How to use provident funds when buying a house in Huizhou: the latest policies and operation guide
With the continuous adjustment of Huizhou's property market policies, housing provident fund purchases have become the first choice for many home buyers. This article will combine the hot topics and hot content on the Internet in the past 10 days to provide you with a detailed analysis of how to use provident funds when buying a house in Huizhou, and provide structured data reference.
1. Huizhou provident fund loan latest policy (updated in 2024)
| Project | Standard |
|---|---|
| Loan amount | The maximum is RMB 500,000 for a single person and RMB 800,000 for a couple. |
| loan interest rate | 3.1% for first home and 3.575% for second home |
| Loan term | Up to 30 years (not exceeding retirement age + 5 years) |
| Down payment ratio | 20% for the first house, 30% for the second house |
| Deposit requirements | Continuous deposit for more than 6 months |
2. Huizhou Provident Fund House Purchase Process
1.Prequalification: Check the loan limit through the official website or APP of Huizhou Housing Provident Fund Management Center
2.Property confirmation: To purchase pre-sale commercial housing, the developer must have registered, and for second-hand housing, a real estate certificate must be obtained
3.Material preparation:
| Material type | Specific requirements |
|---|---|
| Proof of identity | Identity cards, household registration books, and marriage certificates of both spouses |
| Proof of income | Salary statement in the past 12 months |
| house purchase contract | Recorded formal contract |
| down payment voucher | Proof of payment not less than 20% of the total room price |
4.loan application: Submit an application to the Provident Fund Management Center or the trustee bank (accepted within 3 working days)
5.mortgage registration: Handle real estate mortgage procedures (it takes 5-7 working days)
6.lending: Loans will be released to the developer’s account within 5 working days after the mortgage is completed
3. Hotspots for use of provident funds in various districts of Huizhou
| area | Popular properties | Average price (yuan/㎡) | Provident fund utilization rate |
|---|---|---|---|
| Huicheng District | Jinshan Lake area project | 12,000-15,000 | 68% |
| Zhongkai District | Tonghu Ecological Smart City | 9,000-11,000 | 72% |
| Daya Bay District | West District Linshen Project | 10,000-13,000 | 65% |
| Huiyang District | Baiyun New Town Area | 8,500-10,500 | 60% |
4. Frequently Asked Questions
1.Can provident funds from other places be used in Huizhou?Yes, it needs to meet the Huizhou deposit or Guangdong-Hong Kong-Macao Greater Bay Area city mutual recognition conditions.
2.How to apply for a portfolio loan?The provident fund part is implemented in accordance with the policy, the commercial loan part needs to be applied for separately, and the interest rate is based on bank standards.
3.What are the rules for early repayment?You can apply after 12 months of normal repayment, and you can make early repayment free of charge once a year.
4.What are the restrictions on second-hand housing provident fund loans?If the house is no more than 20 years old, it must be assessed by the Provident Fund Center.
5. Expert advice
1. Give priority to housing provident fund cooperation projects, which can shorten the approval time
2. Couples can increase the loan amount by applying jointly. It is recommended to calculate the optimal plan in advance.
3. Follow the "Huizhou Provident Fund" WeChat official account to get the latest policy changes
4. You can use the provident fund balance to offset part of the down payment before taking out a loan.
By properly planning the use of provident funds, you can save 10-20% of interest expenses when buying a house in Huizhou. It is recommended that home buyers make flexible use of provident fund benefits based on their own circumstances and in conjunction with the latest policies.
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