Notice of Datong Housing Provident Fund Management Committee on Adjusting Policies Related to Individual Housing Provident Fund Loans
According to the current housing provident fund loans in our city, the fifth plenary session of the second session of the Datong Housing Provident Fund Management Committee deliberated and adopted, and the housing in our city is now adjusted as follows:
The first is to adjust housing provident fund loans.
(a) the higher amount of housing provident fund loans is adjusted from 6,543,800 yuan to 800,000 yuan;
(two) to determine the loan amount and the borrower's deposit period:
The amount of provident fund loans with a normal deposit of more than 6 months and less than 1 year shall not exceed 1 10,000 yuan;
If the continuous normal deposit 1 year is less than 3 years (including 3 years), the loan amount of housing provident fund shall not exceed 300,000 yuan;
The amount of provident fund loans that have been paid normally for more than 3 years continuously shall not exceed 500,000 yuan;
The loan amount of housing provident fund shall not exceed 800,000 yuan;
(3) Single employees or only one of husband and wife has paid more than 600,000 yuan of housing provident fund continuously and normally. The above policies will be implemented as of June 6, 2020.
Second, simplify the loan business information.
Cancellation of the wage certificate in the loan information shall be based on the deposit base of the housing provident fund.
Datong Housing Fund Management Committee
2
Although the amount of provident fund loans has been lowered, we should not be unhappy. All the materials needed for the provident fund should be done to avoid running back and forth.
Second, how to calculate the loan period of the provident fund?
The latest news of Beijing second home loan interest rate in 2022
Since June 65438+1 October1day, Beijing has lowered the interest rate of the first individual housing provident fund loan. The interest rate for less than five years (including five years) will be reduced to 2.6%, and that for more than five years will be reduced to 3. 1%. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.
What is the term of housing provident fund personal housing loan?
The shortest term of general housing provident fund personal housing loan is 1 year, and the longest is 25 years. Specific to the individual should be combined with the age of the loan applicant and the remaining service life of the purchased house to determine:
(1) Calculate the loan period according to the age of the loan applicant, that is, 65 years old minus the applicant's age at the time of application;
(2) If you buy a second-hand house, you need to calculate the service life of the loan according to the remaining service life of the house, that is, the service life of the building (50 years for brick masonry and 60 years for steel concrete) minus the service life of the building and then minus 3 years.
The shorter of the above two years is determined as the longest loan term. For example, the applicant applied to Beijing Housing Provident Fund Management Center for a loan to buy a second-hand house. His age is 40 and his spouse is 45. The house he bought is a brick-concrete structure and has been used for 23 years. The loan term calculated by age is 25 years, the loan term calculated by the remaining service life of the purchased house is 24 years (50-23-3=24 years), and the longest loan term of the applicant is 24 years.
3. Is the five years in the latest provident fund policy the loan period or the purchase time?
Refers to the loan time.
It means that the annual interest rate of provident fund loans with a term of less than 5 years (inclusive) is 3.75%. If the total term of the provident fund loan you apply for is less than 5 years (inclusive), this interest rate will be adopted; The annual interest rate of provident fund loans for more than five years is 4.25%, which means that if your provident fund loans are more than five years, the monthly payment is calculated at 4.25%. However, the loan interest rate will be adjusted at the beginning of each year with the change of national policies.
Four, what are the provisions of the housing provident fund loan period?
Workers can withdraw housing provident fund without applying for provident fund loans. In addition to buying public houses, you can directly use the provident fund to offset the house payment, and you can apply for withdrawal only after you show your certificate. At the same time, there is a six-month processing period from the date when the employee's self-production certificate is issued. Those who fail to apply for withdrawal for more than six months shall be deemed to have given up automatically. When employees purchase houses and apply for housing loans, they can sign the "Power of Attorney for Withdrawing Housing Provident Fund and Returning Housing Loans" with the lending bank, and use the housing provident fund to offset the housing loans; If the employee settles the housing loan in advance (the housing provident fund is not used at the time of settlement), the balance of the housing provident fund account can be withdrawn at one time after settlement, and the employee has a three-month processing period from the date of settlement. Those who fail to apply for withdrawal for more than three months shall be deemed to have given up automatically.