For the second set of second-hand houses purchased by employees' families, the maximum loan can be 70% of the lower of the appraised value of the houses purchased and the transaction amount filed by the real estate registration agency;

When a family with many children buys a second-hand house, the maximum loan amount is 75% of the lower of the appraised value of the house purchased and the transaction amount filed by the real estate registration agency;

The amount of the first-hand housing replacement loan shall not exceed the remaining principal balance of the original loan at the time of application;

Second-hand housing replacement loans should comply with the provisions of the first-hand housing replacement loans and second-hand housing mortgage loans.

2. The monthly debt paid to the employee's family shall not exceed 50% of the family's monthly income.

Second, the loan interest rate.

The personal housing loan interest rate of housing provident fund shall be implemented in accordance with the provisions of the People's Bank of China, and adjusted with the interest rate adjustment of the People's Bank of China.

At present, the annual interest rate of loans with a term of less than five years (inclusive) is 2.6%, and that of loans with a term of more than five years is 3.1%;

If the employee's family pays the employee to buy a second house, the annual interest rate of the loan for five years or less is 3.025%, and the annual interest rate of the loan for more than five years is 3.575%.

Third, the loan term.

The longest term of housing provident fund personal housing loan is 30 years, and the maturity date of the loan shall not exceed 5 years after the borrower's statutory retirement time.

Fourth, the loan participation regulations.

The borrower's spouse with full capacity for civil conduct may participate in the loan (hereinafter referred to as "participating in the loan") when the housing provident fund has been paid in full and on time for more than half a year. Where the husband and wife jointly participate in the loan, the loanable amount paid to the employees and their spouses shall be calculated by adding the loanable amount of individuals, and the borrower's spouse shall be regarded as the co-borrower of individual housing loan of housing provident fund after participating in the loan.

Verb (abbreviation for verb) Other policies and regulations

According to the relevant policies and regulations of the state and our city, provident fund loans support the reasonable housing needs of employees, and do not accept personal housing loans for the purchase of third and above houses and "three noes" personnel housing provident fund.

(1) Criteria for determining the number of newly purchased housing units:

In the aspect of "recognizing housing", when employees' families buy new housing in the central city, they only recognize the number of housing units in the central city; When employees' families buy new houses in counties outside the central city, determine the number of housing units within the city;

In the aspect of "loan identification", only the individual housing loan records of housing provident fund are included in the verification scope.

(two) replacement loan housing demolition standards:

In addition to housing and commercial housing loans for the purchase of housing, there is no record of housing loans paid to employees' families, and there is no housing in this city.

(3) Identification of "three noes":

Refers to individuals who have no household registration, no enterprise and no job in Chongqing at the same time.

1. "Household registration" refers to the household registration of the purchaser in Chongqing;

2. "Self-owned enterprise" refers to the enterprise (including company, partnership enterprise and sole proprietorship enterprise) that the purchaser has invested and established in Chongqing when purchasing the new house 1 year, and the enterprise continues to carry out business activities and has relevant tax payment or social security payment records (except for purchasing shares of listed companies through the secondary market);

3. "Having a job" refers to being employed in Chongqing, participating in social insurance in Chongqing within 1 year, and paying social insurance premiums for more than 12 months (including individual industrial and commercial households and their employees, paying social insurance premiums continuously for more than 12 months in the new year).

(4) determine the families with many children:

A family with many children refers to a worker's family with two or more children.

(e) "mutual recognition and mutual loan" of housing accumulation fund in Sichuan and Chongqing;

Sichuan paid workers apply for housing provident fund and individual housing loans in our city to enjoy the same city treatment.

(six) loans for flexible employees:

Choose the flexible employees designated by our city to deposit and use the products, and pay in full and on time according to the agreement to obtain the loan qualification. In line with the relevant provisions of the city's housing provident fund loan policy, you can apply for the use of housing provident fund loans when purchasing the first and second sets of self-occupied houses.

Sixth, netizens ask questions.

Application entrance and method of Chongqing commercial loan to provident fund loan

Chongqing Housing Provident Fund Management Center has now opened the online reservation function for accepting replacement loans (business-to-business) in the central city.

Each booking channel and step:

(1) Chongqing Provident Fund Center WeChat official account: Chongqing Provident Fund Center-Micro official website-Convenience Service-Loan Appointment-Acceptance Appointment

(2) Mobile APP (click here to scan the code to download Chongqing Housing Provident Fund APP): convenience service-loan appointment-accepting appointment.

(III) Netroom: official website and Chongqing Housing Provident Fund Management Center-Personal Online Service Hall-Loan Appointment-Acceptance Appointment Each channel inputs the loan-related information in the "Acceptance Appointment", and the appointment outlet selects "Bank of Communications minzu road Branch", selects the appointment time and time, and carries out face recognition verification according to the prompts. After passing, the reservation is successful, and you will receive a short message prompt of "12329" after the reservation is successful.

(4) Specific acceptance address: 6th floor, Central Asia Building, No.74 Renhe Street, Daxigou, Yuzhong District (opposite to Renhe Street Primary School);

(5) Tel: 023-63853620.

Chongqing House Purchase Policy 2022 Latest

Conditions of buying a house for local and non-local accounts in Chongqing

Household registration in this city:

1, the first suite: there is no room or loan in Chongqing, and the down payment ratio is not less than 20%;

2. Second suite: Chongqing has 1 housing (whether the loan is settled or not), and the down payment ratio of the second suite is not less than 40%;

3, three suites and above: there are three or more houses in Chongqing, the full amount;

4. Apartments and shops: The down payment for apartments and shops (40-year property rights) will be 50%, and the longest loan period can only be 10 year.

Non-local household registration:

1, foreigners need to provide local tax payment certificate or social insurance payment certificate when they borrow money to buy a house 1 year or more. If it is the full amount, no other proof is needed.

2. If non-Chongqing residents are unable to provide relevant certificates (the name of tax payment certificate or social insurance payment certificate), commercial banks will suspend the issuance of housing loans. Not all the formalities count as two suites. Banks need not only proof of tax payment and social insurance payment, but also proof of income and repayment ability to buy a house with loans from different places.

Chongqing's "three noes" housing policy Chongqing: (three noes: no household registration, no enterprise, no job)

1, Chongqing canceled the purchase restriction for three employees. In fact, Chongqing is not limited to three employees at present, and the full amount can still be bought at will, but there are other restrictions;

2. From June 28, 2020, Chongqing officially introduced the policy of "three no-employees" in different places to restrict mortgage purchases. In other words, banks are not allowed to provide personal housing mortgage loans to people who cannot provide "Chongqing tax payment certificate" or "social security certificate" for more than 1 year, and they must pay at least five thousandths of the property tax every year;

3. Those who have "three noes" in other places can't go to mortgage to buy a house in Chongqing and can only buy a house in full. However, if you buy apartments, shops, office buildings and other commercial buildings, some buildings can support "three noes" and handle loans normally.

How to determine whether it is a household registration in this city?

1. The family members of the purchaser are the purchaser, spouse and minor children. If one of the family members of the purchaser is registered in this city, it shall be deemed as registered in this city.

2. If the purchaser holds the collective household registration in this Municipality, the location of the issuing authority recorded in my ID card (excluding temporary id card) shall be used as the basis for judging whether it is the household registration in this Municipality.

3. If the purchaser holds a military officer's card, a soldier's card or a police officer's card (excluding the staff of the local public security organ), it shall be regarded as a resident of this Municipality in principle.

At present, there is no purchase restriction policy in Chongqing, but houses in Chongqing are restricted for sale. The specific provisions are as follows:

1. From September 23, 20 17, newly-built commercial housing and second-hand housing purchased in the main urban areas (Yuzhong District, Jiangbei District, Shapingba District, Jiulongpo District, dadukou district, Nan 'an District, Beibei District, Yubei District, Banan District and Liangjiang New District) can only be listed and traded after two years.

2. The identification time of newly purchased new commercial housing is based on the online signing time of commercial housing sales contract, and the identification time of newly purchased second-hand housing is based on the time of obtaining the Notice of Acceptance of Property Registration.

Chongqing's latest mortgage policy

commercial loan

202 1 1 20 loan market quotation (LPR) is: 1 year LPR is 3.85%, and 5-year LPR is 4.65%. The above LPR is valid until the next LPR version. This is since May 2020, LPR has not changed for 9 consecutive months.

At present, the loan interest rates of major banks in Chongqing are as follows, which can be used as a general reference.

Provident fund loan conditions

You can apply for provident fund loans when you buy the first suite in the main city of Chongqing, and you can apply for provident fund loans when you buy the first suite and the second suite in the outer suburbs.

1, the provident fund must be deposited in Chongqing Provident Fund Center;

2. Chongqing hukou borrowers must pay for more than half a year, and foreign hukou borrowers must pay for more than one year; 3. The construction period of the purchased property is no more than 20 years, and the structure of the purchased property cannot be mixed, brick-wood structure;

4, do not accept the used provident fund loans, and did not pay off the arrears of the application;

5. It is only allowed to apply for provident fund 3 months after the last settlement of provident fund;

6. The loan term plus the borrower's age, women can't exceed 55 years old and men can't exceed 60 years old, which can be appropriately extended by the certificate issued by the unit;

7. The object of the provident fund loan is to pay the provident fund in full and on time within 6 months (inclusive) before applying for the loan (including employees registered in this city or employees registered in other places), and to buy their own houses in cities and towns in our city and have full capacity for civil conduct.

It should be noted that you can apply for provident fund loans when you buy the first suite in the main city of Chongqing, and you can apply for provident fund loans when you buy the first suite and the second suite in the outer suburbs.

Any of the following situations is considered as non-first residence:

1. According to the inquiry of the provident fund center system, the employee's family has one or more provident fund loans (whether paid off or not).

2. According to the credit information system of China People's Bank, the employees' families have one or more records of buying houses with loans (whether paid off or not).

3, registered by the city real estate registration management agencies, workers' families have more than one set of housing.

How to handle the provident fund purchase in different places?

Application location: If you apply for buying a first-hand house, just hand over the materials to the developer for processing. Applications for the purchase of second-hand houses need to be handled at the branches of Industrial and Commercial Bank of China and Bank of Communications.

Application procedure: The application procedure is the same as the local provident fund loan.

Application materials: the materials are the same as local loans, except that a certificate of deposit and use of housing provident fund for employees with foreign loans is needed.

Where to issue the certificate: apply to the provident fund center where the provident fund is deposited, and after the municipal provident fund center verifies the loan deposit, issue the Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans.

loan limit

1. Maximum amount: the maximum amount of personal provident fund loan is 400,000 yuan, and the maximum amount of personal provident fund loan after the spouse participates in the loan is 1.5 times (600,000 yuan).

2. Maximum loan ratio: The maximum loanable ratio of provident fund loan is 80% of the value of the house purchased.

3. Loanable amount: The actual loanable amount of the borrower must meet the following conditions at the same time: the total loanable amount = the sum of the borrower's family income and the loan period (month); The loanable amount of housing provident fund funds = 25 times of the sum of the balance of the borrower's and spouse's housing provident fund accounts.

4. Other quota provisions; The maximum loanable ratio of the second-hand housing mortgage loan is 80% of the lower of the appraised value of the purchased second-hand housing and the transaction amount filed by the real estate registration agency. First-hand housing replacement loans should comply with the provisions of the first-hand housing replacement loans and second-hand housing mortgage loans.

Down payment ratio

According to the Notice of Chongqing Housing Provident Fund Management Committee on Implementing the Three Ministries (on Adjusting the Minimum Down Payment Ratio of Individual Housing Provident Fund Loans), the down payment ratio of Chongqing housing provident fund loans was adjusted to 20% from 20 18.

loan rate

The interest rate of the provident fund loan is adjusted and released by the People's Bank of China, and the housing provident fund loan is implemented according to the current housing provident fund individual housing mortgage loan interest rate stipulated by the People's Bank, and adjusted with the adjustment of the national interest rate.

deadline

The longest term of housing provident fund personal housing mortgage loan is 30 years, and the maturity date of the loan shall not exceed 5 years after the borrower's statutory retirement time. The borrower's spouse can participate in the loan if he has paid the housing provident fund in full and on time for more than half a year. If the spouse participates in the loan, the maximum amount of the housing provident fund for each loan shall not exceed 1.5 times of the maximum amount of the individual. After the borrower's spouse participates in the loan, it shall be regarded as the provident fund personal loan co-borrower.

What taxes do I have to pay to sell shops in Chongqing?

1. Buyer's payment:

(1) Property transaction fee: 5 yuan /m2 is an ordinary residence, and non-ordinary residence is 1 1 yuan /m2.

(2) Registration fee for houses sold by shops in Chongqing: 550 yuan/book (for each additional certificate, the fee will be charged at 10 yuan).

(3) Stamp duty on warrants: 5 yuan/Ben.

(4) Stamp duty: 0.05%

(5) Deed tax: transaction price (or appraisal price) × 3%.

2. Seller's payment:

(1) When Chongqing sellers sell, regardless of their years, the shops have to pay the following taxes and fees: real estate transaction fee of 3 yuan /m2.

(2) Stamp duty: 0.05% of the house price in Chongqing. (3) Land tax: Land tax = [transfer income-handwritten bill price (plus 5% per year)-related taxes] × applicable tax rate If Chongqing handwritten house purchase bill can be provided. If the house purchase bill cannot be provided, the land tax = (transfer income-transfer income × 90%) × 30%.

(4) Personal income tax: the actual levy is (transfer income-original value of real estate-reasonable expenses) × 20%, and the approved levy is transfer income × 7.5% × 20%. Transfer income-original value of property-reasonable expenditure is equivalent to personal net income.

(5) Business tax and surcharges: (transfer income-bill price) × 5.5% (if bills can be provided). If the bill cannot be provided, it is the transfer income × 5.5%; The tax is 5.56% of the difference.

(6) Land transfer fee: 35% of the benchmark land price of commercial housing in Chongqing is charged; Commercial street parcels in the price segment of commercial routes are charged at 10% of the route price; The use of the house is charged at 30% of the benchmark land price of the grid point. (7) Deed tax of land transfer fee: 3% of the land transfer fee price in Chongqing this time.

Let's stop here for the first housing provident fund loan in Chongqing.