Amount and duration of Jinan provident fund loan
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. The following is a compilation of the relevant contents of the loan amount and term of Jinan provident fund for your reference only, hoping to help you!
loan limit
The loan amount of housing provident fund is not more than 500,000 yuan per household, and the minimum loan amount is not less than 1 10,000 yuan. The maximum amount of housing provident fund loans for employees' families who have paid the housing provident fund by one person shall not exceed 250,000 yuan (the maximum amount of loans for Zhangqiu, Pingyin, Jiyang and Shanghe is 200,000 yuan). The maximum amount for employees' families who have paid housing provident fund for two or more people to apply for provident fund loans is 500,000 yuan (400,000 yuan for Zhangqiu, Pingyin, Jiyang and Shanghe). The loan amount is not higher than 70% of the total price of the purchased commercial house or the appraised price of the second-hand house.
Housing provident fund loan amount is:
Provident fund loan amount = 15 times the borrower and the balance of the borrower's provident fund account.
deadline
The longest loan for housing provident fund is not more than 30 years, and the loan period plus the borrower's age is not more than 65 years, that is, the loan period is 65 (male)-the current year, and the loanable period is 60 (female)-the current year.
Except for the spouse, the age of the repayment partner and guarantor plus the number of years of applying for the loan shall not exceed 65 for men and 60 for women.
The sum of the age of second-hand houses and the loan period shall not exceed 50 years.
Detailed explanation of the calculation formula of Jinan housing provident fund loan amount
1, calculation formula of provident fund loan amount:
Loan amount of housing provident fund = sum of the balance of housing provident fund paid by the borrower and * * * same borrower × 15.
2, at the same time shall not exceed the prescribed housing provident fund loan limit:
(1) The loan amount shall not be higher than the proportion agreed in the total price of the mortgaged house;
(2) The maximum amount for employees' families who have paid the housing provident fund to apply for housing provident fund loans shall not exceed 250,000 yuan (the maximum amount for implementing loans in Zhangqiu, Pingyin, Jiyang and Shanghe is 200,000 yuan). The maximum amount for employees' families who have paid housing provident fund for two or more people to apply for provident fund loans is still 500,000 yuan (400,000 yuan for Zhangqiu, Pingyin, Jiyang and Shanghe).
3. If the borrower is an unmarried, divorced, widowed or other single employee or spouse who has not paid the housing provident fund, and provides the borrower with a repayment partner who has paid the housing provident fund normally, the loanable amount can be handled by two or more families who have paid the housing provident fund. Before the loan is paid off, the repayment party cannot apply for a housing provident fund loan.
Second, how much can Jinan 1 10,000 provident fund borrow?
1, Jinan Provident Fund 1 The maximum loan amount is 400,000, and the maximum loan amount for each household is 700,000. Credit line of provident fund loan = sum of balance of housing provident fund deposit account of the borrower and the same borrower ××15. Therefore, the balance of 10000 yuan provident fund deposit can be loaned to 15000 yuan.
2. The total loan term shall not exceed 30 years; The age of the lender plus the loan period shall not exceed 70 years; The loan period plus the building age, the brick-concrete structure shall not exceed 47 years and the mixed structure shall not exceed 57 years.
3. How much can I borrow from the fund balance of Jinan15,000 yuan?
The balance of Jinan's provident fund is 1.005, and you can borrow 200,000 yuan.
According to the State Council's Regulations on the Management of Housing Provident Fund and the Notice on Further Strengthening the Management of Housing Provident Fund, all housing provident funds of units under the jurisdiction of cities with districts are subject to territorial management.
The provincial government has determined that the housing provident fund of all units within the administrative area of Jinan is directly managed by the Jinan Housing Provident Fund Management Center.
The Regulations of Jinan Municipality on Provident Fund are as follows:
Article 1 In order to strengthen the management of housing provident fund and safeguard the legitimate rights and interests of the owners of housing provident fund, these Measures are formulated in accordance with the Regulations of the State Council Municipality on the Management of Housing Provident Fund (hereinafter referred to as the Regulations) and relevant laws and regulations, and combined with the actual situation of this Municipality.
Article 2 Payment of housing accumulation fund within the administrative area.
Article 3 State organs, institutions, enterprises, private non-enterprise units, social organizations (hereinafter referred to as units) and their employees at all levels within the administrative area of this Municipality shall pay the housing accumulation fund according to law.
Article 4 Jinan Housing Provident Fund Management Committee (hereinafter referred to as the Provident Fund Management Committee) is the decision-making body for housing provident fund management in this Municipality.
Jinan Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center) is specifically responsible for the management and operation of housing provident fund within the administrative area of this Municipality.
Provident fund center can set up branches in qualified counties (cities) according to the needs of work and the principle of streamlining efficiency.
4. Jinan Gangcheng District Provident Fund has paid 10000 yuan. How much can I borrow?
can