What is the amount of housing provident fund loan in 2019? What is the interest rate of housing provident fund loan in 2019? This question must be what many friends want to know. Here, let's introduce some knowledge of loan.
housing provident fund
The loan period of housing provident fund loan is related to the first-hand house, second-hand house and loan purpose. Personal housing loan for housing provident fund: the length of the first-hand house can not exceed 30 years;
The length of second-hand housing can not exceed 15 years; the length of personal construction, renovation and overhaul loans for self occupied housing provident fund can not exceed 15 years; the loan period of additional construction, renovation and overhaul housing provident fund loans applied for house purchase should be consistent with the loan period applied for house purchase. In addition, the above-mentioned years are not longer than 5 years after the borrower's statutory retirement time.
Loan amount and proportion of first hand housing provident fund
1. For the first-hand housing provident fund loan, the high loan limit is 600000 yuan, and the following conditions are met:
① The loan limit shall not exceed 70% of the total price of the house purchased (the construction area below 90 square meters can be relaxed to 80%);
② If the borrower deposits the housing provident fund unilaterally, the loan limit shall not exceed 50% of the total price of the house purchased. However, if the monthly deposit amount of the housing provident fund reaches 1400 yuan or more (the specific amount shall be subject to the data published by the management center), on the basis of considering the repayment ability, it can be relaxed to no more than the proportion specified in paragraph '①' above.
2. For the first-hand housing provident fund loan to buy two houses, the high loan amount is 500000 yuan, and the high loan amount does not exceed 40% of the total housing price.
Second hand housing provident fund loan amount and proportion
The high loan amount of second-hand housing provident fund is 400000 yuan, which meets the following conditions:
1. The high proportion of the first housing loan of the second-hand housing provident fund can be divided into three grades according to the construction period of the house. If the construction period of the house is within 10 years (including 10 years), the high proportion of the loan shall not exceed 70% of the total housing price; if the construction period of the house is within 11-20 years (including 20 years), the high proportion of the loan shall not exceed 60% of the total housing price;
If the construction period of the house is within 21-30 years (including 30 years), the high proportion of loans shall not exceed 50% of the total price of the house. The determination of the total price of the house shall be subject to the lower price among the house appraisal price, the actual transaction price and the transaction tax price;
2. If the borrower deposits the housing provident fund unilaterally, the loan limit shall not exceed 50% of the total price of the house purchased; however, if the monthly deposit amount of the housing provident fund reaches 1400 yuan or more (the specific amount shall be subject to the data published by the management center), it may be relaxed to no more than the proportion specified in paragraph '1' above on the basis of considering the repayment ability;
3. Second hand housing provident fund two housing loan high proportion does not exceed 40% of the total housing price.
The term of provident fund loan shall not exceed 30 years. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, house price percentage, housing provident fund account balance and high loan limit. The small value calculated by the four conditions is the amount of high loan available to the borrower. The calculation method of provident fund loan amount is as follows:
1. Loan amount calculated according to repayment ability
The calculation formula is: [(total monthly salary of the borrower + monthly deposit of housing provident fund of the borrower's unit) & times; repayment ability coefficient - total monthly repayable amount of the borrower's existing loan] & times; loan term (month).
2. Amount of loan calculated according to the spouse
[(total monthly wages of both husband and wife + monthly deposit of housing provident fund of both husband and wife's unit) & times; repayment ability coefficient - total monthly repayable amount of existing loans of both husband and wife] & times; loan term (months). Among them, the loan repayment ability coefficient is 40%; monthly total salary = monthly payment of provident fund & divide; (unit deposit ratio + individual deposit ratio).
3. The amount of loan calculated according to the house price
The calculation formula is: loan amount = house price & times; loan ratio.
1. For those who use their own housing provident fund to apply for housing provident fund loan, the loan limit is 400000 yuan;
2. If the spouse's housing provident fund is used to apply for housing provident fund loan, the loan limit is 600000 yuan;
3. If I apply for housing provident fund loan with my own housing provident fund, and I normally deposit supplementary housing provident fund when applying for loan, the loan limit is 500000 yuan;
4. If the spouse's housing provident fund is used to apply for housing provident fund loan, and he or his spouse normally deposits supplementary housing provident fund when applying for loan, the loan limit is 700000 yuan.
In terms of the interest rate of provident fund loans, the interest rate of loans within five years (inclusive) is 2.75%, and that of loans over five years is 3.25%. Among the interest rates of the second set of housing loans, the benchmark interest rate within 5 years (inclusive) is 2.75%, 1.1 times the benchmark interest rate is 3.025%; the benchmark interest rate over 5 years is 3.25%, 1.1 times the benchmark interest rate is 3.575%.