According to reports, Beijing's latest housing provident fund loan conditions have been released, and it is clear that the loan target for buying a second home is limited to families with an existing per capita housing construction area of less than 29.4 square meters. According to the Notice of Beijing Housing Provident Fund Management Center in official website on Adjusting the Per Capita Housing Construction Area Standard of Personal Loan for Second Suite Housing Provident Fund (J.F.F. [20 13] 1No.), Beijing Municipal Bureau of Statistics announced that the per capita housing construction area of urban households in 201KLOC-0/year was 29.4 square meters. If the per capita living area of the first suite exceeds 29.4 square meters, the purchaser's application for the provident fund second suite loan will be rejected.
Can Beijing housing provident fund loan for more than one month?
Hello, the monthly repayment of Beijing housing provident fund loan is ok, but it should be decided according to your actual situation. Generally speaking, you can determine the monthly repayment amount according to your actual situation, but the minimum repayment amount cannot be lower than the monthly interest rate multiplied by the loan balance. For example, if the loan balance is 500,000 yuan, then your minimum monthly repayment amount is 1.625 yuan. In addition, you can adjust the monthly repayment amount according to your actual situation, but it can't be lower than the minimum repayment amount.
3. How much can Beijing Provident Fund borrow in 94 months?
Beijing provident fund has been deposited for 94 months, and it can receive about 800,000 loans. According to the regulations of Beijing provident fund management, 1 those who have been dissatisfied with their work 10 can only borrow 100000 a year, and those who have worked10 for more than 0 years can directly borrow1200000.
Four, Beijing housing provident fund loans
Beijing's provident fund policy is as follows: 1. When applying for housing provident fund loans, "recognize the house and recognize the loan". Two, the implementation of the loan amount and the loan applicant housing provident fund deposit period linked. In order to reflect the fairness and justice of the system, the loan can be 6,543,800 yuan per year. If the deposit period is less than 654.38+ 0, the maximum loan can be 6,543,800 yuan+0.2 million yuan according to the calculation of 654.38+0. 3. Distinguish the maximum loan amount. Fourth, the down payment ratio was adjusted according to the current commercial loan policy. 5. The loan term has been adjusted. The loan term can be calculated from the longest to the borrower's 70 years old, and adjusted to the longest 65 years old in principle. 6. Adjust the monthly repayment amount. Seven. Adjust the guarantee method. Eight, streamline the loan application materials. Nine, streamline archival materials. Notice of Beijing Housing Provident Fund Management Center on Adjusting Housing Provident Fund Individual Housing Loan Policy Article 1 When applying for a loan, the borrower shall meet the following conditions: (1) When applying for a loan, the borrower shall continuously deposit the housing provident fund for more than half a year (inclusive) and his housing provident fund account is in a normal deposit state; Retirees have paid housing provident fund before retirement. (2) The loan applicant must be qualified to buy a house in Beijing; Apply for a loan to pay for the house you bought. (three) the loan applicant has no housing loan record and no housing in this city, according to the first home loan policy; Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy. If there are two or more houses approved, no loans will be granted. Warm reminder that the above answer is only for the current information combined with my understanding of the law. Please refer carefully! If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.