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Provident fund loan ratio 1 How much is universal loan (Provident fund loan ratio)

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1. The down payment ratio of housing purchase with provident fund loan is 30%.

2. The down payment ratio of housing provident fund loan for house purchase refers to the proportion of the purchase fund paid by the buyer to the seller in the total house price. The down payment fund for house purchase must be prepared by the family, and the gap part can be applied for a loan to complete the full payment of the house purchase fund.

3. Generally, the housing price minus the down payment is equal to the loan amount. If the down payment ratio is higher, the threshold for housing loan will be higher. At present, the down payment ratio of provident fund loan in our city is 30% for existing housing and mortgaged commercial housing, and 40% for second-hand housing.

4. Housing provident fund loan purchase: down payment for housing provident fund loan purchase Note: provident fund cannot be directly used as down payment for housing purchase.

5. Citizens need to advance the down payment first, and then go to the housing provident fund management center to withdraw the deposit balance in their provident fund.

6. 2. The maximum loan amount of housing provident fund loan is calculated according to the balance of housing provident fund account: the calculation formula is: (balance of provident fund account+monthly deposit amount of provident fund × 2 × number of legal retirement months) × 2 3. The maximum loan amount of housing provident fund loan is calculated according to the maximum loan amount: if one person applies for housing provident fund loan, the maximum loan amount is 500000 yuan, If two or more people purchase the same house and apply for housing provident fund loan, the maximum loan amount is 800000 yuan.

7. 4. The total amount of housing provident fund shall not exceed the total amount of housing fund.

8. For example, when a citizen bought a house with a loan totaling 200000 yuan, and his balance of accumulation fund storage was 300000 yuan, he could only withdraw 200000 yuan of accumulation fund.

9. 5. After the housing provident fund loan is settled, the housing provident fund can be used to purchase houses.

10. Whether before or after marriage, one of the spouses has handled provident fund loans, which will be recorded in the system.

11. If the provident fund loan for the first house has been settled, and the husband and wife use the provident fund loan to buy a house, it is still regarded as the first house purchase.

Try hard 2023-08-13 14:21:13

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