How much is the down payment for the first housing provident fund loan?

How much is the down payment for the first housing provident fund loan? According to Bian Xiao, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission jointly issued the Notice on Standardizing the Individual Housing Loan Policy of Housing Provident Fund.

Use the housing provident fund loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.

If you bought a commercial house (residence) by mortgage before and then sold it, and now you are going to buy a new commercial house (residence), applying for a provident fund loan is still the first option. Different from commercial banks, banks' recognize housing and loans', and provident fund centers' recognize housing but not loans'. In other words, the provident fund center only recognizes the real estate under the applicant's current name, and does not calculate the historical records of his own real estate and mortgage loans.

The first set of provident fund loans should be down paid by a few percent:

1. The number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children).

2 families who have used housing provident fund loans to purchase houses apply for housing loans from commercial banks again, in accordance with the provisions of the preceding paragraph.

3. For families who have used bank loans to buy the first set of self-occupied housing, and their per capita housing area is lower than the local average level, if they apply for housing loans from commercial banks again, the first set of self-occupied housing loan policy can be applied mutatis mutandis, but the borrower should provide the results of the local real estate management department's inquiry on the total area of family housing according to the housing registration information system. The average level of local per capita housing is based on the data released by the statistics department last year. Others are implemented according to the second home loan.

4. Commercial banks should earnestly fulfill their obligation to inform and require borrowers to submit real proof materials such as real estate, income, household registration and tax payment according to the principle of good faith.

Bian Xiao warmly reminded that all commercial banks will not accept their credit applications if they find that they have filled in false information or provided false certificates. Commercial banks shall not accept false income certificates issued by verified units.