Changsha Housing Provident Fund Loan Policy in 2022

In 2022, the individual loan ratio of Changsha housing provident fund was 80.89%, and the individual loan multiple was 15. 65438+1On October 26th, Changsha Housing Provident Fund Management Center issued a notice on defining the multiple of personal loans in 2022. According to the notice, at the end of 20021,the proportion of individual loans of Changsha housing provident fund was 80.89%, ranging from 80% to 85%. In 2022, the personal loan multiple is 15, which is the same as 202 1, that is, the loanable amount of employees (including provincial branches) paid in Changsha is still based on the sum of the balance of the housing provident fund accounts of the borrower and his wife.

First, ordinary individual provident fund housing loans.

Letter of credit clause

1. The housing provident fund account is in a normal state and has been deposited normally for nearly 12 months.

2. Good credit, stable income and the ability to repay the loan principal and interest.

3, did not exceed the statutory retirement age stipulated by the state.

4. If the off-site housing provident fund has been deposited in Changsha Provident Fund Center for more than 6 months without interruption, after the off-site housing provident fund is transferred to the account, the deposit time of the two places can be calculated together. If the off-site housing provident fund is deposited in Changsha Provident Fund Center after intermittent or intermittent deposit, it still needs to be deposited in Changsha Provident Fund Center for more than 12 months before applying for a loan.

5. Employees' families (married refers to both husband and wife, single refers to individual employees, the same below) have not applied for provident fund loans (including but not limited to Changsha Provident Fund Center). If so, the provident fund loan for six months must be settled.

6. Workers' families did not purchase the housing provident fund in Changsha (including Changsha Provident Fund Center and provincial sub-centers) when purchasing this house.

7 employees and their spouses have no record of provident fund loans for more than two times. The loan record is the sum of the loan times of Changsha Provident Fund Center and provincial sub-centers. If a provident fund loan has been applied for during the marriage relationship, the original husband and wife will each calculate 1 loan record.

8. The applicant must purchase a self-occupied house in Changsha, and he is the owner or owner of the house purchased, and has paid off the purchase price above the prescribed down payment ratio;

9. Take the assets recognized by Changsha Provident Fund Center as collateral, and agree to choose the repayment and guarantee method specified by Changsha Provident Fund Center.

In addition, when applying for housing provident fund loans, the following special circumstances cannot be used for loans:

Special circumstances of not being able to apply for provident fund housing loan

Interest rate, term and amount of loan

loan rate

Identification standard and loan interest rate of Changsha in 2022

Note: When employees apply for housing provident fund loans, families have cancelled their properties, of which 1 set, regardless of size, is not included in the number of family housing units. (That is to say, if the family has only one set of housing and has been cancelled, the provident fund loan can also be handled according to the first set, and so on. )

Workers' families (married refers to both husband and wife, single refers to individual workers) are combined to calculate the number of housing units recorded in the housing registration information system of Changsha Housing Management Department and the number of housing units in other places where the provident fund is paid, and the number of housing units outside the two places shown in the loan materials such as the personal credit information system of China People's Bank should also be included in the number of family housing units. The place where the provident fund is deposited refers to the city where the provident fund of both husband and wife is normally deposited.

Houses that have been cancelled by employees' families are not included in the housing units of employees' families.

Those who apply for provident fund loans within 2 years of divorce, regardless of whether the marital property is distributed to the borrower, as long as it is not cancelled, are included in the number of family housing units of employees. * * * Houses with property rights under the name of employees' families should be included in the number of family houses, and the area of housing property rights should be calculated according to the share of property rights.

If an employee applies for provident fund loans within 2 years after divorce, and the marital property is still in the name of both husband and wife, whether it is allocated to the loan applicant or not, it will be included in the number of housing units of the employee's family. In principle, the contract filing time shall prevail if the property right certificate has not been issued, and the property right registration time shall prevail if the property right certificate has been issued. If the employee disagrees, it shall provide relevant information to prove that it is the pre-marital property of the original husband and wife. Houses with pre-marital contracts filed and property rights registered during marriage are not included in marital property.

length of maturity

1, provident fund loan, with a minimum of 1 year and a maximum of 30 years.

2. The loan period can be extended to 5 years after the statutory retirement age, that is, the loan period can reach 65 years for men and 60 years for women (senior technicians and cadres at or above the county level can be calculated to be 65 years old).

Note: The loan period applied by flexible employees shall not exceed the period stipulated in the deposit agreement, and shall not exceed the period from the time of applying for a loan to the retirement age, that is, men shall be counted as 60 years old and women as 55 years old.

amount of loan

1. The borrower's family loan amount is calculated according to the personal loan interest rate, account balance, house purchase situation, family income and other factors, and the lower values of the calculation results are 200,000 yuan and 700,000 yuan (the higher loan amount of the housing provident fund for three children of employees' families is raised to 800,000 yuan).

Note: According to the loan amount calculation formula, if the employee's family loan amount is less than 200,000 yuan, it will be approved as 200,000 yuan. The lower limit of the loan of 200,000 yuan mentioned in the preceding paragraph does not apply to employees (except renting houses) and flexible employees whose families have withdrawn their provident fund in the last 12 months.

2. The monthly repayment amount of employees' family loans shall not exceed 50% of their monthly income.

3. Calculation formula of provident fund amount:

Loan amount = (employee housing provident fund account balance+spouse housing provident fund account balance) ×n multiple

Note: In 2022, the personal loan multiple in Changsha is 15, that is, the credit line paid by employees (including provincial branches) in Changsha is still calculated as 15 times the sum of the balance of the housing provident fund accounts of both husband and wife.

4. At present, Changsha has opened loans from Hunan Province and urban agglomerations in the middle reaches of the Yangtze River, and the balance can be merged into the account balance.

In Hunan Province: The provincial provident fund of counties and cities such as Zhuzhou, Xiangtan, Yueyang, Changde and Yiyang can borrow money to buy a house in Changsha.

Wuhan, Hefei, Nanchang, Huangshi, Jiujiang, Huanggang, Fuzhou, Xianning, Yichun, Yichang, Jingzhou, Ezhou, Xiaogan, Tianmen, Xiantao, Qianjiang and other provinces and cities can apply for provident fund loans in Changsha. (These cities can handle off-site provident fund loan portfolio loans, but they cannot handle business transfer. )

5, commercial bank housing loans into provident fund loans loan amount shall not exceed the remaining principal balance of the original commercial bank housing loans.

Commercial loans are converted into provident fund loans.

For buyers who have not paid the provident fund for 12 months, if their favorite house is in a state of "slow hands", it is an expedient measure to use commercial loans to get the housing first and then transfer to provident fund loans.

1. There are two ways to transfer commercial bank loans to provident fund loans:

The purchased house has been mortgaged.

Workers' families apply for loans first, and after approval, they can settle the commercial bank loans, cancel the mortgage and go through the mortgage procedures for housing provident fund loans before issuing provident fund loans.

When this suite has not obtained the property right certificate, it can be mortgaged with other properties.

If the property (this suite) applying for provident fund loan has no title certificate, there is no need to settle the commercial loan in advance, and the provident fund center will directly connect with the commercial bank when lending.

Where other houses are mortgaged, the mortgaged houses shall meet the following conditions:

situation

Note: The stipulation that "the house must be mortgaged within the administrative area where the house is to be purchased" means that the mortgage business of Changsha Real Estate Center is limited by the area, so the house purchased in Wunei District (Furong, Tianxin, Yuelu, Kaifu and Yuhua) can only be mortgaged by other suites in Wunei District, and the house with long-term prospects can only be mortgaged by other suites.

In addition, it should be noted that at present, it is not supported for provident fund companies to turn public in different places.

Repayment method

1. If the term of the provident fund loan is 1 year, the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid off with the principal. If the loan term exceeds one year, the principal and interest of the loan will be repaid in monthly installments. Employees can choose the repayment method of equal principal and interest or average capital.

2. Hedging repayment: the balance of the housing provident fund account offsets the monthly repayment amount.

Second, the free trade zone high-level talent provident fund loan policy

Letter of credit clause

High-level talents who start a business or work in Changsha may apply for housing provident fund loans if they meet the following conditions:

1, recognized by Changsha as a, b, c and d high-level talents, and obtained a talent green card or talent certificate;

2. Open a housing provident fund account in our city and deposit it normally, which is not restricted by normal deposit 12 months or more;

3. High-level talented families (married refers to both husband and wife, single refers to individual employees, the same below) purchase the first set of self-occupied housing in the administrative area of Changsha;

4, high-level talents as the main borrower to apply for housing provident fund loans; 5. Meet other conditions stipulated in the current housing provident fund loan policy.

5. Further enhance business convenience.

It is easier to determine the number of employees' family housing units. The number of employee family housing units is limited to the self-owned housing within the administrative area of Changsha City, and the housing registration information of Changsha City shall prevail. The loan records shown in personal credit information no longer need the borrower to provide relevant information to prove.

loan limit

1, and the loan amount is relatively high. The loan amount of high-level talent family provident fund can be relaxed to 4 times of the higher loan amount in our city.

2. Calculation of loanable amount. The loanable amount of high-level talents is 4 times of the current loan amount calculation formula, that is, the balance of high-level talents' own housing provident fund account is× n times× 4, and the loanable amount of spouses is still calculated according to the current loan amount calculation formula, and the loanable amount of both husband and wife can be calculated together.

3. Calculation of the final loan amount. Calculate the final loan amount according to the calculation formulas such as loanable amount, down payment ratio and repayment ability. Within the higher loan amount, take the lower value.

Three. any other business

Other loan matters and processes such as loan application, loan interest rate and term shall be implemented in accordance with the current housing provident fund loan policy.

legal ground

Notice on Optimizing Business Policies and Processes of Housing Provident Fund

Article 1 Increase the maximum loan amount of housing provident fund.

The "Notice" clarifies that the maximum loan amount of housing provident fund loans in our city will be raised from 600,000 yuan to 700,000 yuan, and the maximum loan amount of housing provident fund loans for three-child families will be raised to 800,000 yuan.

Article 2 focuses on supporting the depositor's demand for purchasing the first suite.

Implement a phased "loanable" policy for the first suite. In order to help depositors alleviate the pressure of buying houses under the influence of the epidemic, the Notice clarifies that from the implementation date of the policy to February 65438+3 1 in 2022, employees' families can apply for provident fund loans or purchase the first suite housing, and the total amount of the same set of housing withdrawal shall not exceed the down payment. If you apply for house purchase withdrawal after the loan is successfully handled, the housing provident fund account of both husband and wife should keep enough repayment amount of housing provident fund loan 12 months.

Article 3 Meet the reasonable demand for improved housing.

Reduce the down payment ratio of the second suite. In order to support employees to improve their living environment, the minimum down payment ratio is adjusted from 60% to 40% if employees' families apply for housing provident fund loans by purchasing second suites.

Cancel the area limit requirement of the first suite. If you buy a second suite and apply for a housing provident fund loan, the first set of self-occupied housing area shall not exceed 144 square meters, that is, the area of the first suite shall not be limited.

At the same time, if you apply for housing provident fund loans again after the existing housing provident fund loans are settled, the requirement of "need to settle for 6 months" will be cancelled, that is, the existing housing provident fund loans can be loaned again immediately after settlement. Increase the amount of rent withdrawal

In order to help depositors reduce the pressure of renting houses, employees withdraw the housing provident fund once a year to pay the rent, from "the amount of each withdrawal shall not exceed 50% of the actual remittance amount in the past 1 year" to "the amount of each withdrawal shall not exceed the actual remittance amount in the past 1 year", thus improving the support for employees' rental withdrawal.