Hello, Jiang Fang provident fund loan. The housing provident fund loan policy in this district has been adjusted to 201410/0/0/0/0/5.
The adjustment of housing provident fund loan policy mainly includes three aspects:
First, the borrower is a family with two or more people, and the maximum loan amount is adjusted from 400,000 yuan to 450,000 yuan.
Second, workers' families who have settled their housing provident fund loans and apply for loans to buy ordinary commercial housing again in order to improve their living conditions are regarded as applying for housing provident fund loans for the first time.
Third, if the borrower's spouse normally deposits the housing provident fund in other cities and provides the deposit certificate and the details of the deposit in the last six months, the loan amount will be calculated together, and the maximum loan amount will be adjusted from 300,000 yuan to 450,000 yuan; If the borrower's spouse is an active serviceman, the maximum loan amount will be adjusted from 300,000 yuan to 450,000 yuan.
2. Where can I apply for a provident fund loan?
Provident fund management center
3. Where can I apply for a housing provident fund loan?
Legal analysis: the location of housing provident fund management is in the local provident fund management office, which can handle municipal provident fund, provincial provident fund and directly affiliated unit provident fund. The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. Usually it will be handled at the provident fund management center. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund. Urban individual industrial and commercial households and freelancers can apply for housing provident fund deposit (note: not all housing provident fund management centers in community cities allow urban individual industrial and commercial households and freelancers to deposit housing provident fund, please consult local housing provident fund management agencies for details). The process of provident fund management is: 1, loan consultation. 2. Submit an application. 3. sign the contract. 4. Transaction transfer. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.