On May 7, Yangzhou Housing Provident Fund Management Center issued a notice saying that the housing provident fund is used to support Yanglai to improve living conditions, train talents and give birth to families with two or more children.
According to the new media, according to the new regulations, families with talents and two or more children who apply for housing provident fund loans will be adjusted from 30% to 20% if they meet the application conditions.
In addition, families with two or more children (excluding two children) can apply for provident fund loans, which can be raised by 65,438+10,000 yuan and 200,000 yuan respectively on the basis of the maximum loan limit. Double employees apply for loans, and each person separately calculates the loan amount.
If both the borrower and the spouse meet the housing provident fund loan conditions, the maximum family loan amount shall be calculated according to the party with higher talent level and shall not exceed the corresponding multiple of the maximum loan amount of Yangzhou dual employees. This talent support policy will be implemented until June 65438+February 3, 20221.
Six types of talents, such as national talents, provincial talents and municipal talents, recognized by the municipal industry authorities have obtained doctoral students, master students, bachelor's degrees or corresponding degrees, applied for housing provident fund loans and met the application conditions. The maximum individual loan amount shall not exceed 4 times, 3.5 times, 3 times, 2 times, 1.5 times and 1.2 times the maximum individual employee loan amount in Yangzhou.
Yangzhou adjusts the loan amount of housing provident fund: the maximum amount of double-paid employees is 600,000 yuan.
On April 27th, it was learned from Yangzhou Housing Provident Fund Management Center in Jiangsu Province that Yangzhou recently issued the Notice on Adjusting the Maximum Amount of Housing Provident Fund Loans (hereinafter referred to as the Notice).
The "Notice" mentioned that in order to promote the steady and healthy development of Yangzhou real estate market and better meet the needs of employees' families to purchase the first or second set of improved self-occupied housing loans, the maximum amount of Yangzhou housing provident fund loans was adjusted.
According to the new regulations, the maximum amount of double-paid employee housing provident fund loans is adjusted from 500,000 yuan to 600,000 yuan, and the maximum amount of single-paid employee housing provident fund loans is adjusted from 300,000 yuan to 360,000 yuan.
It is reported that the "Notice" has been implemented since April 24, 2022, and the housing provident fund loans accepted before April 24, 2022 are still implemented according to the original policy.
Yangzhou last raised the amount of provident fund loans at 20 19. On 20 1918, Yangzhou Housing Provident Fund Management Center issued the Notice on Restoring the Maximum Loan Limit of Housing Provident Fund, which pointed out that in order to give full play to the role of housing provident fund, help urban low-and middle-income workers solve their housing difficulties and support the rigid housing demand, from June 20 19 to June 0/5,
Statistics from the National Bureau of Statistics show that in March this year, the price of second-hand houses in Yangzhou rose by 0.3% year-on-year, ranking19; New commercial housing rose by 0.7% year-on-year, ranking 34th among 70 cities.
How long can Yangzhou provident fund loan be approved?
How long can Yangzhou provident fund loan be approved?
How long can Yangzhou provident fund loan be approved? The housing provident fund management center shall, within/0/5 days from the date of accepting the application, make a decision on whether to grant or not to grant the loan, and notify the applicant that if the loan is granted, the entrusted bank shall go through the loan formalities. How long can Yangzhou provident fund loan be approved?
How soon can Yangzhou provident fund loan be approved 1?
1. Generally, it takes 18- 19 working days from the bank's application for housing provident fund loans to the loan bank's approval.
Second, the process is as follows:
1. Apply for a loan first and fill out the application form, which can be completed on the same day.
2, the bank loan review, agreed to report to the municipal housing provident fund management center for review, completed within 2 working days.
3, the city housing provident fund management center to review the loan, completed in 1 working days.
4. After approval, the loan bank signs a loan contract with the borrower, which will be completed within 2 working days.
Article 2 of the Regulations on the Management of Housing Provident Fund stipulates that these Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.
Article 3 stipulates that the housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.
How long can Yangzhou provident fund loan be approved?
How much can Yangzhou provident fund individuals borrow?
The maximum loan is 600,000 yuan, and the specific loan amount is comprehensively evaluated by the provident fund management center according to the specific situation of the loan applicant. The latest provisions of Yangzhou provident fund loans: the maximum amount of double-paid employee housing provident fund loans is adjusted from 500,000 yuan to 600,000 yuan, and the maximum amount of single-paid employee housing provident fund loans is adjusted from 300,000 yuan to 360,000 yuan.
Both husband and wife pay the provident fund, that is, both employees pay. If only one party pays the provident fund, it is called a single employee.
(Source: Yangzhou Municipal People's Government)
Yangzhou provident fund loan amount is determined in accordance with the following provisions:
1 Not exceeding the' maximum amount' determined by the Municipal Provident Fund Management Committee;
2 It shall not be higher than the loan amount determined according to the repayment ability of employees and spouses; The monthly repayment amount generally does not exceed 50% of the income of the borrower or family;
3 It shall not be higher than the loan amount comprehensively determined according to the deposit time and deposit balance of employee and spouse housing provident fund;
4. If the owner-occupied house is purchased, the total loan, withdrawal and down payment shall not exceed the actual total price of the house; For the construction, renovation and overhaul of owner-occupied housing, the total loan shall not exceed 50% of the actual expenditure; Resettlement housing loan, the total price of resettlement housing is calculated according to the actual price of resettlement housing minus compensation fees;
If more than 5 people jointly purchase (build) houses, the loanable amount shall be calculated according to their share of property rights;
If only one employee and spouse pays the housing provident fund, the loan amount shall not exceed 60% of the maximum amount determined by the Municipal Provident Fund Management Committee; If the employee's spouse is an active serviceman, it can be regarded as double employee's deposit to determine the loan amount;
7 other loans that need policy support shall be implemented in accordance with relevant regulations.
How long can Yangzhou provident fund loan be approved?
The calculation of the loan amount of the provident fund shall be determined according to the following four conditions, and the minimum value calculated by the four conditions shall be the maximum loanable amount of the borrower:
First, repayment ability.
(Note: Yangzhou has raised the repayment ability coefficient of housing provident fund loans from the current 0.3 to 0.5 of 20 19 10 15).
Calculation formula = [(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient 0.5- total monthly repayment amount of the borrower's existing loan ]× loan period (month).
Second, the percentage of house prices.
Calculation formula = house price × loan ratio
Three. Balance of housing provident fund account
Calculation formula = balance of provident fund accounts of borrowers and participants ×20.
Fourth, the maximum loan amount.
(Note: From 20 19, 10 and 15, the maximum loan amount of Yangzhou housing provident fund was restored from 350,000 yuan to 500,000 yuan. )
(a), according to the spouse quota use
Calculation formula = [(total monthly salary of both husband and wife, monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient 0.5- total monthly repayment amount of existing loans of both husband and wife ]× loan period (month).
Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).
(2) The loan amount calculated according to the maximum loan amount.
1. If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.
2. I use my housing provident fund to apply for a housing provident fund loan, and I normally pay back the housing provident fund when applying for a loan. The maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
From 3.20 19, 10 and 15, the maximum amount of housing provident fund paid by a single employee will be restored from 2 1000 yuan to 300,000 yuan.
Can I withdraw the provident fund after Yangzhou provident fund loan?
Can I withdraw the provident fund after Yangzhou provident fund loan?
Can I withdraw the provident fund after Yangzhou provident fund loan? If you want to withdraw funds from the provident fund account when buying a house, you must remember to apply after the mortgage bank lends money, otherwise it will affect the amount of the provident fund. Can I withdraw the provident fund after Yangzhou provident fund loan?
Can Yangzhou provident fund be withdrawn after loan? 1
Yangzhou provident fund loan can withdraw the provident fund. However, the corresponding conditions must be met. After the ordinary provident fund loan, 12 months later, you can apply to the provident fund center for monthly repayment (not exceeding the balance of the provident fund) with the commercial housing sales contract, purchase invoice or receipt registered by the housing management department.
Those who have applied for housing provident fund loans can apply to the local housing provident fund management center for withdrawing the balance of individual housing provident fund accounts with relevant supporting materials after repaying the housing provident fund loans for 12 months and meeting the housing provident fund loan conditions stipulated by the local housing provident fund management center. According to different reasons for withdrawal, there are certain restrictions on the withdrawal amount of housing provident fund.
Workers with the extraction certificate, to the unit to extract the application of housing provident fund, the unit after verification, issued by the extraction application. Employees of centralized sealed households apply for withdrawal to sub-centers or management departments.
Matters needing attention in drawing provident fund
1. Account balance: Do not withdraw the provident fund casually at ordinary times, because the balance of the provident fund is related to the loan amount in the future. Simply put, the amount of provident fund loans is directly linked to the balance of provident fund accounts.
2. Withdrawal times of provident fund: The maximum loan for individual provident fund is 500,000 yuan to buy a house, and the maximum one-time loan for both husband and wife is 1 10,000 yuan. Everyone can only use the provident fund to buy a house twice at most.
3. Extraction criteria: Employees who don't own a house and are not the spouse of the owner of the house can't withdraw the housing provident fund to pay the house purchase price or repay the principal and interest of the house purchase loan.
4. Withdrawal time of provident fund quota: If users want to apply for provident fund loans, they may not apply for provident fund withdrawal business before this.
5. Withdrawal order: If you want to withdraw funds from the provident fund account when buying a house, you must remember to apply for withdrawal after the mortgage bank lends money. If the bank applies for withdrawal before lending, it will affect the amount of the provident fund.
Can Yangzhou provident fund be withdrawn after loan? 2
Loan interest rate:
If the loan term is within 1 year (inclusive), the contract interest rate shall be implemented, and the interest shall be adjusted according to the legal interest rate, and the interest shall not be calculated in installments. If the loan term exceeds 1 year, the new interest rate will be implemented according to the corresponding interest rate grade from the next year of interest rate adjustment.
Loan term:
1, which shall not exceed 30 years at the longest;
2 shall not exceed the remaining service life of the purchased house and its land use right;
3. The borrower's loan period and the borrower's age shall not exceed the national statutory retirement age, and the repayment period may be extended by 5 years.
Adjustment of the maximum amount of housing provident fund loans in Yangzhou: the maximum amount of housing provident fund loans for single employees is adjusted from 300,000 yuan to 360,000 yuan, and the maximum amount of housing provident fund loans for dual employees is adjusted from 500,000 yuan to 600,000 yuan. The adjustment policy has been implemented since April 24, 2022, and the housing provident fund loans accepted before April 24 are still implemented according to the original policy.
When we use the provident fund for loans, the loan interest rates vary from place to place. For Yangzhou housing provident fund interest rate, it is generally divided into different loan interest rates according to the loan years. In addition, when handling mechanical energy loans, it is generally necessary to provide purchase contracts, income certificates and other materials.
Can Yangzhou provident fund be withdrawn after loan? three
First, the basic conditions of Yangzhou housing provident fund loans
1, first of all, you must have a valid residence identity card, and the housing provident fund paid in full and on time must be over six months, with a complete balance and unused.
2. There must be legal and effective proof materials such as the Commercial Housing Sales Contract or the proof that the functional department has approved the construction. Housing renovation and overhaul procedures.
3, to have a relatively stable economic income and the ability to repay the loan principal and interest on schedule.
4. There is a minimum down payment certificate and relevant regulations.
5. Guarantee methods recognized by the Center shall be provided.
6. Meet other relevant conditions stipulated by the Center.
Note: The above conditions are indispensable! In addition, anyone who does not meet the conditions can't get a loan!
Second, the loan process
(a) loan application, the loan applicant shall provide true and complete application materials as required, apply for a loan to the branch, and cooperate with the loan investigation and audit.
(two) after accepting the loan, the branch shall review the materials submitted by the loan applicant.
(3) Loan approval: The branch shall complete the loan approval within 2 working days according to the procedures of preliminary examination, review and approval, and notify the loan applicant of the approval result.
(4) After the signing of the contract and the approval of the provident fund loan, the loan applicant shall sign a Class A entrusted loan agreement with the branch and the entrusted bank, and then sign a provident fund loan contract (hereinafter referred to as the loan contract) and other agreement documents with the entrusted bank, and specify the guarantee matters in the relevant clauses.
(V) Loan guarantee: The loan applicant shall go through the guarantee formalities according to the loan contract, and submit relevant guarantee documents that meet the guarantee implementation conditions, such as the real estate registration certificate with clear ownership, to the branch or the entrusted bank.
(6) Loan issuance: For loan applications guaranteed by existing branches and meeting other loan conditions, the entrusted bank will issue loan applications, and after confirmation by the branches, the loan funds will be paid to the entrusted loan fund account of the entrusted bank through direct payment; The entrusted bank shall pay the loan funds to the designated collection account in accordance with the loan contract, and notify the borrower of the loan release results in time after lending.
The introduction of Yangzhou provident fund loan amount ends here.