When buying a house to apply for provident fund loans, it is necessary to determine the amount of provident fund loans to ensure that provident fund loans can meet their own loan needs. If you apply for a provident fund loan in Xuzhou, what is the amount? According to the housing provident fund loan policy of Xuzhou City, the maximum amount for employees in Xuzhou City (including tongshan district) to apply for housing provident fund loans unilaterally is 500,000 yuan, and the maximum amount for employees to apply for housing provident fund loans is 700,000 yuan.
The loan condition of Xuzhou provident fund is 1, and employees who have paid the provident fund continuously, fully and normally for 6 months or more; 2. Buy self-occupied housing; 3. Employees' personal credit status is good. Information required for handling provident fund loans: 1. Commercial housing sales contract (original); 2.30% or more down payment invoice (original); 3. The valid identity cards of the borrower, the borrower and the property owner (original); 4. The borrower, * * * the borrower and the property owner * * * have permanent residence or legal and valid residence certificate (original); 5. Proof of marital status (marriage certificate, divorce certificate or divorce judgment), and single employees must sign a single declaration statement at the counter; 6. Personal income certificate (except for employees who normally pay provident fund in this center) (3 originals); 7. Personal credit report (original 1 copy); 8. Bank card (Class I). Xuzhou provident fund loan processing flow 1, employees bring loan materials to the sales department or management department counter where the house is purchased; 2, workers with the provident fund center for approval of the loan approval form to the entrusted loan bank to sign a loan contract; 3. The employee guarantees the company with the loan approval form and relevant loan materials to handle the guarantee procedures for provident fund loans; 4, workers with loan information to the property right office for housing property mortgage procedures; 5. Apply for a loan from the guarantee company with the mortgage procedure; 6. Entrust the lending bank to issue loans.
Two, Xuzhou City, Jiangsu Province provident fund housing loan period
Seventeenth the borrower's loan period plus the actual age shall generally not exceed the statutory retirement age. The term of the provident fund loan shall not exceed 30 years, and shall not exceed the remaining service life of the purchased house. The specific loan term is determined by the provident fund center according to the borrower's conditions.
3. Xuzhou housing accumulation fund is paid monthly 168. What is the maximum loan amount of provident fund?
The provident fund loan must be paid in full for more than 12 months, and the provident fund inquiry table shows that the account is normal.
1, loanable amount = 40% (monthly salary paid by the company)-repayment in other months 12 loan period.
Monthly salary = monthly payment/(individual deposit ratio unit deposit ratio)
2. The loan amount of individual housing provident fund shall not be higher than 10 times of the balance of housing provident fund account when employees apply for loans. If the balance of the housing provident fund account is less than 1 10,000 yuan, it shall be calculated as 1 10,000 yuan.
Two ways of low-interest loans.
The maximum loan amount of the provident fund is 400,000, and those who have supplementary provident funds can borrow up to 500,000.
4. How much can Xuzhou Provident Fund deposit base of 4250 be loaned?
The loan amount of Xuzhou provident fund is determined according to the deposit time and deposit base of individual provident fund. The higher the deposit base, the higher the loan amount, which is also related to factors such as repayment ability.
Taking the deposit base of 4,250 yuan as an example, if the deposit time exceeds 1 year, the total loan is equivalent to about 30% of the balance of your own provident fund account, which is about 1.275 yuan. If the deposit time exceeds 3 years, the loan amount can reach about 60% of the balance of the provident fund account, which is about 2550 yuan. If you need a house loan, the loan amount is determined according to local policies and regulations, and the general provident fund portfolio loan can lend more money.