personal housing loan policy-凯发

instructions
personal housing loan policy
2021-05-25

i. identification of the number of loan sets:

1. if one of the following conditions is met, it is recognized as the first housing:

(1) the applicant and spouse in this city have no historical provident fund loan records in the name of the city, including the situation that they have not used the provident fund loan as the borrower or spouse as the co borrower, and the result of the registration information query is that there is no housing when inquiring the result from the housing department of this city,or the number of housing units under the family name after excluding is 0 according to the relevant policies on the number of housing units under the provident fund loan;

(2) the applicant of this city purchases the city's shared property security housing;

(3) there is no provident fund loan record under the family name of the applicant from another place in the country, and the result of the registration information query is that there is no housing when inquiring the result from the housing department of this city;

2. if one of the following conditions is met, it should be recognized as the second set of improved housing:

(1) the applicant's family in this city does not have a house in the name of this city, but there is a historical loan record of the provident fund that has been settled;

(2) the applicant's family in this city has no historical provident fund loan record or 1 historical provident fund loan record that has been settled. if there is only one house under the name of the city or recognized as only one house according to the relevant requirements for the identification of housing units with provident fund loan, and the per capita housing construction area of the applicant's family is not higher than the per capita housing area of the city in the previous year announced by the statistics department;

(3) the family of employees with loans from other places (including the borrower, spouse, and minor children) has no housing in this city, has a record of provident fund loans nationwide.or the family has a house in this city, and purchase a second house that met the conforms to the conditions of improved housing.

3. stop issuing provident fund loans if the following circumstances are met:

(1) applicant's family who has 2 historical provident fund loan records;

(2) applicant's family purchasing a second set of non-improved housing.

4. relevant requirements for determining the number of housing units in a housing provident fund loan for house purchase due to marriage:

(1) if the applicant is married and shares a house with parents before marriage registration, the applicant and the spouse can each have 1 set of shared houses, which is not counted as the house under the name;

(2) if the applicant is unmarried and shares a house with parents, the applicant can have 1 set of shared houses, which is not counted as the house under the name;

(3)if married applicant or married applicant’s spouse share house with parents, the time for property rights registration should be earlier than the time for marriage registration of the applicant.

5. the scope of the applicant's family is limited to the applicant, spouse and minor children.

ii. identification of ordinary housing:

according to the shanghai ordinary housing standards in 2019: ordinary housing is a single set of buildings with a construction area of less than 140 square meters, and the actual price of a house transaction within the inner ring line is less than 4.5 million yuan/ set, or the actual price of a house transaction between the inner ring line and the outer ring line is less than 3.1 million yuan/set, or the actual price of housing transactions outside the outer ring line is less than 2.3 million yuan/set.

iii. down payment ratio:

1. for the purchase of the first house, if the construction area of the house is less than 90 square meters (inclusive), the down payment ratio of the housing provident fund loan is not less than 20%; if the construction area is more than 90 square meters, the down payment ratio of the housing provident fund loan is not less than 30%;

2. for the purchase of the second improved housing, if it is an ordinary housing, the down payment ratio of the housing provident fund loan is not less than 50%; if it is a non-ordinary housing, the down payment ratio of the housing provident fund loan is not less than 70%;

3. those applying for a portfolio loan shall also meet the down payment ratio requirements for commercial loans in the portfolio loan.

iv. loan amount:

the maximum loan amount is the minimum of the following items:

1. the loan limit shall not be higher than the multiple of the sum of the deposit balance of the housing provident fund account of the applicant and the co-borrowing applicant and the multiple of the sum of the deposit balance of the supplementary housing provident fund account (30 times the housing provident fund balance, 10 times the supplementary housing provident fund balance) ;

2. not higher than the total house price remaining after deducting the prescribed proportion of down payment funds;

3. not higher than the loan limit determined according to the applicant and the co-borrowing applicant's joint repayment ability;

4. it shall not be higher than the maximum loan limit for families or individuals in this city;

5. other factors affecting loan amount;

v.  time limit of loan:

1. the maximum loan period is the minimum of the following items;

2. the maximum term of the provident fund loan shall not exceed 5 years after the applicant's legal retirement age (legal retirement age: 60 years old for men, 55 years old for women);

3. for the purchase of off-plan commercial housing or existing housing, the longest term of the provident fund loan shall not exceed 30 years;

4. those who purchase second-hand houses:

(1) the age of the house is less than 5 years (inclusive), and the maximum term of the provident fund loan does not exceed 30 years;

(2) the age of the house is 6 to 19 years, and the maximum period of the provident fund loan shall not exceed the difference between 35 years and the age of the house;

(3) the age of the house is more than 20 years (inclusive), and the maximum term of the provident fund loan shall not exceed 15 years.

5. minimum loan period: the family's maximum loan amount/annual repayment ability.

ⅵ. loan interest rate:

1. for the purchase of the first house, the loan interest rate is the housing provident fund loan benchmark interest rate;

2. for the purchase of a second set of improved housing, the loan interest rate will rise to 1.1 times the benchmark housing provident fund loan interest rate.

ⅶ. repayment method:

1. monthly equal principal and interest repayment method: the borrower's monthly loan principal and total interest remain unchanged, but the loan principal in the monthly repayment amount increases month by month, and the loan interest decreases month by month.

2.monthly equal principal repayment method: the monthly principal repayment of the borrower is fixed and unchanged, and the loan interest is decreasing month by month.

personal housing provident fund loan limit, down payment and interest rate policy table

type of housing purchased

purchase of first home

purchase the second improved housing

borrowing household

one-person loan

more than two people participate in the loan

one-person loan

more than two people participate in the loan

maximum loan amount of housing provident fund

¥500,000

¥1,000,000

¥400,000

¥800,000

maximum loan amount of supplementary housing provident fund

¥100,000

¥200,000

¥100,000

¥200,000

total

¥600,000

¥1,200,000

¥500,000

¥1,000,000

the proportion of down payment

1.if the housing construction area is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20% of the total housing price;

2.if the housing construction area is more than 90 square meters, the down payment ratio of the loan shall not be less than 30% of the total housing price.

1.when purchasing ordinary housing, the down payment ratio of loan shall not be less than 50% of the total housing price;

2.purchase of non ordinary housing, the loan down payment ratio shall not be less than 70% of the total housing price.

lending interest rates

no longer than 5 years(including 5 years):2.75%,

longer than 5 years:3.25%.

benchmark interest rate rises by 10%

 

individual purchase of shared property rights guarantee housing provident fund loan limit, down payment and interest rate policy table

type of housing purchased

the jointly owned property right guarantee housing in shanghai

borrowing household

one-person loan

more than two people participate in the loan

maximum loan amount of housing provident fund

¥500,000

¥1,000,000

maximum loan amount of supplementary housing provident fund

¥100,000

¥200,000

total

¥600,000

¥1,200,000

the proportion of down payment

down payment shouldn’t be lower than 20% of the total housing price

lending interest rates

no longer than 5 years(including 5 years):2.75%,

longer than 5 years:3.25%.

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