165438+ 10/2 According to the official account of "Jinan Provident Fund" WeChat, Jinan Housing Provident Fund Center issued the Notice on Adjusting the Loan Amount of Housing Provident Fund (hereinafter referred to as the Notice). The "Notice" mentioned that the maximum amount of housing provident fund loans in Jinan will be adjusted, and the maximum loan amount of employees' families who pay housing provident fund by one person will be raised from 350,000 yuan to 500,000 yuan.
The "Notice" stipulates that the first set of ordinary self-occupied houses should be purchased in the administrative area of Jinan City to apply for housing provident fund loans, and the maximum loan amount for employees' families who have paid housing provident fund per person will be raised from 350,000 yuan to 500,000 yuan, and the maximum loan amount for employees' families who have paid housing provident fund for two or more people will be raised from 700,000 yuan to 800,000 yuan.
In addition, the Notice clarifies that the implementation of the above policies shall be based on the time of online signing of houses, and the online signing after 2022 1 14 shall be implemented according to the new policy. The policy is valid for 1 year.
The detailed rules for implementation are announced. From 65438+ 10/0, the maximum loan of housing accumulation fund for Jinan multi-child families is 1 10,000 yuan.
June 65438+1October 10 According to the Implementation Plan of Optimizing Birth Policy in Jinan to Promote Long-term Balanced Population Development, Jinan Provident Fund Center has formulated the detailed rules for the implementation of the housing provident fund policy for families with two or more children.
Detailed rules for the implementation of housing provident fund policy for families with two or more children
According to the Implementation Plan of Optimizing the Birth Policy in Jinan to Promote the Long-term Balanced Development of the Population, the detailed rules for the implementation of the housing provident fund policy for families with two or more children are formulated.
First, housing provident fund loans.
1, condition recognition
A family with two or more children refers to a family that has given birth to or adopted two or more children (the number of existing children) according to national policies.
2. Relevant loan policies
If two children apply for housing provident fund loans to purchase the first set of self-occupied housing, the maximum loanable amount of the employee's family who paid the housing provident fund per person will be raised to 600,000 yuan, and the maximum loanable amount of the employee's family who paid the housing provident fund for two or more people will be raised to 900,000 yuan; For workers' families with three or more children who apply for housing provident fund loans to buy the first set of self-occupied housing, the maximum loan amount for workers' families who pay housing provident fund per person will be raised to 600,000 yuan, and the maximum loan amount for workers' families who pay housing provident fund for two or more people will be raised to 6,543,800 yuan.
3. Application materials and processing requirements
(1) Resident ID card, household registration book, birth medical certificate, adoption registration certificate, judgment, etc. This can prove the relationship between children.
(2) Other matters concerning provident fund loans shall be handled in accordance with the Measures for the Administration of Personal Housing Provident Fund Loans in Jinan and the Operating Rules for Personal Housing Provident Fund Loans in Jinan.
4. Handling place
No.386, Qi Jing Road, Qi Jing Road Branch, China Construction Bank
Jida Road, Baotuquan Sub-branch, Industrial and Commercial Bank of China 1 1
No.256, Jason Wu Road, Luoyuan Branch, Agricultural Bank of China
No.28 Baliwa Road, Quancheng Branch, Bank of China
No.249, Qi Jing Road, Shizhong Branch of Bank of Communications
Postal Savings Bank of China Lixia Branch Heihuquan West Road 18 1
Zone 4, Hanyu Financial Business Center, No.7000 Jingshi Road, Jinan Branch of China Merchants Bank 1 Building
No. Heihuquan Road 139, Personal Credit Department, Jinan Branch, Shanghai Pudong Development Bank
No. Shunhe Street 176, Retail Banking Department of Qilu Bank Head Office
No. Luoyuan Street 150, Personal Loan Center of China CITIC Bank Jinan Branch
No. Liu Changshan Road 16, Yangguangxin Road, Shizhong Branch of China Everbright Bank.
Zone 6 1 Building of Hanyu Jingu Business Center, No.7000 Jingshi Road, Jinan Branch of Industrial Bank
Zhongrun Century Plaza1No.3777, Jinan Branch of Ping An Bank
Shungeng Mountain Villa, No.28 Shungeng Road, Jinan Branch of Minsheng Bank
Huaxia Bank Jiefang Road Branch No.62 Jiefang Road
No.71Jingqixiaoweier Road, Jingqilu Sub-branch, hengfeng bank
Laiwu Service Hall No.0/KLOC-0, Wenhua North Road, Laiwu District
Gangcheng Service Hall, 2nd Floor, Gangcheng Government Affairs Service Center, No.29 Fu Qian Street, Gangcheng District
Second, the housing provident fund extraction
1, condition recognition
A family with two or more children refers to a family that has given birth to or adopted two or more children (the number of existing children) according to national policies.
2. Relevant extraction policies
Families with two children and above who have no self-owned housing or rented housing in our city can withdraw the housing provident fund according to the actual rental expenses.
3. Application materials
Resident identity card, residence booklet, birth medical certificate, adoption registration certificate, judgment, etc. , can prove the relationship between children, housing rental registration certificate issued by the housing management department, housing rental invoice, a settlement account under the name of the employee.
4. Withdrawal amount and frequency
Employees can return once a year, and the time interval from the last rental category needs one year. The total amount withdrawn by both husband and wife shall not exceed the actual rental expenses (subject to the invoice amount of house lease).
5. Handling place
(1) Jinan government service housing provident fund hall (No.10 Jingshi Road, Lixia District 17099): Monday to Friday from 9: 00 to17: 00; Saturday and Sunday 9: 00- 12: 00, 13: 00- 17: 00.
(2) Fund window of Jinan Municipal Affairs Service Center (West Hall, 3rd floor, No.9 Zhanqian Road, Shizhong District): 9: 00-17: 00 from Monday to Friday; Saturday and Sunday 9: 00- 12: 00, 13: 00- 17: 00.
(3) Provident Fund Window of Government Affairs Service Center in High-tech Zone (2nd floor, No.750 Shunhua Road, High-tech Zone): Monday to Sunday from 9: 00 am to 12: 00 pm and from 13: 00 pm to 17: 00 pm.
(4) Laiwu Service Hall of Jinan Housing Provident Fund Center (3rd floor, Wenhua North Road 10, Laiwu District): Monday to Sunday, 8: 30 am-165438+0: 30 pm, 14:00- 17:30.
(5) Gangcheng Service Hall of Jinan Housing Provident Fund Center (2nd floor of Gangcheng Administrative Service Center, No.29 Fu Qian Street, Gangcheng District): Monday to Sunday, 8: 30 am-165438+0: 30 pm, 14:00- 17:30.
Three, these rules shall be interpreted by the Jinan Housing Provident Fund Center.
Four, these rules shall come into force as of the date of promulgation.
Ji' nan housing fund center
65438+20231October 10
Ji 'nan Provident Fund Loan Line 2022
1. The loan amount of housing provident fund shall not be higher than the maximum loan amount approved by the housing provident fund management committee.
2. The loan amount of housing provident fund shall not be higher than the remaining purchase price after the down payment. At the same time not higher than the loan formula.
In addition, it is not higher than the borrower's repayment ability.
3. Maximum loan amount. At present, there are two or more employees who have paid housing provident fund in the administrative area of Jinan, and the maximum loan amount of family provident fund loans is 600,000 yuan (500,000 yuan in Pingyin, Jiyang and Shanghe); The maximum loanable amount of the employee's family provident fund loan with one person paying the housing provident fund is 300,000 yuan (250,000 yuan in Pingyin, Jiyang and Shanghe).
Down payment ratio. At present, the minimum down payment ratio of the first set of commercial housing provident fund loans is 30%, and the minimum down payment ratio of the second set of commercial housing provident fund loans is 60%.
4. Article 26 of the Regulations on Housing Provident Fund Management stipulates that the housing provident fund management center shall make a decision on whether to grant or not to grant the loan within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
How much can Jinan provident fund 6000 loan?
The calculation basis of the loan amount of Jinan provident fund is the number of months, the deposit base and the annual interest rate of individual provident fund. Generally speaking, the amount of provident fund loans is directly proportional to the number of months and the deposit base, and inversely proportional to the annual interest rate.
Taking Jinan as an example, according to the Operating Rules for Housing Provident Fund Loans in Jinan issued on June 2019165438, the amount of provident fund loans is as follows:
1, with a maximum loan amount of 700,000 yuan;
2. Calculated according to the first suite, loan ratio:
-Deposit for 36 months or more, and the loan amount is calculated as (monthly deposit amount× loan term× loan interest rate) ÷10000;
-deposit 12 months to 36 months, and the loan amount is calculated as (monthly deposit amount × loan term × loan interest rate × 80%) ÷10000;
-If the deposit is less than 12 months, the loan will not be granted.
Among them, the upper limit of the deposit base is 15000 yuan/month. Suppose your provident fund deposit base is 6000 yuan/month, the deposit time is over 36 months, the loan term is 20 years, and the interest rate is 3.25%, then your maximum loan amount is about (6000 yuan ×240 months× 3.25%) ÷10000 ≈ 468,000 yuan.
It should be noted that the above is only a general calculation formula, and the actual loan amount needs to be calculated according to your personal situation. I suggest you go to the local housing provident fund management center or the relevant bank to consult and apply.
Jinan provident fund loan ceiling and Jinan provident fund loan ceiling have recently come to an end. I wonder if you found the information you need from it?