What is the interest rate of Shangrao provident fund loan of 600,000 yuan?

1 .600,000 housing loan interest of Shangrao Provident Fund?

Shangrao provident fund loan 600,000 yuan to buy a house has a 2.5% interest rate, because the provident fund is a preferential way to facilitate employees to buy a house, and the interest rate on house loans is low and the pressure is low, so Shangrao provident fund loan 600,000 yuan to buy a house has a 2.5% interest rate.

2. Is there an age requirement for second-hand houses with provident fund loans in Shangrao City, Jiangxi Province? This house was built in the 1980s, with an area of nearly 100 square meter.

I'll give you the provident fund loan policy, too. See for yourself.

1. What is a personal housing provident fund loan?

Personal housing provident fund loan refers to a special housing consumption loan that is paid to employees who pay housing provident fund with housing provident fund as the source of funds and is directed to purchase, build, renovate and overhaul their own houses. Self-owned housing purchased by employees includes commercial housing, affordable housing, fund-raising housing, cooperative housing, rebuilt housing, private housing and public housing.

2. What is a personal housing portfolio?

Personal housing portfolio loan refers to the borrower's application for housing provident fund loan to pay for the purchase, construction, renovation or overhaul of housing. Commercial banks can apply to the borrower for personal housing mortgage loan financial business of commercial banks at the same time with personal housing provident fund loan and housing loan of commercial banks.

3. What are the basic conditions for applying for housing provident fund personal housing loans in our city?

The policy is formulated by the housing provident fund management committees of all districts and cities, including: the basic terms of applying for housing provident fund loans in our city, the purpose of loans, and the basic conditions of housing loans.

(a) housing provident fund has been paid continuously for three months before housing, and the housing provident fund has been paid in one lump sum for one year; Workers who have no housing provident fund loan debt and have full capacity for civil conduct shall purchase, build, renovate or overhaul gold loans. Where the employee's unit is in arrears with the housing provident fund, but the unit has made a repayment plan in accordance with the regulations and paid the housing provident fund in accordance with the plan, it can be regarded as even.

(2) the use of housing provident fund loans: the use of housing provident fund loans must be earmarked for special purposes, only for owner-occupied housing with property rights.

(3)

1, with permanent residence in this city.

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

3, the purchase of housing, there must be a contract or agreement to buy housing according to law; The construction and reconstruction of houses must have documents approved by the planning and land management departments, and be approved by the planning department.

4. The standard of owner-occupied housing is subject to the standard published by the housing management department of this Municipality), and the payment is not lower than the purchased housing; Purchase other types of self-occupied housing and pay a down payment of not less than 30% of the total price of the purchased housing; 30% of the cost of building, renovating or overhauling self-owned houses and overhauling houses.

5. Agree that the guarantee meets the guarantee conditions recognized by the Municipal Housing Provident Fund Management Center and the loan bank.

6. Before the city housing provident fund management center or one of the husband and wife applies for housing provident fund loans, neither husband nor wife can obtain housing provident fund loans.

4. How to verify the loan amount of individual housing provident fund in our city?

(a) housing provident fund according to the base of payment of wages and.

(2) According to the loan limit.

(3) The loan amount determined according to the guarantee method.

(4) Maximum loan amount.

How long does the MPF loan last?

The longest loan period is 30 years. The age of the borrower is 5 years after the loan application period and retirement age. "

6, housing provident fund loan interest rate is

The housing provident fund loan interest rate shall be implemented in accordance with the relevant provisions of the state. For loans with a loan term of less than one year (including one year), the interest rate shall be adjusted and the interest shall not be calculated by stages. If the loan term is more than one year, if the legal interest rate is adjusted, the new interest will be implemented according to the corresponding interest rate grade 1 from the next year.

7. What is the current housing provident fund loan situation in our city?

At present, there are four ways to guarantee housing provident fund loans in our city:

(1) mortgage guarantee. The borrower can own the property mortgage with the title certificate.

(2) Securities pledge guarantee. The borrower can pledge securities recognized by the municipal housing provident fund management center and loan banks, such as national debt and bank deposit certificates.

(3) Personal housing provident fund deposit balance pledge guarantee. Loans can be pledged by the balance of housing provident fund of oneself, spouse, immediate family members and others.

(4) Mortgage plus installment guarantee. When the borrower purchases the legally auctioned house of the developer (selling unit), the developer (selling unit) will provide the staged joint liability guarantee before the borrower obtains the house property certificate and completes the mortgage registration. Mortgage is the house that the borrower buys from the developer (selling unit).

8. What is the maximum loan limit in our city at present?

At present, the maximum amount of housing provident fund loans in our city is 300,000 yuan.

9. What are the procedures for applying for housing provident fund personal housing loans?

The operation process of housing provident fund loan is: pre-loan consultation-loan acceptance-pre-loan investigation-loan review-loan approval-loan issuance-post-loan management. However, there is one more procedure for issuing housing provident fund forward loans in advance, and preparations need to be made before the loans.

10, what is commercial individual housing loan to housing accumulation fund individual housing loan? Housing provident fund commercial personal housing loan Personal housing loan refers to employees who meet the conditions of housing provident fund personal housing loan. On the premise of paying off the commercial personal housing loan in advance and canceling the registration of loan collateral, you can apply for conversion to provident fund loans and enjoy the preferential policies of housing provident fund personal housing loans.

1 1. What are the requirements for applying for transferring loans to provident fund?

Workers who have paid the housing provident fund in full and continuously for 1 year and have full capacity for civil conduct can apply for commercial personal housing loans when purchasing, building, renovating or overhauling their own self-occupied housing, and they can apply for housing provident fund loans if they meet the following conditions:

(a) with the city's urban permanent residence or valid residence certificate;

(2) Having a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

(3) The commercial personal housing loan that has been handled must comply with the relevant provisions of the People's Bank of China on personal housing loans, and the loan has been repaid normally for more than one year, and there is no record of overdue repayment for more than two consecutive periods;

(4) The borrower who applies for the transfer of the provident fund must be the borrower of the original commercial loan or the property owner. Where property rights are mortgaged, the property owner must be the borrower's spouse or the borrower's lineal blood relatives.

(five) when applying for the transfer of provident fund loans, the borrower and spouse have not yet handled or paid off the housing provident fund loans.

12. What certification materials do borrowers need to provide when transferring to provident fund loans?

The borrower who transfers the provident fund loan shall provide the originals and photocopies of the following documents and materials:

(1) ID card and marriage certificate of the lender and its spouse;

(2) Real estate license, land use right certificate and deed tax certificate for purchasing, building, renovating or overhauling houses with commercial personal housing loans;

(3) Personal housing loan contract (including loan mortgage contract) signed with the loan bank one year before applying for loan and loan repayment record provided by the loan bank.

(four) other information required by the provident fund center.

13. What procedures do I need to go through to apply for personal housing loan to housing accumulation fund?

Transfer to provident fund loans should be handled according to the following procedures:

(1) The borrower of the loan shall submit a written application for transferring the provident fund to the central office (business department) of the provident fund with the original and photocopy of documents and materials;

(two) the office (business department) to review the information provided by the sub-loaner, interview the sub-loaner on matters related to housing provident fund loans and form interview records, and the sub-loaner fills in the personal housing provident fund loan business declaration form;

(three) the office (business department) mortgage review and approval, the city provident fund center for approval;

(four) the provident fund loan contract signed by the borrower and his spouse;

(5) Lending borrowers raise funds to pay off individual bank housing loans in advance, and cancel the original mortgage registration of bank loans at the real estate management department and re-apply for mortgage registration of housing provident fund loans;

(six) the cashier of the office (business department) shall issue a transfer check after receiving the approval of the head of the department;

(7) The entrusted bank transfers the housing provident fund loan into the personal loan account of the sub-loan borrower according to the requirements of the power of attorney.

14. What conditions do borrowers need to apply for changing individual housing provident fund (portfolio) loans? If the death or divorce of the borrower involves the transfer of property rights of the house, the original borrower or the transferee of the house may apply to change the borrower.

15. What materials does the borrower need to provide when applying for changing the individual housing provident fund (portfolio) loan?

In case of change due to death or divorce, the original borrower's death certificate or divorce certificate shall be provided, and the notarial certificate issued by the notary department that the successor has the right to inherit the house or the assignee has the right to transfer the house. If there is a dispute between the right of inheritance and the assignee, a judgment, ruling or conciliation statement made by the people's court shall be provided.

16. What are the conditions for applying for changing the collateral for individual housing provident fund (portfolio) loans?

If the borrower exchanges the purchased mortgaged house with the same seller and re-signs the purchase contract or agreement, the borrower may apply to change the collateral; Where the original mortgaged property is devalued, damaged or lost, the borrower shall apply for changing or supplementing the mortgaged property.

17. What materials do I need to provide to apply for changing the collateral of personal housing provident fund (portfolio) loan?

(1) If the changed collateral is a house without the property ownership certificate, a new house purchase contract or agreement after the transaction shall be provided; If the changed collateral is a house that has obtained the house ownership certificate, it shall provide the house evaluation report and the house ownership certificate of the new collateral;

(2) If the borrower, spouse or parents or children of the same household registration suffer from special major diseases, provide the diagnosis certificate of major diseases issued by the hospital designated by the medical insurance department;

(3) If the borrower or his spouse loses the ability to work, provide the certificate of the hospital at or above the county level and the labor ability appraisal certificate of Shangrao injured workers issued by Shangrao Labor Appraisal Committee; In case of death, provide a death certificate; Sentenced to punishment, provide a written judgment issued by the judicial department; If the borrower is divorced, provide a divorce certificate;

(four) if one or both parents and children have the same household registration, resulting in a decline in economic conditions, they should also provide marriage certificates, household registration books or other family members.

18. What are the conditions for applying for individual housing provident fund (portfolio) loan to change the loan term?

The borrower or his spouse is sentenced to punishment due to unemployment, death, divorce, loss of working ability and other reasons, or the borrower or his spouse suffers from special and serious diseases stipulated by the medical insurance department and other reasons, the borrower may apply for extending the loan period.

19. What materials should be provided to apply for changing the loan term of individual housing provident fund (portfolio) loan?

(1) If the borrower or his/her spouse is unemployed, he/she shall provide unemployment certificate or proof that the unit has dissolved the labor relationship;

(2) If the borrower, spouse or parents or children of the same household registration suffer from special major diseases, provide the diagnosis certificate of major diseases issued by the hospital designated by the medical insurance department;

(three) if the borrower or his spouse loses the ability to work, he shall provide the diagnosis certificate of the hospital at or above the county level and the labor appraisal certificate of Shangrao City; If one party dies, provide its death certificate; Sentenced to punishment, provide a written judgment issued by the judicial department; If the borrower is divorced, provide a divorce certificate;

(four) if the spouse or parents and children of the same household registration have the above circumstances, which leads to the decline of their economic ability, they should also provide marriage certificates, household registration books or other family relationship certificates.

20, apply for change of individual housing provident fund (portfolio) loan borrowers, collateral and

What are the procedures for the loan term?

(1) If the borrower, collateral and loan term of the individual housing provident fund (portfolio) loan are changed, the applicant shall submit a written application for change to the central office (business department) of the provident fund with the original and photocopy of the certification materials;

(2) The office (business department) examines the information, collateral and loan term provided by the borrower of the individual housing provident fund (portfolio) loan, interviews the applicant on relevant matters and forms interview records, and the applicant fills in the Approval Form for Change of Individual Housing Provident Fund (portfolio) Loan in Shanghai and Rao;

(three) the summer opinions signed by the loan officer and the person in charge of the office (business department);

(four) signed the "Shangrao individual housing provident fund loan change agreement".

Three, the provident fund to pay 600 thousand eight years to pay off, how much is it every month?

According to the current bank provident fund loan interest rate, the provident fund loan is 600,000 yuan, and the mortgage is 8 years. The total monthly repayment amount and repayment are as follows:

Matching principal and interest repayment method:

The total loan is 600,000 yuan.

Number of repayment months: 96 months

The monthly repayment is 7 174.83 yuan.

A total of 88,783.78 yuan of interest was paid.

The total principal and interest is 688,783.78 yuan.

Average capital repayment method:

The total loan is 600,000 yuan.

Number of repayment months: 96 months

Repay 8,000.00 yuan in the first month.

Decreasing monthly: 18.23 yuan

A total of 84,875.00 yuan of interest was paid.

The total principal and interest is 684,875.00 yuan.

4. What is the loan amount of Shangrao Provident Fund and how to calculate it?

Only after paying the provident fund for more than one year can you apply for a loan in the city where your work unit is located. The calculation formula of the loan amount is 30 times of the balance in the account. If you are single, the maximum is 654.38+0.8 million. If both husband and wife meet the requirements, the maximum loan amount is 300,000. The monthly interest rate of the loan is 3.3% (within 5 years) and 3.675% (over 5 years).

In your case, you can borrow up to 6.5438+0.08 million yuan, and the specific interest depends on the loan period.