The maximum amount of personal provident fund loan for the first suite in Nanhai District of Foshan City shall not exceed 300,000 yuan. On March 3 1, Foshan Housing Provident Fund Management Center issued a notice on adjusting the mortgage loan policy of housing provident fund, and adjusted the loan amount and the standard of issuing objects.
The adjustment measures of the first home provident fund loan amount in Nanhai District of Foshan City include three aspects.
First, non-residential loans are not issued, and housing loans are limited in area. /kloc-Large-sized products over 0/44 square meters cannot be loaned.
Second, the maximum amount of personal loans was reduced from 500,000 to 300,000.
The third is to adjust the criteria for determining the number of housing units, and stop issuing loans to employees' families (including borrowers, spouses and minor children, the same below) who already own two houses. As long as there are outstanding provident fund loans under the names of employees' family members, they may not apply again.
The maximum amount of personal loans is reduced from 500,000 to 300,000, and the maximum loan amount is determined according to the available amount of Foshan housing provident fund. If the accumulated housing provident fund is paid in full and on time 1 year (inclusive) but less than 2 years (exclusive), the maximum personal loan amount shall not exceed 200,000 yuan.
If the housing provident fund is paid in full and on time for more than 2 years (inclusive) and less than 3 years (exclusive), the maximum personal loan shall not exceed 250,000 yuan; If the housing provident fund is paid in full and on time for more than 3 years (inclusive), the maximum personal loan amount shall not exceed 300,000 yuan. If the loan is still insufficient and the individual has the repayment ability, he can also apply for a portfolio loan (housing provident fund loan commercial loan).
What is the loan amount of Foshan provident fund?
Legal analysis: the maximum loan amount does not exceed 600,000 yuan. Loan amount: monthly deposit amount of housing provident fund × 12× future balance of individual account of housing provident fund )× 2 If the loan amount is less than 300,000 yuan, the maximum loan amount of housing provident fund shall be approved at 300,000 yuan on the premise of sufficient repayment ability of individuals. The loan amount of housing provident fund is generally determined by the applicant's (and his spouse's) housing provident fund deposit amount, deposit ratio, deposit time, purchase amount, loan term, repayment ability and other factors, and the actual loanable amount is subject to the final approved amount of the management office. Most cities have stipulated the maximum amount of a single housing provident fund loan, which generally does not exceed 80% of the total housing price. The loan amount of housing provident fund can only be determined by comprehensive calculation. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount. The calculation methods of provident fund loans vary from place to place. The specific calculation method and the maximum amount should be combined with the local housing provident fund loan policy.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-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 to calculate the loan amount of Foshan provident fund? Foshan housing provident fund loan amount in 2022
Employees who purchase houses in Foshan and meet the application conditions for provident fund loans can apply for provident fund loans from the entrusted banks, and calculate the loanable amount according to procedures.
Foshan housing provident fund loan amount:
1. Determine the maximum loan amount according to the available amount of Foshan housing provident fund.
(1) Accumulated housing accumulation fund paid in full and on time 1 year (inclusive) but less than 2 years (exclusive), with the maximum personal loan not exceeding 200,000 yuan.
(2) The accumulated housing accumulation fund has been paid in full and on time for more than 2 years (inclusive) and less than 3 years (exclusive), and the maximum personal loan is no more than 250,000 yuan.
(3) The accumulated housing accumulation fund has been paid in full and on time for more than 3 years (inclusive), and the maximum loan amount does not exceed 300,000 yuan.
Note: If the loan is still insufficient and the individual has the repayment ability, he can apply for a combined loan (housing provident fund loan commercial loan).
Two, in accordance with the central bank's personal housing loan management, "the maximum amount of housing provident fund loans shall not exceed twice the amount of housing provident fund paid by the borrower's family members within the retirement age" principle to determine the loan amount.
That is: (the current detailed balance of housing provident fund to the housing provident fund that the borrower should pay when retiring) ×2.
The housing provident fund to be paid for cancellation from the current month to retirement = the monthly average of the housing provident fund paid from the current month to the first half of the year (6 months) × the number of months from the current month to retirement. Retirement time is calculated at 60 years old.
(3) When employees apply for loans, they must have paid a down payment of not less than the amount stipulated by laws and regulations, that is, the loan amount cannot exceed the total house price minus the down payment, and the construction, renovation and overhaul of houses should also be handled according to this principle.
4. According to the Guidelines on Risk Management of Commercial Banks' Real Estate Loans issued by CBRC, the ratio of borrowers' monthly real estate expenditure to income should be controlled below 50%, and the ratio of monthly debt expenditure to income should be controlled below 55%.
The calculation formula of the ratio of real estate expenditure to income is: monthly repayment amount/monthly income of the loan.
That is, the loan amount ÷ the interest payable for several months during the loan period cannot be greater than 50% of the income.
The calculation formula of all debt-to-income ratio is: (monthly repayment amount of this loan and other debts)/monthly income.
That is: loan amount ÷ interest payable for several months during the loan period. The monthly repayment of other debts cannot be greater than 55% of income.
The term "income" as mentioned in these Measures shall be based on the individual wage base declared and registered by the housing provident fund deposit unit.
The approval of the loan amount also includes setting the loan amount in points (1) to (4) above, whichever is lower.
Let's stop here for the introduction of Foshan provident fund loan quota.