The housing accumulation fund policies vary greatly from place to place, and the provisions on the loan amount are also different. No one can give an accurate figure. Consult the local housing provident fund management center, or go to official website, the local housing provident fund management center. There will usually be an introduction.
Legal analysis
As long as the provident fund deposit period is more than one year and meets the conditions of local provident fund loans, you can use provident fund loans to purchase houses. It's just that the loan amount is different. Application conditions for provident fund loans: 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of financial support to meet the basic housing needs of workers' families, it is also a kind of financial support for housing security. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
legal ground
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Provident fund loan, at least how much can I borrow?
If you buy a new house, the balance of the provident fund should be at least 20 thousand; If you buy a second-hand house, it costs 40 thousand.
The balance of provident fund account is one of the criteria for calculating the amount of provident fund loans, but many factors need to be considered to determine how much to borrow. The general provident fund loan amount cannot be higher than 10~20 times of the balance of the provident fund account at the time of application, of which the maximum amount for purchasing new houses is 20 times, and the maximum amount for purchasing second-hand houses is 10 times.
If the provident fund loan is 400,000 yuan, the formula for calculating the provident fund loan according to the balance of the provident fund account is: the amount of the provident fund loan (400,000 yuan) = the borrower and the balance of the borrower's provident fund account × multiple (10~20), and the balance of the provident fund account for applying for a loan of 400,000 yuan can be calculated, and it takes at least 20,000 yuan to buy a new house.
Many people should know that the balance of the provident fund account can be used not only for loans, but also for renting houses, repaying loans and overhauling self-built houses. However, considering that the balance of the provident fund account is directly related to the mortgage amount, it is best for friends who intend to use the provident fund loan to buy a house not to withdraw the provident fund easily before this.
After all, the more the balance of the provident fund account, the higher the loan amount, and once it is withdrawn, the account balance will decrease and the loan amount may not be satisfactory. Of course, the final loan amount of the provident fund loan is not a single reference account balance, but also calculated according to factors such as the time of deposit and the value of the purchased property.
In fact, in addition to buying a house, renting a house and repairing a house, the provident fund has three hidden functions:
1, enjoy tax exemption. Friends with higher wages can pay a higher proportion of five insurances and one gold as much as possible, which can not only reduce tax deduction, but also increase the money in their personal accounts.
2, you can be a pension. Isn't everyone worried about having no money to support the elderly? Then when you reach retirement age, you can withdraw the provident fund at one time with interest.
3. Used to pay for major diseases. If a family member is unfortunately seriously ill and has no money for treatment, then we can also withdraw the provident fund to pay for medical expenses. However, not all diseases can be extracted, and the identification standard of major diseases is subject to the regulations of housing provident fund management centers around the country. If you are really worried about having no money to deal with major diseases, it is recommended to rely on large medical insurance and critical illness insurance to feel more at ease.
How much is the provident fund 4 universal loan?
Provident fund 4 universal loans up to 400 thousand, married loans up to 600 thousand.
1. Calculation formula: provident fund loan amount = account balance × deposit amount in August × months from retirement age;
2. Maximum amount of provident fund loan: ① One person applies for individual housing provident fund loan with a maximum amount of 600,000 yuan; (2) Two or more people purchase the same set of self-occupied housing and apply for individual housing provident fund loans. The loan amount is the sum of each applicant's loan amount, with a maximum of 6,543,800 yuan.
3. Age of provident fund loan: the female quota is 55 years old and the loan period is 60 years old; The male quota is 60 years old and the loan period is 65 years old;
4. Provident fund deposit base: the monthly deposit amount of the provident fund loan application ×2≤ the provident fund deposit base;
Second, the house sold by the owner is mortgaged, which is a provident fund loan or a portfolio loan. If the customer applies for a provident fund loan or a portfolio loan, he must wait until the owner pays off the original loan before approving the new loan.
Third, the amount of provident fund loans in each city is different. Here are a few simple examples (all of which are the first home loan quotas):
1, beijing beijing provident fund loans can be lent 1 10,000 yuan per year, and if the deposit period is less than 1 whole year, the maximum loan can be 1 .2 million, and the maximum loan ratio is 80%.
2. The maximum amount of personal loans in Shanghai is 500,000, and the maximum amount can be 600,000 if there is supplementary provident fund; The housing area is less than or equal to 90_ 80% of the maximum loan ratio; Housing area over 90 _ The maximum loan ratio is 70%.
3. The maximum personal loan in Guangzhou is 600,000 yuan, the maximum loan ratio without housing and loans can reach 70%, the maximum loan ratio without housing and loans has been settled 60%, and the maximum loan ratio for non-ordinary housing is 30%.
4. The maximum personal loan in Shenzhen is 500,000 yuan, and the maximum loan ratio is 70%.
5. The maximum personal loan in Tianjin is 600,000 yuan, and the maximum loan ratio is 70%.
6. The maximum personal loan in Chongqing is 400,000 yuan, the housing area is less than or equal to 90_ and the maximum loan ratio is 80%; The housing area is more than 90_ and less than or equal to 144_, and the maximum loan ratio is 70%; Housing area 144_ above, and the maximum loan ratio is 60%.
7. The maximum personal loan in Nanjing is 500,000 yuan, and the maximum loan ratio is 80%.
8. The maximum personal loan in Hangzhou is 500,000 yuan, and the maximum loan ratio is 70% for commercial housing and 80% for affordable housing; 70% of second-hand houses are less than or equal to 20 years, and 60% are more than 20 years.
9. The maximum personal loan in Wuhan is 700,000 yuan; The housing area is less than or equal to 90_ 80% of the maximum loan ratio; Housing area over 90 _ The maximum loan ratio is 70%.
10, the maximum personal loan amount in Chengdu is 400,000, and the maximum loan ratio is 70%. The amount of provident fund loans in other cities can be directly logged into official website, the local housing provident fund management.
Is there a 40 thousand renewal loan for the provident fund?
Provident fund is a social security system in China, which aims to provide housing security and old-age security for employees. According to the provident fund loan policy, employees who pay more provident fund can apply for corresponding loans. However, the amount of provident fund loans is not unlimited with the increase of deposit. Different working cities or regions have different provisions on loan amount. Generally speaking, provident fund loans can reach 4-5 times the deposit amount. Based on 40,000 yuan, if the renewal time is long enough and the application conditions meet the standards, it is possible to get a loan. However, consultation and application should be conducted according to local policies and regulations.
How much can I borrow from the 40 thousand provident fund? Can the balance of the provident fund account be fully withdrawn?
I believe many people know that you can apply for provident fund loans to buy a house when the provident fund is paid to a certain number of years and quotas. For second-and third-tier cities, the amount of provident fund loans to buy a house is completely sufficient. How much can I borrow from the 40 thousand provident fund? Can the balance of the provident fund account be fully withdrawn?
How much can I borrow from the 40 thousand provident fund?
The balance of provident fund account is one of the ways to calculate the amount of provident fund loan, and the amount of provident fund loan cannot be higher than 10-20 times of the balance of provident fund account at the time of application. Buy a new house up to 20 times, if it is a second-hand house, it is 10 times.
If the balance of the provident fund account is 4w, you can apply for a maximum amount of 400,000-800,000 by substituting it into the calculation formula. However, it should be noted that the amount of provident fund loans applied in the name of individuals cannot exceed 600,000 yuan. For applications made by families, the maximum amount of provident fund loans can not exceed 1.2 million yuan.
Of course, housing provident fund policies vary greatly from place to place, and the provisions of loan quotas are not the same. No one can give an accurate figure. Consult the local housing provident fund management center, or go to official website, the local housing provident fund management center. There will usually be an introduction.
Can the balance of the provident fund account be fully withdrawn?
According to the regulations, after paying the provident fund, if the relevant conditions are met, the housing provident fund can be withdrawn from the account. Under normal circumstances, the housing provident fund is not allowed to be fully withdrawn, and it can only be fully withdrawn under special circumstances such as resignation, transfer and retirement.
The above is the sharing of "How much can 40,000 provident fund be loaned". I hope it will help everyone!
There are more than 40 thousand in the provident fund account. How much can I borrow?
Hello! There is 40 thousand yuan in the provident fund account. How much money can be borrowed mainly depends on the provident fund loan regulations in the area where the applicant is located.
If you want to know more about provident fund, you can read this article first.
What is the provident fund? What's the use? You will understand after reading it.
The provident fund is not how much you want to borrow.
In some areas, the account balance is calculated as the base, and in some areas, the deposit period of the provident fund is calculated as the base. In some areas, different loan quotas are provided according to factors such as whether the applicant is an individual or a family, the repayment ability of the applicant, the total housing price and so on.
A big city like Beijing can borrow up to 6.5438+0.2 million yuan, while Zhengzhou can only borrow up to 600,000 yuan even in the name of family, such as husband and wife or parents with children.
But the exact amount you can borrow has to be calculated separately. Suppose 30-year-old Xiao Li works in Guangzhou, and pays the provident fund 1667 every month, with a balance of 40,000;
According to the calculation formula of Guangzhou:
Loan amount = balance of provident fund account × deposit amount in August × remaining months before retirement:
40,000× 865,438+0667× 360 = 920,000. So I got a loan of 920,000 yuan.
However, the personal limit in Guangzhou is 600,000, so I only borrow 600,000.
Therefore, local policies are different. Before the loan, it is recommended to call the local provident fund center hotline 12329 for detailed consultation.
Pay attention to insurance, 1 free consultation 1, take a professional, objective and neutral attitude, choose products with higher cost performance for you, and buy insurance easily!
Can I borrow 40 thousand provident fund? Let's stop here.