The maximum amount of provident fund loans is 400,000 yuan, and the maximum amount of provident fund loans for spouses is 600,000 yuan.
There are three ways to calculate the amount of provident fund loans:
1, calculate the loan amount according to the repayment ability.
The calculation formula is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
2. according to the number used by the spouse
The calculation formula is:
[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).
Among them, the repayment ability coefficient is 40%.
Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution)
3. The loan amount calculated according to the house price
The calculation formula is: loan amount = house price × loan ratio.
Extended data:
Upper limit of provident fund loan:
The National Provident Fund Center pointed out in the notice that the maximum loan amount for loan applicants to purchase policy housing or the first self-occupied housing with a building area of less than 90 square meters (inclusive) is adjusted to 6.5438+0.2 million yuan, and the maximum loan amount for non-policy housing or second housing with a building area of more than 90 square meters is still 800,000 yuan. The amount of state-managed provident fund loans will no longer rise according to personal credit rating in the future.
Wenzhou's "public transfer business" discount loan will implement the amount of provident fund, which is expected to be alleviated.
After Guangzhou, Hangzhou and other places have successively approved the discount loan scheme of provident fund, Wenzhou Provident Fund Management Center will also launch the policy of converting individual housing provident fund into commercial discount loan recently. At present, the policy has been reviewed and approved by Wenzhou Housing Provident Fund Management Committee, and will be officially launched at an appropriate time after discussing with relevant departments to determine the specific details.
Because the amount of provident fund loans is often tight, the problem of slow lending has been criticized. The introduction of this policy is expected to alleviate the shortage of housing provident fund loans and further increase the support of housing provident fund for employees to purchase houses.
What is the discount loan business of "bus business"?
"Revolving business" discount loan refers to the provident fund loan business in which the housing provident fund management center is short of funds in stages, and the entrusted bank first issues commercial personal housing loans as replaceable loans to the provident fund loan borrowers according to the personal housing provident fund loan amount approved by the provident fund management center, and the provident fund management center gives monthly interest spread subsidies. When the provident fund center has sufficient funds, the commercial personal housing loan of the bank will be replaced and returned.
Under what circumstances will the discount loan business be opened?
Wenzhou Housing Provident Fund Management Center stipulates that when the proportion of individual housing provident fund loans in the provident fund management center reaches 90% or above for two consecutive months, the discount loan for the revolution business will be started; When the loan ratio is in the range of 85% ~ 90%, the implementation of discount loans to public companies will be suspended; When the loan ratio is less than 85%, the replacement and transfer of discount loans to public companies will be implemented in batches until all the replacement and transfer are completed.
What are the requirements for applying for discount loan business?
To apply for a "public company" discount loan, you must meet the conditions of both individual housing provident fund loans and commercial loans before you can apply.
What is the discount loan amount?
The loan amount of discount loans for "public-owned enterprises" shall be determined according to the calculation method stipulated in the Notice of the Municipal Provident Fund Management Center on Adjusting the Loan Policy of Individual Housing Provident Fund in our city (No.83 [2015]). At present, the maximum loan amount in urban areas is still 800,000 and the minimum loan amount is 350,000.
What is the repayment method of discount loan?
The repayment method of discount loans for "bus merchants" draws lessons from the practices of cities such as Hangzhou and Xiamen, and adopts the "monthly repayment method in average capital".
During the period when the workers repay the discount loans of "revolutionary merchants", the interest difference arising from the commercial housing loan interest rate being higher than the provident fund loan interest rate shall be subsidized by the provident fund management center on a monthly basis. The discount amount is based on the difference between the interest calculated by the commercial loan interest rate and the interest calculated by the provident fund loan interest rate.
How much can I borrow from the housing provident fund?
Legal analysis: 1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million.
2. The specific loanable amount is comprehensively determined according to the deposit of employee housing provident fund and the loanable amount standard of housing provident fund loans, the status and price of purchased housing, individual repayment ability and credit status.
3 workers housing provident fund loan amount is insufficient, you can apply for housing provident fund portfolio loans. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans.
From 4.201110/0, the loanable amount of employee housing provident fund is calculated according to the monthly average balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result is rounded to thousands. If the calculation result is higher than 500,000 yuan, it is determined to be 500,000 yuan, which is lower than150,000 yuan. When a loan applicant applies for a provident fund loan, the number of housing units shall be calculated based on the family with the largest number of housing units under the name of the applicant and the family to which the applicant belongs. Finally, the number of existing housing units is determined by the family with the largest number of housing units of the loan applicant's family (family members include both husband and wife and minor children).
Legal basis: Detailed Rules for the Implementation of the Measures for the Administration of Personal Housing Provident Fund Loans.
Article 3 Borrowers refer to employees who meet the conditions of provident fund loans as stipulated in the Measures. There shall be no more than two borrowers for the same provident fund loan. If there are two borrowers, the borrowers should be spouses, or if the immediate family members of the payer and the buyer are not the same person within two generations, they should be spouses or immediate family members within two generations.
When borrowers handle portfolio loans, the borrowers of provident fund loans and commercial loans may not be the same person, but they must be spouses or immediate family members within two generations.
Article 5 Houses refer to: (1) commercial houses; (2) Housing stock; (3) housing reform; (4) Houses without house ownership; (5) self-built housing.
Commercial housing refers to houses developed, built and sold by real estate development enterprises. Stock house refers to the house that has been purchased and obtained the ownership certificate. Housing reform housing is public housing, which refers to the built public housing purchased by urban workers at the standard price or above according to the relevant urban housing system reform policies of the state and local people's governments at or above the county level. According to the purchase, the ownership of the house belongs to the individual employee at the standard price, and the employee owns part of the house, which generally belongs to the individual employee after 5 years. A house without house ownership refers to a house located on military or collective land and unable to apply for a state-owned property right certificate. Self-built houses refer to houses invested and built by individuals.
2022 Wenzhou provident fund loan amount
The loan amount of Wenzhou provident fund in each region is as follows: Yueqing and Ruian in the four districts: 200,000-500,000 for single employees and 250,000-700,000 for double employees; Taishun, Cangnan and Pingyang: 15000-300000 simplex, 200000-500000 duplex; Wencheng and Yongjia:1.5-400,000 simplex, 200,000-600,000 duplex.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
On August 17 and 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that the down payment for purchasing a second home with provident fund loans will be cancelled by 20% from September 15 and 1 day.
Loan process:
I. Consultation of loan applicants
The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.
II. Preliminary review and evaluation
The loan applicant to the loan handling department for preliminary examination and related evaluation:
1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.
2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.
3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure.
4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.
Three, the loan applicant waiting for telephone notification.
1. The staff of the loan handling department will review the loan according to the materials required by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.
2. If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid; If the loan applicant chooses the non-guarantee center as the guarantee method, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract.
Wenzhou Provident Fund Loan Line 2022
Legal analysis: Wenzhou provident fund loan amount is determined according to the region.
1, three districts (Ouhai, Longwan and Lucheng), Yueqing, Ruian and Dongtou have 200,000-500,000 single employees and 250,000-700,000 double employees;
2. Taishun, Cangnan and Pingyang: simplex1500,000-300,000, duplex 200,000-500,000;
3. Wencheng and Yongjia: 15000-400000 simplex, 200000-600000 duplex.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
1. The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
5. Housing accumulation fund is a personal housing savings fund specially used for housing consumption expenditure stored by employees according to regulations.
Housing provident fund has two characteristics:
1, cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not distributed in cash. It must be deposited in the special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
2. Specificity: The housing accumulation fund should be earmarked for special purposes and can only be used for purchasing, building, overhauling occupied houses or paying rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with the unit or move out of the original city can they withdraw their housing from their registered permanent residence.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-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.