Quzhou provident fund loan policy: 1, not higher than the corresponding proportion of total housing purchase and construction. Among them: for the purchase of commercial housing and affordable housing, the loan amount shall not exceed 70% of the total purchase price; Construction, renovation and overhaul of housing, the loan amount does not exceed 60% of the cost of construction, renovation and overhaul of housing; For the purchase of second-hand houses, the loan amount shall not exceed 50% of the total purchase price; 2. The loanable amount is calculated according to the following formula: loanable amount = the monthly provident fund amount paid by the borrower and his spouse at the time of loan: 12 (month) and 20 (year); 3. The monthly repayment amount shall not exceed 50% of the average monthly income of the borrower's family; 4. The loan amount is not higher than the maximum amount determined by the Municipal Provident Fund Management Committee. If both the borrower and the spouse pay the housing provident fund normally according to the regulations, the maximum loan amount is 400,000 yuan (including 250,000 yuan for second-hand houses); If only one of the borrower or spouse pays the housing provident fund normally according to the regulations, the maximum loan amount is 250,000 yuan (of which the maximum loan amount for second-hand houses is 6.5438+0.5 million yuan). Counties (cities, districts), Juhua company housing provident fund maximum loan amount according to the housing provident fund deposit balance and loan demand to determine. 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.
2. What is the standard for flexible employees in Quzhou to pay provident fund?
For flexible employees, the deposit amount of housing provident fund is only the individual's monthly deposit amount, and the deposit ratio is 5%- 12%, which needs to be agreed when signing the deposit agreement.
The monthly deposit amount of housing provident fund for flexible employees shall be determined and declared by themselves, and the maximum amount shall not exceed 1200 yuan, and the minimum amount shall not be lower than the minimum monthly deposit amount published in the annual review document of this Municipality.
Third, how to use the provident fund loan here in Quzhou?
Last time I applied for a loan from a Cai Xi person, and soon our local loan company handled it for me.
Fourth, how to use the provident fund loan here in Quzhou?
Basic conditions for applying for housing provident fund loans:
1, the identity is legal and valid;
2. Have full capacity for civil conduct;
3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
4, purchase, construction, renovation, overhaul occupied housing;
5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;
6. Provide customer-recognized guarantee;
7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;
8. Deposit conditions: the housing provident fund account has been established for more than 6 months (inclusive).
Provide the following information:
1, the deposit certificate of the applicant's and spouse's housing provident fund;
2, the applicant and spouse's identity certificate (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status;
3. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
4, the purchase of housing contracts, agreements and other valid documents;
5. List of collateral, pledge, certificate of ownership, certificate of consent of authorized disposition, and certificate of collateral valuation issued by relevant departments;
6. The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * sign a tripartite contract.
Other information required by the provident fund center:
1. For the loan application with complete information, the bank will accept and review it in time and submit it to the provident fund center in time;
2, provident fund center is responsible for the approval of loans, and timely notify the bank of the approval results;
3. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.