1. The maximum loan limit of Tianjin Provident Fund is 700,000.
The calculation of the loan amount of housing provident fund shall be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount. The minimum value calculated according to the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:
(1) The loan amount is calculated according to the repayment ability.
The calculation formula of employee's own loan amount 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).
The calculation formula for the loan amount of both husband and wife 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).
(2) The loan amount is calculated according to the house price.
The calculation formula is: loan amount = house price × loan ratio.
1, purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private housing.
Workers' families (including employees, spouses and minor children, the same below) purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing) with a construction area of less than 90 square meters (including 90 square meters), and the loan amount does not exceed 80% of the purchased housing price; The construction area of the purchased house exceeds 90 square meters, and the loan amount does not exceed 70% of the purchase price of the house. Among them, the housing price of private property housing is the lower value of the total purchase price and the housing evaluation price.
How to calculate the loan amount of Tianjin individual housing provident fund? According to four conditions.
Although the interest rate of provident fund loans is lower than that of commercial loans, there are many places to pay attention to when applying. In addition to knowing the application conditions and required information, you should also know how to calculate the amount of provident fund loans. In different regions, the calculation method of provident fund loan amount will be different. Take Tianjin as an example to introduce here.
How to calculate the loan amount of Tianjin provident fund?
The amount of a single provident fund loan in Tianjin is determined according to the minimum value calculated from four conditions: repayment ability, proportion to house price, balance of housing provident fund account and maximum loan limit. The applied loan amount should be an integer of 1 0,000 yuan, and the calculated loanable amount should be reserved to thousands. If it is less than 1000, it should be added to 1.
1. According to the loan amount:
If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 800,000 yuan.
2. According to the down payment ratio:
If the borrower's family purchases its own house, the loan ratio shall be ≤ 80%.
3. According to the repayment ability:
[(total monthly salary of the borrower and spouse, monthly contribution of the housing accumulation fund of the borrower and spouse's work unit) ×× repayment ability coefficient—monthly repayment amount of the existing loan of the borrower and spouse ]× loan period (month), in which the repayment ability coefficient is 40%;
4. Balance multiple limit:
1) If the borrower's family purchases price-limited commercial housing or affordable housing, the loan amount shall be ≤× 20 times the balance of the housing provident fund account.
2) If the borrower purchases the first self-owned house with a family loan, the loan amount shall be ≤× 20 times the balance of the housing provident fund account;
3) If the borrower purchases a non-first-home-owned house with a family loan, the loan amount shall be ≤× 10 times the balance of the housing provident fund account.
4) If the balance of the provident fund account is less than or equal to 20,000 yuan, it shall be calculated as 20,000 yuan. If the spouse's quota is used, the balance of the provident fund account is the sum of the balance of the borrower's and spouse's housing provident fund account.
Calculation method of Tianjin provident fund loan amount and minimum standard provisions of provident fund
The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender. So how is the amount of Tianjin provident fund loan calculated, and what is the minimum standard of Tianjin provident fund loan? In this article, I will introduce you to the knowledge about the calculation and distribution of the loan amount of Tianjin provident fund.
Chapter I General Provisions
Article 1 In order to standardize the management of individual housing provident fund loans and support employees to purchase, build, renovate and overhaul occupied housing, these measures are formulated according to the Regulations of the State Council Municipality on the Administration of Housing Provident Fund, the Regulations of Tianjin Municipality on the Administration of Housing Provident Fund and the relevant provisions of the state, combined with the actual situation of our city.
Article 2 Personal housing provident fund loans refer to special housing consumption loans for the purchase, construction, renovation and overhaul of self-owned houses within the administrative area of this Municipality. Housing purchased by employees includes commodity housing, price-limited commodity housing, affordable housing, private housing and public housing property rights.
Article 3 Individual housing provident fund loans shall follow the principles of combining deposit with loan, deposit first and then loan, one-time loan with zero repayment and loan guarantee.
Fourth city housing provident fund management center for the city's individual housing provident fund loans management agencies, responsible for the examination and approval of individual housing provident fund loan applications, supervision of individual housing provident fund loans and settlement.
Article 5 The financial business of individual housing provident fund loans shall be handled by the commercial banks entrusted by the Municipal Housing Provident Fund Management Center to the Municipal Housing Provident Fund Management Committee (hereinafter referred to as "loan banks").
The loan bank must accept the supervision, assessment and management of the municipal housing provident fund management center when handling the personal housing provident fund loan business.
Article 6 When the employee's application for personal housing provident fund loan is insufficient to pay for the purchase, construction, renovation or overhaul of housing, he can also apply for personal housing loan from the loan bank, which will distribute it to the employee in the form of a combination of personal housing provident fund loan and bank personal housing loan (excluding Sino-German housing savings loan) (namely "personal housing provident fund portfolio loan").
Chapter II Loan Objects and Conditions
Article 7 If an employee's family (including the employee himself, his spouse and minor children, the same below) purchases his own house, the employee may apply for a personal housing provident fund (portfolio) loan (hereinafter referred to as "housing provident fund loan"). At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the spouse shall also meet the loan conditions stipulated in these Measures.
Eighth different family members * * * with the purchase of a house, one of the buyers can apply for housing provident fund loans.
Article 9 Employees applying for housing provident fund loans shall meet the following conditions:
(a) with full capacity for civil conduct, a stable occupation and income, the ability to repay the principal and interest of the loan, and good credit;
(two) has not yet reached the statutory retirement age (otherwise stipulated by the state can be extended, according to its provisions, but the maximum should not exceed 65 years of age);
(3) The house transaction is true, lawful and effective;
(4) He has opened a housing provident fund account for more than 1 year, paid the housing provident fund for more than 1 year continuously before applying for a housing provident fund loan, and the employer has no breach of contract;
(five) no housing provident fund loan debt;
(6) The down payment has been paid according to the provisions of these Measures;
(seven) agreed to provide security in accordance with the provisions of these measures.
Tenth employees have used their spouses' housing provident fund to apply for housing provident fund loans, and their spouses cannot apply for housing provident fund loans before the loans are paid off.
Eleventh employees in any of the following circumstances, can not apply for housing provident fund loans:
(a) the purchase of spouse, children, my parents or spouse's parents housing;
(2) Workers buy and sell houses within two years after divorce from their original spouses.
Article 12 If the unpaid housing provident fund is readjusted due to the change of the work unit for less than 3 months (inclusive) or the wrong adjustment of the payment base of the unit housing provident fund, and the unpaid housing provident fund has been replenished and resumed monthly deposit when applying for a loan, it can be regarded as continuous deposit.
Thirteenth when applying for housing provident fund loans, employees or their spouses have one of the following bad credit conditions, in principle, no loans:
(a) there is a record of outstanding loan principal and interest or repayment by the guarantor;
(2) There is a record of loan extension (extension) or debt repayment with assets in the last 24 months;
(3) A single housing provident fund loan or an outstanding commercial housing loan has more than 6 consecutive unpaid principal and interest records in the past 24 months;
(four) in the past 60 months, a single housing provident fund has been paid in loans overdue for more than 24 periods;
(five) in the past 60 months, loans overdue has paid the housing provident fund;
(6) There are records of bad debts or write-offs;
(seven) the personal credit report is listed as the person who has lost his trust.
Chapter III Loan Amount, Term and Interest Rate
Fourteenth employees who purchase the first set of self-owned housing or public housing property rights shall pay a down payment of not less than 30% of the purchased housing price; A down payment of not less than 60% of the purchase price shall be paid for the purchase of a second self-owned house.
The loan amount is not higher than the total purchase price (private housing is the lower of the total purchase price and the appraised value of the house) minus the down payment specified in the preceding paragraph; Among them, the purchase of affordable housing, the loan amount should not be higher than the difference between the total purchase price and housing compensation.
Fifteenth loan amount is determined according to the multiple of the balance of the housing provident fund account.
If the first self-owned house is purchased, the loan amount shall not be higher than 20 times of the balance of the housing provident fund account (if the spouse housing provident fund is used to apply for provident fund loans at the same time, it shall be the sum of the balance of the employee and the spouse housing provident fund account, the same below). If the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan. If the second set of self-owned housing and public housing property rights are purchased, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account, and if the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.
Article 16 The loan amount shall not be higher than the amount determined according to the formula for calculating the repayment ability of employees (employees and spouses). The specific formula is as follows:
[(Monthly contribution amount of housing provident fund of the unit where the total monthly salary is located) × repayment ability coefficient-monthly repayment amount of existing loans ]× loan periods (months)
Among them, the repayment ability coefficient is 40%, and the monthly repayment amount of existing loans is the monthly repayment amount of loans in personal credit report.
Seventeenth loan amount is not higher than the maximum amount of housing provident fund loans.
If you purchase the first set of self-owned housing, the maximum loan amount is 600,000 yuan; If you buy a second self-owned house, the maximum loan amount is 400,000 yuan.
Article 18 The amount of a single housing provident fund loan shall be calculated according to the minimum amount stipulated in Articles 14 to 17 of these Measures.
Article 19 The numerical value of the loanable line calculated in accordance with these Measures shall be reserved to thousands, and if it is not zero below thousands, it shall be increased to thousands by 1.
The loan amount applied by employees should be an integer multiple of 1 1,000 yuan.
Twentieth the purchase of commercial housing, commercial housing, affordable housing, the longest loan period is 30 years; The purchase of private housing, the longest loan period is 20 years; For the purchase of public housing property rights, the longest loan period is 10 year.
The sum of the employee's age and the loan application period shall not exceed 5 years after the statutory retirement age (unless otherwise stipulated by the state, it shall not exceed 5 years after the extension of retirement age, and the longest shall not exceed 70 years old).
Article 21 The loanable period and amount of housing provident fund loans shall be determined according to the date when the loan bank submits the application to the municipal housing provident fund management center.
Twenty-second housing provident fund loan interest rates in accordance with the relevant provisions of the state.
Twenty-third housing provident fund loans shall not be issued to employees who purchase third or above houses.
Chapter IV Loan Guarantee
Article 24 Employees shall provide guarantees in accordance with the following provisions:
(a) the purchase of commercial housing that has obtained the commercial housing use license (or the developer's house ownership certificate, the same below) can be mortgaged, guaranteed or pledged.
(II) If the sum of the employee's age and the loan application period exceeds the statutory retirement age (if it is otherwise stipulated by the state, it can be extended beyond the extended retirement age or at least 65 years old) or the commercial housing, price-limited commercial housing, affordable housing, private property housing and public housing property rights are purchased without obtaining a commercial housing permit, the guarantee or pledge guarantee method shall be adopted.
Twenty-fifth the use of housing mortgage guarantee, the purchase of commercial housing has obtained a permit for the use of commercial housing, it should be used as collateral for the purchase of housing. The mortgaged house shall not be used for mortgage guarantee.
The borrower (and other property owners and buyers) shall sign a written mortgage contract with the loan bank and go through the mortgage registration formalities according to law.
The present value of the mortgaged house is confirmed according to the lower of the total purchase price or the appraised value of the house. The maximum mortgage value shall not exceed 70% of the present value of the mortgaged house.
During the mortgage period, the mortgagor shall properly keep the mortgaged house, and be responsible for repairing, maintaining and ensuring its integrity. When the collateral is lost or announced, the mortgagor shall notify the loan bank in time, and handle the loan repayment in advance or change the collateral. After the Mortgagor informs the transferee that the house has been mortgaged, with the written consent of the Municipal Housing Provident Fund Management Center and the loan bank, the Mortgagor can transfer and lease the own part of the own house and the * * * own real estate, and pay off the loan to the loan bank in advance with the proceeds from the transfer. The loan bank shall supervise and inspect the condition of the collateral.
Twenty-sixth the use of pledge, employees should take treasury bonds, loan bank deposit certificates and other securities recognized by the city housing provident fund management center and loan banks as collateral.
The pledgor shall sign a written pledge contract with the loan bank, and the pledge amount shall not be less than the principal and interest of the loan amount.
Twenty-seventh by way of guarantee, the borrower shall sign a written guarantee contract with the guarantor and loan bank entrusted by the municipal housing provident fund management center.
Chapter V Portfolio Loan
Twenty-eighth employees to apply for individual housing provident fund portfolio loans (hereinafter referred to as "portfolio loans"), must comply with these measures and the relevant provisions of the loan bank personal housing loans.
Twenty-ninth portfolio loans, bank personal housing loan amount determined by the lending bank, and the down payment shall comply with the provisions of Article fourteenth of these measures.
Thirtieth portfolio loans, bank personal housing loans should be the same as housing provident fund loans.
Thirty-first loans with the same portfolio should adopt the same guarantee method.
Article 32 If the borrower of a portfolio loan violates the loan contract and fails to repay the principal and interest of the loan, the loan bank shall dispose of the collateral or require the guarantor to perform the guarantee responsibility in accordance with the provisions. When paying off the loan principal and interest, the housing provident fund loan principal and interest should be repaid before the loan bank's personal housing loan principal and interest.
Chapter VI Loan Application and Repayment
Thirty-third employees applying for housing provident fund loans need to submit a written application to the loan bank, and truthfully provide the loan application materials to the loan bank in accordance with the provisions of the municipal housing provident fund management center and the loan bank.
Article 34 The borrower shall repay the principal and interest of the loan according to the repayment method agreed in the loan contract.
Article 35 If the term of the loan is less than one year (including one year), the repayment method of repaying the principal and interest in one lump sum at maturity and clearing the interest with the principal shall be implemented.
If the loan term is more than one year, the principal and interest of the loan will be repaid in monthly installments. The borrower can repay the loan through the average capital or other means of equal principal and interest agreed by the municipal housing provident fund management center and the loan bank.
Once the repayment method agreed by the borrower and the loan bank in the loan contract is determined, it shall not be changed.
Article 36 The borrower enters the repayment period from the month following the bank transfer date, and the monthly repayment date is the corresponding date of the bank loan issuance date. The borrower shall entrust the municipal housing provident fund management center and the loan bank to withhold the loan on the monthly repayment date and repay the loan on a monthly basis.
Thirty-seventh borrowers to repay the principal and interest of housing provident fund loans in advance, should apply to the city housing provident fund management center, and after the consent of the city housing provident fund management center. To repay the principal and interest of individual housing loans in portfolio loans in advance, an application shall be made to the loan bank, and it shall be handled with the consent of the loan bank.
Article 38 A borrower may repay all or part of the loan principal and interest in advance.
Thirty-ninth borrowers in the loan period, to cooperate with the city housing provident fund management center and the loan bank to check the use of loans.
Fortieth after the borrower pays off the principal and interest of the loan, if the borrower uses mortgage guarantee or guarantee guarantee, it shall go through the formalities of canceling the mortgage; In the case of pledge guarantee, the lending bank will return the pledged securities to the borrower.
Forty-first specific information and procedures for housing provident fund loans shall be formulated by the municipal housing provident fund management center and announced to the public.
Chapter VII Legal Liability
Forty-second to obtain housing provident fund loans or increase the loan amount with false information such as house purchase and marriage, the municipal housing provident fund management center shall order the illegal loan amount to be returned within a time limit, and shall be punished according to the Regulations of Tianjin Municipality on the Administration of Housing Provident Fund; If it is not returned within the time limit, the municipal housing provident fund management center may apply to the people for compulsory execution.
Forty-third borrowers have one of the following circumstances, the city housing provident fund management center has the right to ask the loan bank to stop issuing loans or recover all loans in advance:
(1) The borrower conceals the real situation by fraudulent means and provides false certification materials;
(2) The guarantor violates the guarantee contract or loses the ability to bear joint and several liabilities, and the collateral is impaired or damaged, which is enough to pay off the loan principal and interest, and the pledge is obviously reduced, which affects the lender's realization of the pledge right, while the borrower fails to implement the new guarantee or new mortgage (pledge) as required;
(3) Failing to use the loan for the purpose specified in the loan contract;
(4) Without the consent of the lender, the borrower mortgages, pledges, sells, transfers, donates or repeatedly mortgages the property or rights;
(five) the borrower refuses or obstructs the lender to supervise and inspect the use of the loan;
(six) due to other reasons of the borrower, the loan repayment is affected or the interests of the loan bank are damaged;
(seven) other circumstances agreed by the loan bank and the borrower.
Article 44 If the borrower uses the loan for other purposes, the lending bank has the right to charge interest on the misappropriated part according to the regulations of the People's Bank of China.
Article 45 If the borrower fails to repay the loan principal and interest as agreed in the loan contract, the overdue part shall be charged with interest according to the relevant regulations of the People's Bank of China.
Article 46 If the borrower fails to repay the loan principal and interest on time for three consecutive months or six cumulative months, and the borrower dies, is declared missing or emigrates before the termination of the loan contract, and his legal successor or legatee refuses to pay the loan principal and interest or is unable to pay the loan principal and interest, the loan bank has the right to dispose of the collateral, pledge or require the guarantor to bear joint and several liability for guarantee.
Article 47 If a loan bank mortgages property or pledge according to relevant regulations, the proceeds shall be distributed in the following order:
(1) Paying auction fees for collateral and other expenses for handling collateral or related expenses for handling collateral;
(2) Deducting the tax payable on the mortgaged property;
(three) to return the principal and interest of the housing provident fund loan owed by the borrower and pay the liquidated damages;
(four) compensation for the damage caused by the borrower's breach of contract to the city housing provident fund management center and the loan bank;
(5) The balance shall be returned to the mortgagor or pledger.
When the amount obtained from the disposal of collateral or pledge is insufficient to pay the loan principal and interest, liquidated damages and compensation, the lending bank has the right to recover from the borrower for the insufficient part.
Chapter VIII Supplementary Provisions
Article 48 When a loan contract needs to be dissolved or changed within the repayment period, it must be agreed by both the borrower and the borrower through consultation. If the guarantee method is adopted, a change contract must be signed according to law after obtaining the consent of the guarantor. Before the change contract is reached, the original loan contract is still valid.
Article 49 When it happens, it shall be settled through consultation. If negotiation fails, the parties may apply to the Arbitration Commission for arbitration or bring a lawsuit to the people's court.
Article 50 For the construction, renovation and overhaul of self-owned housing, the loan conditions, quota calculation, term and interest rate for applying for housing provident fund loans are the same as those for purchasing public housing.
For the construction, renovation and overhaul of self-owned housing, mortgage guarantee, guarantee guarantee or pledge guarantee can be used to apply for housing provident fund loans, and other self-owned housing can be used as collateral. Other provisions of the loan guarantee are consistent with the purchase of self-owned housing.
Fifty-first city housing provident fund management center should actively realize the information networking with housing management, civil affairs, loan banks and other institutions, promote online loan application and repayment business, and provide simple and efficient services for employees to apply for housing provident fund loans.
Fifty-second Hong Kong, Macao and Taiwan compatriots and foreigners who are employed in this Municipality shall apply for housing provident fund loans in accordance with these measures and relevant regulations.
Article 53 These Measures shall come into force on February 1 day, 2024, and shall be abolished on February 1 day. Measures for the Administration of Individual Housing Provident Fund Loans in Tianjin (No.8 [2009] of Tianjin Provident Fund Committee), Notice on Adjusting the Credit Auditing Standards for Employees of Individual Housing Provident Fund Loans (No.012 of Tianjin Provident Fund Committee) and Notice on Adjusting the Policies Related to Early Repayment of Housing Provident Fund Portfolio Loans (No.8 [2009] of Tianjin Provident Fund Committee) Notice on Loan-related Policies (Notice of Tianjin Provident Fund Committee [20 109] on Adjusting Policies Related to Individual Housing Provident Fund (Portfolio) Loans (No.5 of Tianjin Provident Fund Committee [2016]) and Notice on Adjusting the Down Payment Ratio of Individual Housing Provident Fund (Portfolio) Loans. The Notice on Adjusting the Down Payment Ratio of Individual Housing Provident Fund (Portfolio) Loans (J.F.F.C.F. [2017] No.5) shall be abolished as of the date of implementation of these Measures.
How much can Tianjin housing provident fund borrow at most?
The maximum loan amount of housing provident fund shall not exceed 70% of the total purchase price.
Provident fund loan amount
1, personal provident fund loan amount
(The total monthly salary of the borrower and the monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan × loan period (month)
2, the use of spouse provident fund loan amount
(Total monthly salary of both husband and wife, monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife× loan period (month)
The repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of provident fund ÷ (the proportion of unit contribution and individual contribution).
3, the loan amount of housing price calculation
Loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans.
Extended data
Process of applying for housing provident fund loan
I. Submission of information
When the borrower applies for a provident fund loan in the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide the guarantee, it shall submit all the materials required for the individual to apply for the loan, including ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.
Second, the audit notice
After the loan application has passed the preliminary examination, the management department will issue the Notice of Examination of Guarantee Application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit the personal loan information to the guarantee center.
Three. agree
The guarantee center examines the guarantee application. If the borrower meets the guarantee conditions, the guarantee center issues the approval letter for the guarantee application. If the borrower entrusts an intermediary agency to provide provident fund loans, the intermediary agency is responsible for handling the guarantee application procedures and collecting the guarantee service fee.