Zhengzhou and Kaifeng realize mutual loan of housing provident funds!It will explore the mutual recognition business of "1+8" Zhengzhou Metropolis Capital Fund

Elephant reporter Song Yingying

On August 4th, the reporter learned from the Zhengzhou Housing Provident Fund Management Center that the "Zhengkai Housing Provident Fund's same Urbanization Management Business Guide" (hereinafter referred to as "business guidelines") has been officially announced recently, and the employees of the two places can apply for the business guide to apply for application. Go to the housing provident fund business.

According to business guidelines, Kaifeng citizens come to Zhengshi House, and can apply for provident fund loans in Zhengzhou City in accordance with the same conditions of Zhengzhou's depositor employees, and the maximum loan amount can reach 800,000 yuan.

In addition to Zheng Kai's two places, the "18 Policies for Strengthening the Financial Services of New Citizens" announced on July 21 also clearly mentioned that exploring the "1+8" Zhengzhou metropolitan provident fund mutual recognition business to realize the provident fund in the urban circle to achieve the provident fund in the urban circle Mutual loans of loans can effectively meet the demand for loan purchase in other cities in the urban circle to enter the Zhengxin Citizen's provident fund loan.

Kaifeng citizens can apply for up to 800,000 yuan of provident fund loans in Zhengshi House

In accordance with the requirements of the business guideline, Kaifeng citizens need to meet the following conditions at the same time:

The applicant has a legal and effective certificate; the applicant has been continuously and the housing provident fund is more than 12 months old; the housing property rights purchased are clear, the houses built in accordance with laws and regulations, and the buyers have paid the specified first payment, the remaining funds have been paid, and the remaining funds have paid the proportion. unpaid;

The applicant and spouse have good credit, no large debt, and the ability to repay the principal and interest of the loan; the applicant agrees to use the guarantee method required by Zhengzhou Center.

Loan ratio:

The maximum percentage of new commercial housing loans accounted for 70%of the total real estate price; the proportion of the total price of commercial housing loans (second -hand) commercial housing loans is 60%; The highest proportion is 70%. (Only new commercial housing can handle a portfolio loan)

loan amount:

At the same time, the maximum limit of the provident fund loan is 800,000 yuan: 1. The husband and wife's payment are met with the condition of the provident fund loan application; 2. The family uses the provident fund loan for the first time;

For one of the following situations, the maximum limit of the provident fund loan is 600,000 yuan: the unilateral deposit situation of the borrower meets the loan conditions; the planned house is the second home of the family;

If there is one of the following situations, the amount of provident fund loan does not exceed the corresponding maximum limit, and does not exceed 15 times the balance of the family provident fund deposit account: 1. The proposed housing is a two -suite of the family;

Lending rates:

The annual interest rate of the 1-5-year loan is 2.75%, and the annual interest rate of the loan of 6-30 is 3.25%. For the second application for loans (including a portfolio loan), the loan interest rate is performed at 1.1 times the loan interest rate of the same grade.

The "Business Guide" also mentioned that when applying for a loan, the family has not settled the provident fund loan; the purchase of the third and above houses of the family; the family has already applied for two provident fund loans; There are three consecutive or 6 consecutive bad records of credit reporting; those who purchase "villas", "apartments (excluding residential apartments)" and sell real estate such as "basement" separately, one of these conditions will not be provided with provident fund loans.

Zhengzhou people need to continue to pay for provident fund loans for more than 6 months in Kaifeng

At the same time, the business guidelines have clearly stated that Zhengzhou City's depositor (including counties, cities, districts) to purchase self -occupied housing (including counties, districts), and can apply for housing provident fund loans in Kaifeng City in Kaifeng City in accordance with the same conditions of Kaifeng City.

Applying loans shall meet the following conditions at the same time: the applicant has a legitimate and effective identity certificate; the applicant is continuous and the normal deposit housing provident fund is more than 6 months;比例的首付款，余款未支付(商转公贷款除外);购买二手房的，过户时间距办理贷款时间不得超过12个月，申请商转公贷款的，所购住房已取得不动产权证，且The settlement time for commercial banks' housing loans is no more than 6 months; applicants and spouses have good credit, and their ability to repay the principal and interest of the loan; the applicant agrees to use the guarantee method required by Kaifeng City. The highest loan amount is also 800,000 yuan.

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