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.
How much can I borrow for a 2.08 million house in Wenzhou? How much can the housing provident fund of 2.08 million be loaned?
If you are going to choose a house in Wenzhou, how much is the down payment for a house of 2.08 million yuan? How much is the monthly payment?
The current high housing prices make many people just want to stop. Nowadays, many people have the need to choose a house, but they are unable to choose a house in full, so people choose to choose a house with a personal housing loan. Because the loan policies in different regions are different, it is necessary to master the local real estate policies, because only in this way can the funds on hand be arranged reasonably and used correctly. If you are going to choose a house in Wenzhou, how much is the down payment for a house of 2.08 million yuan? How much is the monthly payment? Let me show you the relevant information below!
For the purchase of the first house property, the down payment ratio of commercial loans shall not be less than 30% of the total house price, that is, 208000030%= 1456000 yuan, and the longest loan period shall be 30 years; Provident fund loans, the maximum loan ratio can reach 80%, the maximum loan amount is 600,000 yuan, and the longest loan period is 30 years.
If it is a second suite, it is not less than 50% of the appraised house price, that is, a house with a total house price of 2.08 million yuan, with a down payment of 208,000,050% = 65,438+0,040,000 yuan; If the provident fund loans the second suite, the maximum loan amount is 600,000.
Regarding the down payment and monthly payment for choosing a house in Wenzhou, if you are going to buy a 2.08 million house in Wenzhou, you should make full financial preparations. The down payment is not a small expense, and the monthly payment should be calculated. Will it affect your quality of life in the next few years or even decades? The above is the content of the Wenzhou housing loan I provided for you. I hope it will help you!
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: the down payment for the first suite dropped to 20%
On May 30, according to the official micro-signal "Wenzhou Release", in order to promote the stable and healthy development of the real estate market, taking into account the policy of ensuring housing demand and "staying and not speculating", Wenzhou City issued a package of policies to support the people's rigid housing demand.
In terms of provident fund loans, in order to support the rigid housing needs of employees, the New Deal has increased its support for housing provident fund loans. During the implementation of the policy, employees who paid the housing provident fund purchased the first family housing, and the maximum loan amount for a single person increased by 6.5438+0.5 million yuan, and the maximum loan amount for husband and wife increased by 300,000 yuan. Taking the urban area as an example, after adjustment, the maximum repayment amount for a single person can reach 650,000 yuan, and the maximum repayment amount for a couple can reach 6,543.8+0,000 yuan.
At the same time, the deposit time limit multiple in the calculation method of housing provident fund loan amount has also changed accordingly. Among them, the cardinal number is increased from 4 times to 5 times, and the highest multiple is increased from 10 times to 1 1 times. If an employee's family purchases, builds, rebuilds or overhauls the first self-occupied housing and applies for a personal housing provident fund loan, the minimum down payment ratio will be reduced from 30% to 20%; If the second suite applies for individual housing provident fund loans, the minimum down payment ratio will be reduced from 50% to 40%.
In addition, if the paid employees apply for renting without a house to withdraw the housing provident fund, the monthly withdrawal amount will be increased from the previous highest 1.200 yuan to 1.400 yuan.
In order to reduce the burden of personal housing consumption, the New Deal also reduced the down payment of personal first-home commercial loans to 20%. According to the New Deal, if a family in Wenzhou purchases ordinary commercial housing or second-hand housing for the first time and applies for a commercial loan, the minimum down payment ratio is 20%. The minimum down payment for commercial personal housing loans to buy a second home is 30%.
At the same time, Wenzhou will encourage banks to further reduce the interest rate of the first set of housing loans just needed by households, and strengthen the issuance of commercial housing mortgage loans with more favorable interest rates and faster speed, so that the interest rate of housing loans will remain low in the whole province and even the Yangtze River Delta region.
It is worth mentioning that in order to implement the differentiated housing credit policy, at present, the first set of preferential policies for purchasing ordinary housing is implemented for households who have no housing in this city but have settled their housing loan records, or households who have 1 house in this city but have not settled their housing loan records, or households who have 1 house in this city but have settled their housing loans.
In addition, the New Deal proposes to continue to strengthen real estate risk monitoring and early warning. In order to protect the rights and interests of property buyers, Wenzhou Housing and Construction Department will promptly investigate the risk of financing default and formulate a plan to prevent and resolve risks. At the same time, further tighten the supervision responsibility of commercial housing pre-sale funds to ensure that the funds in the supervision account are used for engineering construction. Financial institutions that open accounts should also carry out risk compliance self-inspection and implement the main responsibility of pre-sale fund accounts supervision.
In addition, in order to effectively protect the relevant rights and interests of buyers, Wenzhou will implement a series of measures to benefit the people, such as flexibly adjusting mortgage repayment arrangements for buyers who have lost their livelihood due to the epidemic, including reasonably delaying the repayment period and not submitting overdue records.
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 Wenzhou 20 thousand provident fund loan?
The maximum loan amount of Wenzhou's 20,000 provident fund is 400,000.
Usually, the maximum amount of personal provident fund loan is about 20 times of 10- the amount of memory in the provident fund account. The specific demand is determined according to the borrower's repayment ability, housing provident fund account quota, loan quota and the proportion of provident fund loans to house prices.
This concludes the introduction of Wenzhou provident fund loan quota and the calculation formula of Wenzhou provident fund loan quota. I wonder if you found the information you need from it?