The new policy of housing provident fund withdrawal stipulates that the main purpose of withdrawing provident fund is to "ensure that paid employees buy the first set of self-occupied housing or improved self-occupied housing", and employees who buy three suites or more will miss the provident fund. The premise of drawing provident fund to pay rent is that there is no room under the employee's name, so there is no problem affecting the drawing of provident fund to buy a house.
2. Renting a house to withdraw the provident fund will affect the loan amount.
Taking commercial housing as an example, the maximum amount of provident fund loan for the first suite can reach 600,000, which does not exceed 70% of the total house price, and the amount within 90 square meters does not exceed 80%; The maximum amount of the second housing provident fund loan is 600,000 yuan, after deducting the difference after the first use of the housing provident fund loan. And no more than 40% of the total house price.
Generally speaking, the personal provident fund loan amount is 20 times of the balance of 10- provident fund account. The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers.
Extended data:
Provident fund loan conditions:
1. On-the-job employees who have full capacity for civil conduct and have paid the housing provident fund in full;
2, continuous normal deposit of housing provident fund for more than twelve months;
3, in the administrative area of the purchase and construction of self-occupied housing, and has paid more than the prescribed down payment ratio of the purchase price;
4. Good personal credit, stable economic income and the ability to repay the loan principal and interest;
5. Agree to use the purchased house as loan collateral, or provide a guarantee recognized by the management center.
Baidu encyclopedia-provident fund loan
Baidu Encyclopedia-Regulations on the Management of Housing Provident Fund