A: The annual interest rate of housing provident fund loans was 5.22%,
night dresses 上师大辅导员“吃香” 1千多人应聘2个岗位 -- 浙江消息网 news.zj.com, commercial lending rates according to the relevant provisions of the lending bank to determine.
【Example 2】 Pharaoh chose the lump sum to buy a house because it is 期房, have not obtained certificates of title, he wants to fund can be extracted from it?
A: The staff in the purchase, construction, renovation, repair their houses with the title when I am in the extraction of the housing provident fund account balance is insufficient storage, you can extract his or her spouse, lineal blood relatives and family members with store the balance of housing provident fund account, but must be extracted by the written consent and in accordance with the conditions of the extraction time for extraction procedures, applicants should not be handled in batches.
A: Under normal circumstances can apply for up to 30 million housing fund loans. Specific to the actual fund management center through the city received the results of query system to calculate the subject.
(1) more than two people and families involved in the loan: First of all meet the loan conditions were calculated for each of the borrowers of loanable amount, each person's basic provident fund credit lines no more than 20 million credit line to add fund to not more than 10 million; and then all of the basic fund the borrower's loan amount can be cumulative, total no more than 40 million line of credit accumulation fund can be added, the total is not more than 100,000 yuan . The total loan amount a household does not exceed 50 million.
(2) does not exceed the total purchase price in accordance with the Housing determine the proportion of the loan limit (currently 80% 一手房, second-hand housing to 70 %);
(2) the retired or reached retirement, retirement age.
6 housing fund the repayment of a loan by way of what?
(5) also did not yet large amount of clearance may affect the debt repayment capacity.
A: This pony is to buy the first set of owner-occupied housing. Ratio of housing accumulation fund loan for the down payment, 一手房 price of not less than 20%, 30% of second-hand housing.
A: The borrower to apply for the return of all loans in advance, without time limit. After the borrower to settle outstanding loans, entrusted with the bank loan interest will not be collected, in accordance with the loan interest charged on the loan contract has not returned.
【Example 2】 Li couple married soon,
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(1) does not higher than the borrower in accordance with the balance of housing provident fund account in multiples of storage to determine the loan limit (currently 40 times the basic fund balance to supplement the fund balance of 20 times);
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New Zhejiang Xinhua Net November 12 in Shanghai, the housing provident fund total has exceeded 100 billion yuan loan amount. However,
vibram fingers 上海市率先完成 大卫生局 机构改革 医, the details of the use of housing fund, many people are still unclear. Not only that,
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(3) not higher than determined in accordance with the loan repayment capacity limits, the calculation formula is:
【Example 1】 Zhang apply for housing provident fund loans 20 million, paid off in 15 years, 1 year later, he was part of the early repayment, the repayment will he in the back, enjoy what interest rate?
trustee bank and the borrower should agree on early repayment of part of the loan balance remaining after the repayment period, the repayment period should be shorter than the original loan the remaining term of the contract period, the loan interest rate the borrower has to fulfill The repayment period plus the remaining period to determine the period corresponding to the provident fund interest rate determine the grade; part of the early repayment of loan principal balance remaining after the remains of the original loan contract agreed to with the return of the same way to return, banks should be re-commissioned for the borrower to calculate the monthly repayment amount.
1 to apply for housing provident fund loans to individuals to purchase basic conditions should be consistent with what?
【Example】 Miss Zhou chosen equal monthly principal and interest repayment method, but two years later, she wanted to repayment of principal equal to the monthly repayment method, can I?
【3】 Chen in Shanghai, for example, but now the foreign accounts without social security card, how does he handle the fund extraction business?
A: According to regulations, employees of one of the following circumstances,
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II, September 14, 2007 (including September 14) to receive and sign a contract before the interest rates by adjusting the implementation of the former, 14 September 2007 and signed the contract after receiving the loan, the implementation of construction Ministry of People's Bank of notice. September 15, 2007 payment of the outstanding loans, from 1 January 2008 onwards according to the provisions of the notice.
8 can be extracted when the housing provident fund?
4 housing provident fund loans to individuals to purchase the maximum limits?
A: the workers meet the following conditions may apply for the loan fund by the borrower:
【Example】 Zhang buy a select combination of loans, of which 30 million fund, 20 million commercial loan, the loan period of 20 years, he enjoyed what the interest rate?
(3 ) purchase not less than the amount of down payment requirement ratio;
【Example 1】 Zhang buy a new house, the extraction of his housing fund, the balance of 20,000 yuan that is not enough, he can extract his wife, the housing provident fund account balance it?
where (2), (3), (4), (5) cases, workers extract the housing provident fund should I cancel the account and in full extraction, the extracted amount of all employees. In addition, the workers died or been declared dead, the staff of the heir or legatee can extract the dead workers in the housing provident fund account balance of storage, employee housing provident fund accounts at the same time cancel the account for processing.
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(1) in the purchase, construction, renovation, repair with When ownership of their houses.
A: The loan amount for each fund shall meet the following standard limit:
(4) account or move out of the city settle abroad.
A: The trustee bank should the borrower to fulfill the original loan contract 1 year later, only part of the borrower to accept applications for early repayment and the borrower change the loan contract in writing, ahead of the return of the borrower the original loan amount not less than 6 months contract in the amount.
New Zhejiang Xinhua Net November 12 in Shanghai, the accumulated housing fund has exceeded 100 billion yuan loan amount. However, the details of the use of housing fund, many people are still unclear. Not only that, the central bank to raise interest rates this year after several consecutive weeks, in the housing loans, the loan interest rate advantage fund further embodiment of how rational and effective use of the fund, has become a concern for many home buyers
borrowers calculate the amount of housing provident fund deposit monthly wage base × the prescribed proportion (currently 50%) × 12 months × the loan period;
(2) only one person in the family loans: calculation based upon the existing rules, the basic loan amount can fund no more than 20 million credit line to add fund to not more than 10 million. A total of not more than 30 million.
3 loans to individuals to purchase housing provident fund interest rate?
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(5) non-employee transferred to Shanghai Shanghai membership.
Answer: no. Workers not to apply for buyers in the premise of the loan fund extraction housing fund, in addition to purchase of public housing to pay back the principal in the fund to offset the direct use when paying back the principal, the purchase of other types of housing are required to do a production permit application before extraction, At the same time permit self certification of employees have six months from the date of the time limit, did not apply for withdrawal of more than six months, will be deemed a waiver.
(1) with urban permanent residence;
【Example 2】 Zhang was originally scheduled for two years in advance will be 10 years of housing provident fund loans repaid, without any concessions?
7 in advance whether the borrower to repay the housing provident fund loans?
A: The borrower from the loan for one year from the date of the return part of the fund in advance a loan principal and interest, some do not have to pay the prepayment penalty. Borrower to apply for the return of all loans in advance, without time limit.
(4) does not exceed the maximum loan limit (see question 3).
(2) prior to the application time of continuous housing provident fund deposit of not less than 6 months;
5 the amount of housing provident fund loans is how to calculate?
A: The housing provident fund loan policy of housing, or not to buy their homes due to apply for a housing provident fund loans.
for the first time to buy their homes housing accumulation fund loan borrowers, the household as a unit from the line of credit to the household-based, spouse (or the credit reference person) approach to calculate the amount, and the maximum loan amount per household is 40 million; if added housing fund, increase in household add another 10 million housing fund loan limit. Adjusting both cases:
(4) has a more stable income and ability to repay loans;
【Example 1】 Komago for 5 years, single, ready to buy a total 100 million second-hand housing,
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2 Provident Fund loans,
A: According to the Ministry of Construction (Construction FSC [2007] No. 225) People's Bank of China, on Adjusting the financial institutions of RMB deposit and lending rates notice fund individual housing loan interest rates, 5 years (including) the following loans from the current 4.59% annual interest rate adjusted to 4.77%; 5 years or more loans from the current 5.04% annual interest rate adjusted to 5.22%.
【Example 1】 ponies have an apartment house, production certificate the name of the parents and the pony, but have not used the loan fund. Now pony intended to purchase the marriage room, and apply for housing provident fund loans is this the first suite it? What is the down payment?
Answer: no. According to
A: According to the provisions of the Shanghai Provident Fund Management Center, meet the conditions for social security card, extract the housing fund applicants shall produce social security card, social security card does not belong to the conditions the applicant may apply by Extraction procedures for the relevant ID card
should be noted that within one year of the fund a loan, a debt service should be at maturity; year more than a loan fund shall repay the loan principal and interest monthly. Borrowers can choose their own situation.
(6) employees to repay principal and interest home loans, you can extract the housing provident fund balance to offset storage.
A: The housing accumulation fund loan repayment are: equal monthly principal and interest repayment method and the two equal monthly principal repayment method.
【Example 2】 Zhang marriage bought a suite, applied for a housing provident fund loans, and his wife after marriage for the purchase of a new house, but before that the provident fund loans not yet repaid suite, what Zhang or his wife can apply for housing provident fund loans?
A: According to City Housing Fund Management Committee decided that from 1 September 2007, the housing provident fund loan limit was adjusted to:
Answer: no. According to
A: If they are to buy their first homes, under normal circumstances can apply for up to 50 million housing fund loans. Specific to the actual fund management center through the city received the results of query system to calculate the subject.
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(3) fully or largely lost the ability, and with the termination of labor relations unit.
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Hybrid Mode
