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. 1. Calculated by 10 times or 20 times the account balance.
2. According to the total house price: the maximum loan ratio is 70% or 80% of the total house price.
3. According to the maximum amount: If Beijing buys the first self-occupied house, the maximum amount of housing provident fund loan is 6.5438+0.2 million yuan, and the maximum amount of individual housing provident fund loan in Shanghai is 600,000 yuan.
4. Calculated according to repayment ability.
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.
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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.
Jinan provident fund loan policy
Jinan provident fund loan policy is as follows:
Purchase a second set of ordinary self-occupied housing in the administrative area of Jinan to apply for housing provident fund loans, and the minimum down payment ratio will be adjusted from 60% to 40%.
The implementation of the policy shall be based on the time when the house is signed online, and it will take effect on August 15, 2022.
Jinan provident fund loan conditions and requirements 2022
Conditions and requirements are as follows:
1. The applicant must continuously and normally deposit the housing provident fund for more than 6 months (inclusive), and the individual housing provident fund account is in a normal deposit state, and keep the deposit balance of not less than 6 months (6 times of the current monthly deposit). The form of overdue payment and one-time payment is not regarded as continuous deposit.
2 have a stable economic income and the ability to repay the principal and interest of the loan on time, and have full capacity for civil conduct. Usually, the average monthly income of the applicant (and his spouse) should be greater than or equal to twice the monthly repayment amount.
3. If the owner-owned house is purchased, built, renovated or overhauled within the specified time limit and the house is used for residence (except villas), it shall be determined according to the purchase contract or the certificate of immovable property rights.
4. The applicant and his spouse have no bad credit records in the housing provident fund management center and the credit information system of China People's Bank within two years.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
Conditions and requirements of Jinan provident fund loan
Personal housing provident fund loan refers to the borrower's application for housing loan with housing provident fund as the source of funds when purchasing self-occupied housing, with the purchased housing or other property with ownership as collateral, or with movable property and rights as pledge. The conditions of Jinan provident fund loan include:
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.
2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Conditions and requirements of Jinan provident fund loan
Legal subjectivity:
Jinan provident fund loan requires applicants to submit application materials to the central network. The borrower must be a natural person with full capacity for civil conduct. The borrower has a permanent residence or valid residence status in Jinan, a stable occupation and income, good credit and the ability to repay the principal and interest on time. On the question of "how to get a provident fund loan in Jinan", the following is a detailed answer from Bian Xiao. 1. How to borrow Jinan provident fund loan 1? To apply, the applicant shall submit the application materials to the central network. 2. Acceptance and preliminary examination of application materials. After examination, if the application materials are complete and conform to the statutory form, it is decided to accept it. If there are errors in the application materials that can be corrected on the spot, the person who has the right to correct them on the spot shall be allowed to correct them, and the corrector shall sign or seal the correction place and indicate the date of correction; If it is confirmed that the application materials are complete and conform to the statutory form, it shall be decided to accept it. 3, review/audit whether the submitted materials are complete and conform to the statutory form; Need to verify the materials, verify the relevant materials. 4, examination and approval, according to the audit situation, make a decision to complete or not. 5, after delivery, inform the individual housing provident fund loan application is successful, and issue a notice of business completion. 2. The loan condition of Jinan Provident Fund is 1, and the borrower is a natural person with full civil capacity; 2. The borrower has permanent residence or valid residence status in Jinan; 3. The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest on time; 4. The time requirement for the borrower to pay the housing provident fund is that the borrower has paid the housing provident fund in full for more than 6 months (inclusive) at the time of loan, and can apply for a personal housing provident fund loan. 5. The borrower has a legal purchase contract or agreement, and the borrower must be the property owner agreed in the purchase contract; The houses purchased are commercial housing, affordable housing, unit fund-raising housing, housing reform housing and second-hand housing in Jinan area; 6. The borrower has paid the purchase price not less than the down payment ratio stipulated by the policy; 7. The borrower agrees to use the purchased house or other real estate recognized by the management center as collateral, or use securities as pledge, or the fund-raising housing unit provides staged loan guarantee. An administrative institution that cannot provide guarantee shall sign an agreement with the management center and be responsible for withholding and remitting the loan principal and interest that the borrower should repay every month. Third, Jinan City Provident Fund Loan Law According to Article 26 of the Regulations on the Management of Housing Provident Funds, employees who have paid housing provident funds can apply for housing provident fund loans from the housing provident fund management center for the purchase, construction, renovation and overhaul of their own houses. The housing provident fund management center shall make a decision on whether to grant loans 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. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. The above is the answer to "How to borrow provident fund loans in Jinan". At present, the latest interest rate of provident fund loans to buy a house is divided into two grades, 3.25% for more than five years and 2.75% for less than five years. This interest rate level is already very low. If you have any questions or legal problems, please visit the website for consultation.
Legal objectivity:
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans 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. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
The introduction of Jinan provident fund loan ends here.