The People's Bank of China and the China Banking Regulatory Commission require the provincial market interest rate pricing self-discipline mechanism to independently determine the minimum down payment ratio of commercial personal housing loans within its jurisdiction in light of the actual situation of various cities. Therefore, please consult the local outlets for the specific down payment ratio and loan interest rate.
The above contents are for your reference. Please refer to the actual business regulations.
20 16 what is the difference between the provident fund loan policies for the first and second suites in Shanghai?
If you handle personal housing provident fund loan business in China Bank.
1. The following policies will be implemented from 201165438+129 October (Note: the online signing time of the borrower's house purchase contract is 20165438+/28 October (inclusive).
Identification of the first home: there is no home in this city under the name of the borrower's family, and the borrower's family has no record of provident fund loans in this city, including the case that the provident fund loans are not used by the borrower or spouse as the same borrower. Including the following situations:
(1) If a married borrower owns real estate with his parents before marriage, the borrower and his spouse can each own 1 set of * * * houses not included in his name;
(2) If an unmarried borrower shares a house with his parents, the borrower may own 1 house not included in his name;
(3) The borrower's family applies for a housing provident fund loan with property rights protection, and it is still recognized as the first home.
The second set of provident fund improved housing is divided into two situations:
(1) The borrower's family has no house in the name of this city and has a record of 1 settled provident fund loan;
(2) The borrower's family has only 1 apartment in the name of this city, and the per capita housing construction area (calculated only for the borrower's family) is not higher than 35.5 square meters, and there is no record of provident fund loan or the record of settled provident fund loan 1.
Note: The number of major renovation loans applied for in combination with provident fund housing loans is not included in the number of employees' family provident fund deposits.
In accordance with the following circumstances, stop issuing provident fund loans:
(1) Borrower's family with 2 provident fund loans;
(2) the borrower who buys the second set of non-improved housing.
(3)* * * co-borrower is the immediate family member of the borrower and has two provident fund loans under his name, which is not regarded as * * * co-borrower.
2. The following policies will be implemented from August 4th, 20 15 to June 28th, 2016 (inclusive):
(1) Identification of the first suite: For families who have no record of commercial or provident fund loans or have settled commercial or provident fund loans, purchase the first self-occupied housing and implement the provident fund first home loan policy.
Note: According to the basis for determining the number of apartments, the borrower or his spouse shared 1 apartment with his parents before marriage, or the borrower and his spouse shared 1 apartment with his parents before marriage, it can be determined that the inquired house does not belong to the name of the borrower's family members. In other words, it is not necessary for the borrower to own a house before marriage with his parents, nor for the spouse to own a house before marriage with his parents. In extreme cases, a family can exclude two houses, some of which are determined according to the date of marriage certificate later than the date of real estate license. 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 following is the same as the number of sets)
(2) Identification of two sets of improved provident funds: For families who own a house and have settled commercial loans and provident fund loans, and the per capita living area meets the requirements below 35. 1 square meter, if they apply for provident fund loans to buy ordinary houses again to improve their living conditions, they can refer to the first provident fund loan.
note:
(1) In principle, the per capita living area is determined by taking the nuclear family of the existing property owner as the unit, that is, the property owner, the spouse of the property owner and their minor children. If there are a large number of actual residents, they can provide the "Resident Certificate" issued by the street/neighborhood committee where the property owner or the borrower is registered before they can move in.
(2) Ordinary housing standards shall be subject to the ordinary housing standards stipulated by the Shanghai Municipal Government:
Multi-storey houses with more than five floors and old apartments with less than five floors, new alleyways and old alleyways, etc. ;
The single building area is below140m2;
The actual transaction price is lower than 1.44 times of the average transaction price of land and houses of the same level, less than 4.5 million yuan/set within the inner ring road, less than 365,438+10,000 yuan/set between the inner ring road and the outer ring road, and less than 2.3 million yuan/set outside the outer ring road (the same below for ordinary housing identification standards).
(3) Access to provident fund second-home loan: For those who own a house and the per capita living area meets the requirements of less than 35. 1 m2, and the property purchased this time is not ordinary housing, it shall be implemented according to the provident fund second-home loan policy.
(4) Families who buy the third and above houses cannot accept provident fund loans.
(5) Regarding the determination of the number of housing units and the down payment ratio of loans in the application for family home purchase portfolio loans, the relevant regulations currently implemented by the bank shall prevail.
Three, please consult the provident fund loan business outlets or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
20 16 latest Shanghai housing provident fund personal loan policy
165438+1October 28th, in order to further promote the stable, healthy and orderly development of the city's real estate market, the Shanghai Housing Provident Fund Management Committee issued the Notice on Adjusting the Personal Loan Policy of the City's Housing Provident Fund. Specifically, it includes the following contents:
First, strictly implement the differential credit policy of provident fund to promote the stable and healthy development of the real estate market. That is, on the premise of distinguishing the first and second sets of housing, the down payment ratio of the second set of improved housing will be increased to 50% of ordinary commercial housing and 70% of non-ordinary commercial housing, the loan interest rate of the second set of ordinary commercial housing will rise by 10%, and the maximum personal loan limit of the second set of ordinary commercial housing will be lowered by 654.38+10,000 yuan, and loans will be stopped for workers' families who have already had two provident fund loans;
The second is to reflect the fairness, sustainability and risk controllability of the provident fund system. The multiple of the loan amount determined by the borrower with the balance of the provident fund deposit account is reduced from 40 times to 30 times; Strict implementation of the Ministry of Housing and Urban-Rural Development will reduce the monthly repayment amount to no more than 40% of the salary base, the second set of standards for the identification of improved housing.
The adjustment of the differentiated provident fund loan policy will not affect the first family of self-occupied workers stipulated in this notice. For employees who have no housing in this city and have no record of provident fund loans, the down payment ratio is still implemented according to the policy of not less than 20% for housing below 90 square meters and not less than 30% for housing above 90 square meters. The loan interest rate will not rise, and the maximum loan limit will not be lowered. This will continue to reflect the original intention of the provident fund system to ensure the self-occupied housing of low-income groups and the entry of innovative and entrepreneurial talents. Therefore, this adjustment not only reflects the differentiated credit policy of the housing provident fund, but also reflects the fairness and justice of the housing provident fund system. It also emphasizes the prevention and control of credit risks and the long-term stability of the policy, which will be conducive to the healthy and orderly development of the real estate market in this city.
First, strengthen the housing provident fund differential credit policy review
(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; No housing, provident fund loan records or an existing housing, and the purchase of a second set of improved housing meets the conditions for identification, all of which are considered as applying for a second set of improved housing loans.
(two) to stop issuing loans to loan applicants who meet the following conditions:
1. Workers' families who have paid provident fund loans twice.
2, the purchase of a second set of non improved housing paid workers' families.
Two. Adjust the second set of improved housing loan policy
If it is recognized as the first set of housing, the differentiated credit policy of provident fund will remain unchanged.
If it is recognized as the second set of improved housing, the interest rate of the provident fund loan will be adjusted to 1. 1 times the interest rate of the first set of housing loans in the same period; The maximum amount of family loans is adjusted to 800,000 yuan (the maximum amount of personal loans is adjusted to 400,000 yuan), and the supplementary provident fund is adjusted to 6,543,800 yuan (the individual is adjusted to 500,000 yuan); The down payment ratio of provident fund loans, ordinary housing shall not be less than 50%; Non-ordinary housing shall not be less than 70%.
3. Adjust and calculate the repayment ability ratio and storage balance multiple of provident fund loans. The proportion of the monthly repayment amount of the city's provident fund loans to the monthly salary base is adjusted to not exceed 40%; The storage balance multiple for calculating the loan amount of provident fund is adjusted to 30 times, and the storage balance multiple for supplementary provident fund is adjusted to 10 times.
Four. Strict down payment funds authenticity audit and credit review. The municipal provident fund center shall require the trustee to continue to strictly examine the authenticity of the down payment funds, and further strengthen the examination of the borrower's family credit status and repayment ability. For borrowers with bad credit records, loans should be strictly examined and approved. The borrower who has not paid off the provident fund loan shall not handle any other provident fund withdrawal business except repayment.
Questions and Answers on Policy Adjustment of Personal Loan for Housing Provident Fund in this Municipality
1. What is the background and significance of this adjustment of provident fund loan policy?
A: In order to promote the stable, orderly and healthy development of the real estate market in our city and further strengthen the risk management of provident fund loans, we will adhere to the differentiated credit policy in strict accordance with the relevant regulations of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China, support employees' families to buy the first home and use provident fund loans for the first time, and strengthen credit risk management and control, so as to reflect the fairness and justice of the system, realize the long-term and stability of the policy and ensure the safety and sustainability of funds.
The content of this adjustment is in line with the current direction of the steady development of the overall real estate market and the prevention and control of risks, while taking into account the continuity and gradualism of provident fund loan management.
2. What is the basis for this adjustment of provident fund loan policy?
A: According to the differentiated credit policy of the city's housing provident fund, in the past, it was mainly to review the housing situation under the names of families applying for loans. Even if the paid employees have used provident fund loans, they can still apply again after paying off. This adjustment is to simultaneously review the family housing situation and provident fund loan records under the name of this city. For the families of paid employees who have purchased the first set of housing and have never used provident fund loans, the differentiated credit policy of provident fund will not be adjusted; For the paid workers' families who have used the 1 provident fund loan, even if there is no house in their name, they can only implement it according to the second set of improved housing loan policies; The third provident fund loan will not be issued to the families of paid employees who have used provident fund loans twice. This helps to reflect the differentiation and fairness of provident fund loans, and also reflects the key support targets of provident fund.
Adjusting the loan policy of the second set of improved housing is a corresponding adjustment according to the requirements of this real estate regulation and control. In 20 10, the Ministry of Housing and Urban-Rural Development and other four ministries and commissions required that the down payment ratio of the second set of improved housing provident fund should not be less than 50%, and the loan interest rate should not be less than 1. 1 times the loan interest rate of the first set of housing provident fund in the same period. 20 14 1 1 month, in order to support housing consumption, according to the documents of the People's Bank of China and the China Banking Regulatory Commission, the provident fund loan policy for purchasing the second set of improved ordinary housing is implemented with reference to the first set of housing policies. Under the current background of real estate regulation and control, the down payment ratio, provident fund loan interest rate and maximum loan limit should be adjusted accordingly to purchase the second set of improved ordinary housing without referring to the first set of housing loan policies, so as to better reflect the differentiated management with the first set of first-time buyers.
The adjustment of the monthly income base ratio of the borrower's repayment ability is based on the Notice on Effectively Improving the Use Efficiency of Housing Provident Fund (Jian Jin [20 15] 150). "On the premise of ensuring the borrower's basic living expenses, the upper limit of the ratio of monthly repayment amount to monthly income is controlled at 50%-60%." The spirit of adjustment. At present, the repayment ability of provident fund borrowers in this city is calculated according to the monthly repayment principal not exceeding 50% of wage income. If interest is added, the monthly repayment amount accounts for about 70% of wage income, which exceeds the upper limit control standard of 50%-60%. After this adjustment from 50% to 40%, it can truly reflect the borrower's solvency, control the monthly principal and interest payment within the scope stipulated by the policy, and reduce the default risk of provident fund loans.
Strictly identify the purchase of the second set of improved housing According to the Notice on Relevant Issues Concerning Standardizing the Housing Provident Fund Personal Housing Loan Policy (Jian Jin [20 10] 179), "The second set of housing provident fund personal housing loan is only provided to paid workers' families (including borrowers, spouses and minor children) whose existing per capita housing construction area is lower than the local average level, and the loan purpose is limited to the purchase of improved housing.
When calculating the deposit balance multiple of the provident fund loan amount, the loan risk lever and the principles of mutual assistance, fairness, enjoyment and sustainability of the housing provident fund are usually considered comprehensively. Other cities in the country are not higher than 25 times, generally between 10-20 times. Considering the factors of policy continuity and gradualism, the city will appropriately reduce the supplementary provident fund from 40 times to 30 times (from 20 times to 10 times).
3. When is the implementation time of this provident fund personal housing loan management method?
A: In order to minimize the impact of policy adjustment on new applicants, this policy adjustment is based on the online signing time of the house purchase contract. If the online signing time is after165438+1October 28th, the new policy will be implemented when applying for provident fund loans; If the online signing date is before165438+128 October (inclusive), the original policy will remain unchanged when applying for provident fund loans.
(The above answers were posted on 2016-11-29. Please refer to the actual purchase policy. )
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20 16 latest housing purchase policy
20 16 latest housing purchase policy
1. If the provident fund is used for the first time and the construction area of Xing Tao is less than 90 square meters (inclusive), the minimum down payment ratio of the loan shall be 20% of the total house price. If the purchase area of provident fund loans is more than 90 square meters, the minimum down payment shall be more than 30%;
2. Only those who have paid for one year in a row and are still paying can get a loan. The loan amount is calculated according to your deposit amount. At present, the interest rate is that individuals pay more than 600 yuan and can entertain 800,000 people. In addition, the loan amount is graded, and the maximum loan amount is 654.38+0.04 million.
3. According to the current deed tax policy, individual purchases are subject to differentiated tax rates. According to the regulations, if an individual purchases an ordinary house, and the house is the only house in the family, and the area of the purchased ordinary commodity house is less than 90 square meters (including 90 square meters), the deed tax shall be executed according to 1%; If the apartment area is 90 square meters to 144 square meters (including 144 square meters), the tax rate will be halved, that is, the effective tax rate will be 2%; If the purchased residential unit area exceeds 144 square meters, the deed tax rate is 4%. Purchase non-ordinary houses, two or more houses and commercial investment properties (shops, office buildings, business apartments, etc.). ) are taxed at the rate of 4%.
4.2065438+On March 30, 2005, the website of the central bank issued a notice saying that the minimum down payment ratio should be adjusted to not less than 40% for households with/kloc-0 apartments and the corresponding housing loan has not been settled, and the specific down payment ratio and interest rate level should be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.
(1), different interest rates: commercial loans are higher (10 years, 20 13 years) 6,55%. Provident fund 4,5%.
(2) The lending time is different: the commercial loan is fast and the provident fund is slow.
(3) The maximum amount is different: commercial loans are generally not limited, while provident funds are limited, and local regulations are different. The maximum amount generally ranges from 400,000 to 800,000 yuan.
(4) Different loan objects: commercial loans are not limited, and the provident fund can only be handled for the deposit object.
5. Different loan authority: commercial loans are not limited, and provident fund loans are limited to deposits or loans from different places allowed by policies.
On March 30th, 20 15, the Ministry of Finance of People's Republic of China (PRC) and State Taxation Administration of The People's Republic of China issued the Notice on Adjusting the Business Tax Policy for Individual Housing Transfer (Caishui [2065438+05] No.39), which stipulated: "If an individual sells a house that has been purchased for less than two years, the business tax will be levied in full; If an individual sells a non-ordinary house that has been purchased for more than 2 years (including 2 years), business tax shall be levied according to the difference between the sales income and the purchase price of the house; Individuals who purchase ordinary houses for more than 2 years (including 2 years) for external sales are exempt from business tax. "
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20 16 what are the requirements for bank loans?
More and more consumers borrow money to buy houses and cars, and advanced consumption patterns represent the progress of our society. The past 20 15 will usher in a new 20 16, so what are the conditions for 20 16 bank loans? Let's have a look.
I. Personal credit loans on 20 16
Personal credit loan is a fashionable loan method, so what conditions do you need to apply for personal credit loan on 20 16? Under normal circumstances, the bank will require the lender to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; No bad personal credit record; The average monthly income of the lender shall not be less than 4,000 yuan. Submit the relevant application materials, and the bank can apply for a loan with a monthly income of 5-8 times after approval.
Second, 20 16 housing mortgage loan conditions
Why do more and more people choose mortgage loans? It is because no matter how the expected annualized interest rate of mortgage changes, it is still based on the benchmark expected annualized interest rate, and the lender has little pressure to repay the loan. So what are the conditions for applying for a mortgage loan on 20 16? Under normal circumstances, the lender's income and credit requirements are high, the service life of the mortgaged house should be less than 20 years, and the area of the mortgaged house should be more than 50 square meters and have certain liquidity; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.
Third, 20 16 conditions for college students' entrepreneurial loans
College students' entrepreneurial loans have attracted much attention, and many regions have introduced policies to support college students' entrepreneurial loans such as loan subsidies or interest-free loans. So what conditions do you need to apply for 20 16 college students' entrepreneurial loan? Under normal circumstances, college students' entrepreneurial loans require students to be students at school or college students within two years of graduation; College degree or above; Age 18 years old or above. Compared with other loan types, the application conditions for college students' entrepreneurial loans are relatively relaxed, and then they only need to submit their student ID cards, transcripts, statements and other materials to the bank, and they can get loans after approval.
Iv. 20 16 loan conditions for individual households
Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing. Many people choose this kind of loan. 20 16 what are the requirements for applying for a self-employed loan? Generally speaking, you must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.
Verb (abbreviation of verb) 20 16 Housing mortgage loan conditions
Many people buy houses and apply for mortgage loans, so what are the conditions for applying for mortgage loans on 20 16? Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.
This is the end of Shanghai's new loan policy 20 16 and new loan policy 2022. Did you find the information you needed?