Changsha provident fund loan policy in different places

According to "Changsha Housing Provident Fund Management Regulations":

1. The maximum loan amount is 500,000 yuan, which is limited to Changsha and three counties/cities of Changsha, Liuyang and Ningxiang.

2. The loan amount for employees under the jurisdiction of the Railway Center to purchase houses in Changsha is 500,000 yuan, and the purchase of houses in other cities shall be implemented with reference to local loan standards.

3. In principle, the loan amount for the first home is not higher than 70% of the total house price, but the first purchase of ordinary self-occupied housing loans below 90 square meters can be 80%.

4. The down payment ratio of the second suite is not less than 50%, the loan amount is not higher than 50% of the total house price, and the interest rate rises 1. 1 times.

Changsha provident fund loan conditions

1. You can apply for provident fund loans with a maximum amount of 600,000 if you have paid the provident fund 12 months continuously and normally.

2. It can be used to buy goods from housing and business to public. , to buy commercial housing, commercial and residential dual-use housing and investment speculative housing loans.

3. If the credit information is overdue for more than 6 consecutive periods and accumulated for more than 24 periods (except for student loans), or there are other serious acts of dishonesty, individual housing loans will not be issued.

4. Suspension of housing provident fund loans in different places.

Note: The purchase of owner-occupied housing in Liuyang City and Ningxiang City is also implemented in accordance with Changsha's provident fund policy.

When employees purchase fully renovated houses and apply for housing provident fund loans, if the rough house price and decoration price are agreed in the commercial housing sales contract, the decoration price will not be included in the total house price to calculate the loanable amount.

Calculation of loan amount

Provident fund loans, with a minimum of 1 year and a maximum of 30 years.

The maximum age of men is 60 years old, and that of women is 55 years old (cadres at or above the county level are 60 years old).

The borrower's family loan amount is calculated according to the personal loan interest rate, account balance, house purchase and family income. , take the lowest value of the calculation result and the highest value is 600,000.

The formula is as follows. In the past, the two formulas took the lowest value, but now we directly use the second formula for publicity, just looking at the loan interest rate.

Loan amount = (monthly deposit amount × 12× personal account balance in future deposit years) ×2

Loan amount = personal loan interest rate × account balance.

In 2020, Changsha's latest personal loan ratio is 13 times (20 19 is 12 times), which is slightly lower than the full loan amount.

Note: The monthly repayment principal and interest of individual provident fund shall not exceed 50% of the family's monthly wage income.

Can Changsha buy a house with a loan from a different provident fund?

Legal analysis: you can use the off-site provident fund to buy a house in Changsha, provided that the personal provident fund account has been deposited for 6 months or more. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued the "Notice on Developing Personal Housing Loan Business of Housing Provident Fund", requiring all localities to relax the conditions of provident fund loans, and clearly stated for the first time that the provident fund will realize mutual recognition in different places. Changsha has established off-site loan cooperation with Beijing, Shanghai, Guangzhou, Shenzhen, Wuhan, Nanchang, Hefei, Guiyang and other provinces 10 cities as well as Yichun and Xinyu in Jiangxi. If you want to buy a house in Changsha with your own foreign provident fund, you can consult the loan bank first to confirm whether the provident fund in your province has been linked to Changsha. In addition, it is necessary to meet the conditions of Changsha's off-site provident fund loan: in addition to providing some basic personal information, the loan applicant can also submit the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loans, the Basic Information Form of Personal Housing Provident Fund, the Deposit Process of Personal Housing Provident Fund and the proof of property inquiry of husband and wife at the deposit place.

Legal basis: Article 4 of the Law of People's Republic of China (PRC) Commercial Bank takes safety, liquidity and efficiency as the operating principles, and implements self-management, self-risk, self-financing and self-discipline management. Commercial banks conduct business according to law and are not subject to interference by any unit or individual. Commercial banks independently bear civil liability with all their corporate property.

Can the housing provident fund paid by Changsha use the provident fund loan to buy a house in Chenzhou?

The housing accumulation fund paid by Changsha cannot be used for housing loans in Chenzhou. 2018 101October 30th, Changsha Housing Provident Fund Management Committee issued the document 20061October 30th. 20 185 changjin management Committee adjusts the current housing provident fund loan policy of our city. After the adjustment, the housing provident fund loan for buying houses in different places will be suspended.

Loans in different places are risky because of asymmetric information. Due to the territorial management of housing provident fund, the information of housing provident fund in different places is not interconnected, and the implementation of the loan policy in different places requires the cooperative cities of both sides to sign a mutual recognition cooperation agreement. It is relatively difficult to verify the applicant's relevant information, and there are many loans overdue phenomena in the implementation process, which is also difficult to handle.

Extended data:

"Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.

Article 29 The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used for establishing the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.