The first set of provident fund loans

What are the conditions for the Shanghai provident fund loan to belong to the first suite?

What are the conditions for the Shanghai provident fund loan to belong to the first suite?

1. If there is no record of housing and provident fund loans in this city under the name of the employee's family, it is recognized as the first set of housing.

2, in line with the housing provident fund * * * property housing loan conditions, identified as the first set of housing loans.

3. If there is no record of provident fund loans in the country and houses under the names of employees' families are deposited in no other provinces and cities in this city, it is deemed as the purchase of the first set of houses.

4. Relevant requirements for applying for housing provident fund loans to determine the number of housing units due to marriage:

If the borrower or his spouse owns no more than 65,438+0 property houses with their respective parents before marriage (that is, the borrower or his spouse owns 65,438+0 property houses with their parents before marriage, or the borrower and his spouse owns 65,438+0 property houses with their parents before marriage), it can be considered that the inquired house does not belong to the house of the borrower's family members. If the borrower has not yet established a marriage relationship, and the shared property house with his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the name of the borrower's family members.

The loan accepting institution shall, before determining the number of copies, inquire and confirm the housing registration information under the name of the borrower's family members who apply for housing provident fund loans through the Housing Situation Information Center of this Municipality. For the property housing owned by the borrower or the borrower's spouse and their parents, the time of property registration should be earlier than the time of marriage registration of the borrower.

How to distinguish the first and second provident funds?

How to distinguish the first and second provident funds?

Provident fund is to recognize housing but not loans. If you have a house under your name, you can use the provident fund loan to buy two sets.

How to distinguish the first and second suites of provident fund?

A: I have never used provident fund loans. As long as I am qualified to buy a house, this 60-square-meter house provident fund loan will be handled according to the first suite policy. A: His situation involves the identification of the second suite of provident fund. According to his situation, if the area of the first house applying for provident fund loan does not exceed 140 square meters and has been settled, he can apply for a second provident fund loan, which is subject to the second-home provident fund loan policy, that is, the down payment is 60% and the interest rate rises 1. 1 times.

How to identify the first or second suite of provident fund?

If you bought a house before and sold it, now it belongs to the first set. You already have one set, and now you are going to buy a second set.

Identification of the first suite of Jingzhou housing provident fund

. Yesterday, Jingzhou Housing Provident Fund Management Center was introduced in combination with local conditions, further increasing the support of our housing provident fund for workers to solve and improve their own housing.

Provident funds can be used to pay the rent of public rental housing and low-rent housing.

In the past, many paid employees reported that provident fund withdrawal can only be used when buying a house and retiring. In the future, the housing accumulation fund can not only be used to buy a house, but also help low-income groups to rent houses and pay property fees, thus reducing the living burden of employees.

This time, it is clear that employees who have no own housing and rent low-rent housing or public rental housing can withdraw housing provident fund to pay rent on a monthly basis. The payment method is extracted from the employee provident fund account by the employee entrustment center on a monthly basis and transferred to the rental income account of low-rent housing and public rental housing.

Expanding the scope of housing provident fund withdrawal will help expand the beneficiaries of paid employees. It is also clear that employees with family difficulties who enjoy the minimum living guarantee can withdraw housing provident fund to pay property management fees by providing and paying invoices for property management fees.

Immediate family members can buy houses from each other.

The maximum amount of provident fund is 400,000.

In order to give full play to the mutual assistance of provident fund between generations of families, it is clear that Jingzhou will implement the policy of mutual borrowing and lending by immediate family members. When buying a house, in addition to the spouse, you can use the housing provident fund loans of immediate family members. As immediate family members of the same borrower, they can withdraw the balance of personal account provident fund from each other to repay the borrower's loan.

For individual employees who pay housing provident fund, the maximum loan amount is 300,000 yuan in principle; If one of the immediate family members of employees who normally pay the provident fund is willing to be the same repayment person, the maximum loan amount can also be 400,000 yuan. For families where both husband and wife of employees have paid housing provident fund normally, the maximum amount of housing loans remains at 400,000 yuan.

First suite identification standard relaxed

According to the current policy, local employees can apply for personal housing provident fund loans if they have paid for more than 6 months continuously. The first suite was determined to be tight in the past and the New Deal was moderately relaxed. It is clear that if employees apply for housing provident fund loans for the first time, the first home loan policy will be implemented. If employees apply for housing provident fund housing loans again and have no housing under their names, the first home loan policy will be implemented; If there is a house under the name, the second home loan policy will be implemented; If there are two or more houses under its name and houses are purchased, loans are prohibited.

Provident fund deposit realizes mutual recognition in different places

If it is clear that employees pay housing provident fund in their original places of employment and transfer the amount of housing provident fund deposit back to the local housing provident fund management center, they can apply for a house purchase loan from the local center, and the local center should recognize the continuity of their provident fund deposit. This also means that Jingzhou has realized mutual recognition of provident fund deposits in different places. Previously, Jingzhou Housing Provident Fund has launched mortgage loans for buying houses in different places. That is, employees who pay housing provident fund in Jingzhou buy houses in different places, and if the collateral is implemented, they can apply for housing provident fund loans in Jingzhou.

The threshold for self-employed and migrant workers to apply for provident fund loans has been lowered.

Cancel the requirement of duplicate guarantee for specific objects. Migrant workers and individual industrial and commercial households who have paid housing provident fund to apply for housing loans shall cancel providing a natural person who has paid housing provident fund as a guarantee in addition to handling real estate mortgage according to regulations. Flexible employees apply for loans, lower the threshold and relax access.

The time limit for loan approval was shortened to 5 working days.

The time limit for loan approval is shortened from 15 working days stipulated by the State Council to 5 working days after mortgage registration. At present, Jingzhou Housing Provident Fund Center is actively discussing information sharing schemes with real estate registration agencies.

Housing provident fund is taken from the people and used by the people. Based on the principle of serving depositors, Jingzhou Housing Provident Fund Center actively promotes the rapid landing of the new provident fund policy in Jingzhou. At present, it has signed a 129 mortgage cooperation agreement with urban real estate enterprises to meet the needs of employees in buying houses and renting houses to the maximum extent.

How to identify the first or second set of provident fund loans when buying a house in Shanghai?

China Merchants Bank in Shanghai has the criteria for defining provident fund loans, the first suite and the second suite. China Merchants Bank strictly implements the national loan policy. As the situation of each branch is slightly different, please contact the local branch directly for consultation and confirmation.

Please dial 95555 to choose 3 personal customer service -3-3-8, enter the city where manual service is provided, and inquire about the telephone number of the loan manager.

How much did the first set of commercial loans not pay off the second set of provident fund down payment?

The first set of commercial loans has not been paid off, and the down payment ratio of the second set of provident fund loans is calculated at 50%, that is to say, according to the second set. The interest rate is calculated according to the provident fund.

Hello, the first set of commercial loans has not been paid off, and the down payment for the second set of provident fund needs to pay 40% of the total price.

According to the central bank's credit management regulations, that is, the definition of the second suite:

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

2. 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.

3. The provisions of the preceding paragraph shall apply to families who have used housing provident fund loans to purchase houses and applied for housing loans from commercial banks again.

Hope to adopt!

How to withdraw the provident fund from the first set of commercial loans and the second set of provident fund

Housing provident fund collection meets the following conditions:

In the purchase, construction, renovation and overhaul of owner-occupied housing with ownership;

When retiring or reaching retirement age;

Completely lose the ability to work and terminate the labor relationship with the unit;

When the account moves out of the city or settles abroad;

Non-local employees are transferred from this city;

When employees repay the principal and interest of housing loans, they can withdraw the balance of housing provident fund to offset;

If an employee dies or is declared dead, the employee's heir or legatee may withdraw the storage balance in the employee's housing provident fund account, and the employee's housing provident fund account shall be cancelled at the same time.

Housing accumulation fund extraction process:

Application for individual withdrawal of housing provident fund (approval);

Original and photocopy of my ID card (original and photocopy of marriage certificate must be provided for husband and wife to extract);

For which type of provident fund is withdrawn, the required certification materials shall be provided according to the corresponding conditions.

How to identify the second suite of Shenyang housing provident fund

According to the policy, if you have used the loan to buy a house, no matter what kind of loan you use, no matter whether the house has been sold or not, if you buy a house again, you will use the provident fund loan according to the second suite.

Criteria for determining the first suite of provident fund loans

1, the loan has bought a suite, the commercial loan has been settled, and then the loan is used to buy the first house. I bought a suite with a loan and later sold it. You can't find the property through the housing registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house. This is the first set. 3. I bought a suite in full and bought a house with a loan, which is the first set. 4. I bought a suite in full and sold it later. The housing registration system couldn't find the property, and then I took out a loan to buy a house, which was the first set. 5. There are two commercial loan records in the name of the individual, all of which have been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when refinancing, the first set will count. 6. A commercial loan in the name of an individual has been paid off, and another provident fund loan has been sold. At the same time, you can provide proof of house sale and apply for a commercial loan to buy a house, the first set. 7. Husband and wife, one party buys a house with a commercial loan before marriage, and the other party buys a house with a provident fund loan before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off, banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status. 8. Husband and wife, one party has a house before marriage but no loan record, and the other party has a loan record before marriage but no real estate under his name. It is the first set to buy a house and apply for a loan after marriage.

How to identify the first suite of provident fund loans?

How to identify the first suite of provident fund loans?

How is the first suite of provident fund loans determined? After the loan is successful, it can be repaid on time every month. You can use the money in the provident fund account or transfer money from the bank card to repay the loan. How is the first suite of provident fund loans determined?

How to Identify Provident Fund Loan 1 First Suite

According to the identification standard of the first suite, there are roughly the following points:

(1) If two couples, one of them has a house before marriage but has no loan record, and the other has a loan record before marriage but no real estate under his name, it is the first suite for them to buy a house and apply for a loan after marriage.

(2) If you bought a suite with a loan and later sold it, you can't find the property through the housing registration inquiry system, but you can find the previous loan records in the bank credit information system, and it is also the first suite to buy a house with a second loan.

(3) If you have already bought a suite with a loan, but the commercial loan under your name has also been settled, buying a house with a second loan is also the first suite.

(4) If two suites in the name of an individual are obtained by commercial loans, and the mortgage has been fully paid off, and both suites have been sold, and two sets of house sales certificates can be provided, it is deemed that the buyer is the first suite and has a second loan.

(5) If a suite under the name of an individual has paid off the commercial loan, but another set of provident fund loans has also been sold, and proof of housing sale can be provided, in this case, buying a house with a second loan is also considered as the first suite.

(6) I bought a suite in full and later sold it for various reasons. I can't find the property through the housing registration inquiry system, and then I can borrow money to buy a house.

(7) If you buy a suite in full and apply for a loan again, this is also the first suite.

Identification and loan policy of second suite

1. There is already a house under the family name, with an area greater than 100 square meter or a per capita area greater than 32 square meters. No matter whether you have applied for provident fund loans or not, you can't apply.

2. There is already a house under the family name, with an area less than 100 square meter or less than 32 square meters per capita. For the first or second application for provident fund loan, the down payment is 30%, and the interest rate rises 10%. That is to say, even if a single person or a husband and wife have no children and the house is less than 100 square meters, as long as the family house is less than 100 square meters, no matter how many people can use the provident fund loan.

So under what circumstances can't I apply for a provident fund loan?

(1) used the provident fund twice, and the loan was limited.

(two) used a provident fund, not settled, limited loans.

(3) There are already two suites in the name, regardless of the combined area, and then buy a third or more houses, regardless of whether the loan has been made.

How to identify the first suite of provident fund loans II

Provident fund loan refers to applying for a loan with a personal provident fund account, and the relevant conditions need to be met. After the loan is successful, it will be repaid on time every month. As for whether the money used for repayment is in the provident fund account, there is no hard and fast rule. You can use the money in your own provident fund account to repay, or you can transfer money from your own bank card to repay.

How is the provident fund loan repaid?

The borrower needs to deposit the money into the opened current passbook (credit card) according to the principal and interest amount on the repayment schedule before the 20th of each month, and the agent bank will deduct the money on the evening of the 20th. If the deposit is not made in time or the balance of the deposit is insufficient, the penalty interest rate will be calculated from 2 1 and a late fee will be charged.

How to repay the housing provident fund loan?

1. Withdraw the balance of the housing provident fund account and repay the loan at one time. Many people repay their loans in this way after retirement. After repayment, if there are still outstanding loans, the remaining loan principal and repayment period will be recalculated to determine the future monthly repayment amount.

2. Withdraw the balance of the provident fund account and repay the loan in advance. After repaying the loan in advance, the lender may stop lending for several months. (The time to stop repayment depends on the amount of repayment in advance, but it cannot exceed 12 months. After the repayment period ends, the lender shall continue to repay the loan on a monthly basis. The interest owed during the suspension period is not subject to penalty interest or compound interest, and will be deducted from the monthly repayment after the suspension period. Some property buyers have changed their income at a certain stage (such as illness, childbirth, unemployment, etc.). ), and they often use this way to repay the loan.

3. Withdraw the provident fund directly from the provident fund account to repay the loan every month. When the amount of housing provident fund withdrawn is insufficient, the lender shall make up the repayment amount in time.

How to identify the first suite of provident fund loans 3

The loan amount of the provident fund is comprehensively calculated according to the monthly deposit amount of the provident fund and the account balance. The maximum loan amount shall not exceed 10 times of the deposit balance in the housing provident fund account, and shall not exceed the maximum loan amount corresponding to the monthly deposit amount.

The maximum amount of the first housing provident fund loan is:

1. If the total monthly contributions of husband and wife are below 1600 yuan (inclusive), the maximum amount of housing provident fund loan is 300,000 yuan, and if the monthly contributions of one party are below 800 yuan (inclusive), the maximum amount of housing provident fund loan is 200,000 yuan;

2. If the total monthly contributions of husband and wife exceed 1.600 yuan and are less than 2,800 yuan (inclusive), the maximum loan amount of housing provident fund is 400,000 yuan; If the monthly deposit of one party exceeds 1400 yuan (inclusive), the maximum loan amount of housing provident fund is 250,000 yuan;

3. If the total monthly deposit of husband and wife exceeds 2,800 yuan, the maximum amount of housing provident fund loan is 500,000 yuan, and if the monthly deposit of one party exceeds 1400 yuan, the maximum amount of housing provident fund loan is 300,000 yuan.

The maximum amount of two housing provident fund loans is:

1. If the total monthly contributions of husband and wife are below 1600 yuan (inclusive), the maximum amount of housing provident fund loan is 200,000 yuan; If the monthly deposit of one party is below 800 yuan (inclusive), the maximum amount of housing provident fund loan is150,000 yuan;

2. If the total monthly contributions of husband and wife exceed 1.600 yuan and are less than 2,800 yuan (inclusive), the maximum loan amount of housing provident fund is 300,000 yuan; If the monthly deposit of one party exceeds 1400 yuan (inclusive), the maximum loan amount of housing provident fund is 200,000 yuan;

3. If the total monthly deposit amount of husband and wife exceeds 2,800 yuan, the maximum amount of housing provident fund loan is 400,000 yuan; if the monthly deposit amount of one party exceeds 1400 yuan, the maximum amount of housing provident fund loan is 250,000 yuan.

The specific loan amount depends on the situation of the house purchased and the repayment ability of the applicant.

How to identify the first and second suites of provident fund loans?

howdy

According to the second suite.

Because it's policy.

First, there is no housing other than the housing purchased by applying for housing provident fund loans, which is recognized as the first suite.

Two, apply for housing provident fund loans to buy housing only other housing, according to the second suite calculation.

Three, the loan applicant belongs to more than two generations of immediate family members, each generation has a set of housing, now * * * with housing provident fund loans to buy a second suite as a second suite.

That's my answer. You can consult the provident fund office for details.

How to identify the first set of provident fund housing loans? Take you into the certification standard.

I believe many people will have such doubts. How to identify the first set of provident fund loans? Is there any standard for such appraisal? Although the identification standards vary from place to place, they are basically the same. First, enter the first set of identification standards for provident fund housing loans.

According to the identification standard of the first suite, there are roughly the following points:

(1) If two couples, one of them has a house before marriage but has no loan record, and the other has a loan record before marriage but no real estate under his name, it is the first suite for them to buy a house and apply for a loan after marriage.

(2) If you bought a suite with a loan and later sold it, you can't find the property through the housing registration inquiry system, but you can find the previous loan records in the bank credit information system, and it is also the first suite to buy a house with a second loan.

(3) If you have already bought a suite with a loan, but the commercial loan under your name has also been settled, it is also the first suite to buy a house with a second loan.

(4) If two suites in the name of an individual are obtained by commercial loans, and the mortgage has been fully paid off, and both suites have been sold, and two sets of house sales certificates can be provided, it is deemed that the buyer is the first suite and has a second loan.

(5) If a suite under the name of an individual has paid off the commercial loan, but another set of provident fund loans has also been sold, and proof of housing sale can be provided, in this case, buying a house with a second loan is also considered as the first suite.

(6) I bought a suite in full and later sold it for various reasons. I can't find the property through the housing registration inquiry system, and then I can borrow money to buy a house.

(7) If you buy a suite in full and apply for a loan again, this is also the first suite.

Identification and loan policy of second suite

1. There is already a house under the family name, with an area greater than 100 square meter or a per capita area greater than 32 square meters. No matter whether you have applied for provident fund loans or not, you can't apply.

2. There is already a house under the family name, with an area less than 100 square meter or less than 32 square meters per capita. For the first or second application for provident fund loan, the down payment is 30%, and the interest rate rises 10%. That is to say, even if a single person or a husband and wife have no children and the house is less than 100 square meters, as long as the family house is less than 100 square meters, no matter how many people can use the provident fund loan.

So under what circumstances can't I apply for a provident fund loan?

(1) used the provident fund twice, and the loan was limited.

(two) used a provident fund, not settled, limited loans.

(3) There are already two suites in the name, regardless of the combined area, and then buy a third or more houses, regardless of whether the loan has been made.

The above are roughly the criteria for determining the first set of provident fund housing loans, as well as some cases where provident fund loans cannot be applied. Of course, there are some differences in different places, which will be analyzed according to different local policies. You got it?

So much for the introduction of the first set of provident fund loans.