When the loan amount of Quzhou Provident Fund is less than 70% (inclusive) in loan-to-deposit ratio for two consecutive months, the maximum loan amount for the first-hand house is 500,000 yuan, and the maximum loan amount for both parties is 800,000 yuan; Second-hand housing is implemented according to the loan amount of up to 250,000 yuan for employees and up to 500,000 yuan for both parties. 1. Quzhou provident fund loan amount 1. When the loan-to-deposit ratio is lower than 70% (inclusive) for two consecutive months, the unilateral maximum loan amount of the first-hand house is 500,000 yuan, and both parties are 800,000 yuan; Second-hand housing is implemented according to the loan amount of up to 250,000 yuan for employees and up to 500,000 yuan for both parties. 2. When the loan-to-deposit ratio is continuously between 70% and 85% (inclusive), maintain the current loan amount, that is, the maximum loan amount for a first-hand house is 250,000 yuan for one party and 500,000 yuan for both parties; The second-hand house is 200,000 yuan for one party and 350,000 yuan for both parties. 3. When the loan-to-deposit ratio is higher than 85% for two consecutive months, the loan amount will be lowered, and the standard of 200,000 yuan for the first-hand house and 400,000 yuan for both parties will be implemented, and the standard of 6,543,805 yuan and 300,000 yuan for the second-hand house workers will be implemented. 2. With regard to the qualification period and retention quota of provident fund loans, the borrower must continuously pay the housing provident fund in full for 6 months; After clearing the provident fund loan, you can apply for the provident fund loan again from the next month. In addition to the repayment of the provident fund, the borrower's personal account must be kept for 6 months. Interpretation: 1 What is the eligibility time limit for applying for provident fund loans? A: If the borrower has paid the housing provident fund in full for six consecutive months, he can buy a house and apply for a provident fund loan; After the provident fund loan is settled, those who apply for the provident fund loan again may apply on 1 day of the following month. 2, owing on the loan to withdraw the reserve amount of provident fund? Answer: If the repayment of the provident fund directly offsets the principal and interest of the provident fund loan on a monthly or annual basis, and the balance of the provident fund account is withdrawn on an annual basis to repay the principal and interest of the loan, the borrower and his spouse's personal account must keep the deposit for 6 months; The repayment and withdrawal policies of pure commercial loans remain unchanged. 3. When will this clause come into effect? A: It was implemented on June 7, 2022. If the depositor has paid the provident fund loan in full for six consecutive months before the end of May 2022 or settled it before the end of May 2022, he may apply for the provident fund loan from June 7. 3. For the borrower who started the business of transferring business to public, he paid the housing accumulation fund in Qu, applied for commercial loans, and had a good repayment record. If the house mortgaged by the original commercial personal loan has completed the property right certificate and meets the conditions of provident fund loans, it may apply for the business of transferring the business to the public, and all or part of the balance of commercial loans will be converted into provident fund loans, and the amount of the transferred loans will not exceed the current provident fund loan limit. Encourage borrowers who have applied for subsidized provident fund loans to apply for converting the balance of subsidized provident fund loans in the original subsidized provident fund loans into provident fund loans on a voluntary basis. Interpretation: 1 What are the conditions for a start-up company to switch to public service? A: When the personal loan rate of housing provident fund in this city is lower than 90% for three consecutive months, in principle, the transfer business will be started. 2. How to determine the scope of business transfer to the public? Answer: If you deposit the provident fund in Quzhou, buy a self-occupied house in Quzhou and apply for a pure commercial loan, this provision does not support the business of transferring employees from other places. 3. What are the conditions for the applicant to turn to public loans? A: The original commercial personal loan has been repaid for more than 1 year, and there is no record of overdue for three consecutive times or accumulated six times, and the commercial personal loan has not been settled; The house mortgaged by the original commercial personal loan has completed the property right certificate, and only the commercial personal loan has been mortgaged, and there are no other rights restrictions such as guarantee, seizure and establishment of residence right; The loan applicant is the property owner or owner of the original commercial personal loan house; The original commercial bank agreed that the borrower would repay the commercial personal loan in advance. 4. How to determine the applicant's loan amount? Answer: It shall not exceed the repayment balance of the borrower's original commercial loan, the maximum loan limit of the current provident fund applied by the borrower and the loanable amount of the current provident fund applied by the borrower. 5. What is the principle of batch processing of business conversion? A: According to the principle of "loan first, then transfer", the business of transferring loans from commercial enterprises to public enterprises is accepted in batches according to the capital situation. The first batch of businesses that accept discount loans from provident fund apply to convert the balance of the original discount loans into provident fund loans on a voluntary basis. From September 1 day, 2022, the business-to-business business of commercial personal loans issued before 20 12 12 3 1 day will be accepted, and the scope of subsequent acceptance will be announced separately according to the personal loan interest rate. 6. What is the loan method for business from commercial to public? Answer: the handling methods are divided into pure commercial loans to pure provident fund loans and pure commercial loans to portfolio loans; Lending methods are divided into: first, if the original commercial loan applicant turns to the public, the provident fund loan will be paid to the account designated by the borrower; Second, commercial loans are directly repaid with provident fund loans, which are paid to the designated account of the entrusted bank. 7. What are the main application materials for business transfer? A: In addition to the original loan execution rules, it is also necessary to provide the original commercial personal loan contract, the Property Certificate of the house purchased by the commercial personal loan and the repayment details. If you choose to settle the balance of commercial personal loans in advance, you must provide proof of settlement; If you choose to return the provident fund loan directly to the commercial personal loan, you must also provide the confirmation letter issued by the original commercial bank agreeing to repay in advance and the original commercial personal loan balance certificate as of the application date of the business-to-public loan.
2. What is the upper limit of personal provident fund loan in Quzhou?
It depends, including first-hand houses and second-hand houses.
Let's talk about second-hand houses first:
1. The housing accumulation fund cannot be used to pay the down payment.
I suggest you take the provident fund card to our center first.
Calculate your loan amount. At present, the policy of our center is that the maximum amount of second-hand houses is 2 1 1,000 yuan, and the service life is 20 years, which does not exceed 70% of the house price. However, not everyone can borrow that much. How much you can borrow depends on the software. The key point still depends on what kind of house to buy. The evaluation price of each house is different, so the amount you can take is different.
Evaluate the price of the house you want to buy. At present, our center entrusts Suzhou Housing Property Right Guarantee Company to evaluate the housing price, which is subject to their evaluation price, not the actual transaction price.
3. At present, the second-hand housing transaction in Suzhou should go through the formalities of online signing and fund custody at Suzhou Real Estate Trading Center, and then go to our center for provident fund loans or commercial banks for pure commercial loans.
4. About the withdrawal of provident fund
Materials required for commercial housing extraction: provident fund card, ID card, purchase contract, online fund custody certificate (custody amount reaches 30%) or provident fund card, ID card, purchase contract and deed tax payment certificate.
5. About handling entrusted deduction procedures
After you complete the loan procedure and the loan is issued, you can handle it. Bank cards that need loan contracts, provident fund cards, identity cards and entrusted deductions are handled in our center or commercial banks according to the types of loans.
Let's talk about yishoufang first:
1, the provident fund can be used as a down payment, depending on the provident fund handling office, generally one month is reserved.
2. The single maximum amount is 500,000 yuan, and the loan is 30 years.
Note: Conditions of the first-hand house borrower
(1) The borrower has paid the housing provident fund in full and on schedule for more than six months before the month of application;
(2) The down payment for buying a house, with no less than 20% for newly-built ordinary houses;
(3) Being able to implement loan guarantee;
(4) The borrower, spouse and other property owners have no housing provident fund loan debt, and their personal credit status is good.
Third, I would like to ask you, what is the loan amount of Quzhou Provident Fund?
Provident fund policies vary from place to place. It is recommended to consult the local provident fund management center. The official telephone number is 12329.
4. What is the payment ratio of 202 1 Quzhou for five insurances and one gold?
202 1 Quzhou Five Insurance and One Gold Payment Standard
The general social security payment base is 60%-300% of the average wage of employees in urban non-private units in the previous year. For example, the average wage of employees in urban non-private units is 1000 yuan, and the payment base can range from 600 yuan to 3,000 yuan. In some areas, the annual minimum wage is higher than the lower limit of the payment base.
The payment base of the provident fund shall be stipulated separately.
Statistics from the Bureau of Statistics show that the average annual salary of workers in Zhejiang Province is 6 1099 yuan (5092 yuan/month).
What is the minimum standard of 202 1 Quzhou for five insurances and one gold?
Medical insurance, maternity insurance, industrial injury insurance, old-age insurance and unemployment insurance are based on 3,055 yuan, and the provident fund is based on 1660 yuan.
Minimum payment amount of endowment insurance: unit: 3055× 14%=427.7 yuan; Individual: 3055×8%=244.4 yuan.
Minimum payment amount of medical insurance: unit: 3055×8%=244.4 yuan; Individual: 3055×2%=6 1. 1 yuan.
Minimum payment amount of unemployment insurance: unit: 3055×0.5%= 15.28 yuan; Individual: 3055×0.5%= 15.28 yuan.
Minimum payment amount of industrial injury insurance: unit: determined according to the industry; Personal: No need to pay.
Minimum payment amount of maternity insurance: unit: 3055×0.5%= 15.28 yuan; Personal: No need to pay.
Minimum deposit of housing provident fund: unit: 1660× 12%=200 yuan; Personal: 1660× 12%=200 yuan.
The minimum payment amount of individual five insurances and one gold = 244.4438+0.115.200 = 520.78 yuan.
The minimum payment for five insurances and one gold is 427.7244.415.15.20027.545.83 = 975.99 yuan.