The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. So what is the amount of the provident fund loan in Wuxi? This article will take you to know the calculation formula of 20 18 Wuxi provident fund loan amount and loan ratio, hoping to help you.
0 1
Maximum loanable amount
1. meets the loan conditions, and the loan amount is 10 times of the deposit balance of housing provident fund (based on the data of 12 the night before the application for provident fund loan). If the borrower's spouse meets the conditions of provident fund loan, the balance of housing provident fund deposit shall be calculated together;
2, in line with the loan conditions, the spouse is an active soldier, the loan amount is 20 times the balance of the borrower's housing provident fund deposit;
3, the borrower or spouse of the new employee housing subsidies meet the loan conditions, the deposit balance can be combined.
The borrower 1 person meets the loan conditions, and the maximum loan amount is 300,000 yuan; Both the borrower and spouse meet the loan conditions, and the maximum loan amount is 600,000 yuan.
02
Actual loanable amount
Total house price (the commodity house is the total price of the house purchase contract; The stock room is the lower of the filing price and the evaluation price) MINUS the prescribed loan down payment.
1. The borrower's family applied for provident fund loan for the first time.
(1) From April 22, 20 15, the borrower's family applied for provident fund loan for the first time, and the down payment ratio of the loan was not less than 20% of the total house price;
If the housing purchased by employees' families is the first set of housing (subject to the Housing Ownership Registration Information issued by the center after the unified file search), if the construction area of Xing Tao is below 90 square meters (inclusive), when the deposit balance is insufficient, the maximum loan amount can reach 300,000 yuan per borrower; The maximum amount of the borrower and spouse is 600,000 yuan.
(2) If low-income families purchase affordable housing and can provide the original Wuxi Affordable Housing Application Form stamped by the municipal housing security department, when the deposit balance is insufficient, the maximum loan amount can reach 300,000 yuan per borrower; The maximum amount of the borrower and spouse is 600,000 yuan.
2. The borrower's family handles the provident fund loan for the second time.
From September 25th, 20 17, the down payment ratio of the loan shall not be less than 40% of the total house price. Jiangyin City and Yixing City are still implemented according to the original policy.
Note: The total price of the commercial housing purchase contract includes the decoration price, and the total price of the house is calculated by deducting the decoration price (the decoration price is directly deducted in the purchase contract; If the decoration price is not stipulated in the house purchase contract, it shall be deducted by 15% of the total house purchase contract price).
Term of provident fund loan
The term of each loan of 1 10,000 yuan shall not exceed three years, and the longest shall not exceed thirty years, and shall not exceed the loanable period of the borrower. (loanable period = the borrower's working period from the date of borrowing to statutory retirement is 5 years).
What is the second loan amount of Wuxi Provident Fund in 2022?
In 2022, the second loan amount of Wuxi Provident Fund is 600,000. Relevant information shows that the second loan amount of Wuxi Provident Fund has been increased from 400,000 yuan to 600,000 yuan since September 2022 1, and the down payment ratio of the loan is not less than 20% of the total house price.
New Policy of Wuxi Provident Fund Loan 2022
According to the notice issued by Wuxi Housing Provident Fund Management Center on April 12, 2022, those who reduce the deposit ratio or apply for deferred payment of housing provident fund do not need to be overdue.
(1) Enterprises can reduce the contribution ratio of housing provident fund by themselves according to their own operating conditions, and the minimum contribution ratio can be reduced to 5% for units and 5% for employees. If an enterprise applies for holdover of housing provident fund, the holdover period shall not exceed 12 months from the date of approval.
(2) Due to the epidemic situation, enterprises that failed to pay the housing provident fund in time before May 3, 20221day can be regarded as normal continuous payment after the unit pays the housing provident fund, which does not affect employees' application for provident fund loans. Before 3 1 May, 2022, if the housing provident fund loan cannot be repaid normally, after the unit explains the situation, it may not be overdue, and it will not be submitted to the credit information department as an overdue record to adjust the submitted loan.
The first and second sets of housing provident fund loans
It is reported that at present, the second-home provident fund loan in Wuxi is only for employees' families whose purchase area is less than 120 square meters when applying for the first-home provident fund loan, and the loan is only used to purchase ordinary self-occupied housing that improves living conditions. If the area of the first suite is above 120 square meters, the provident fund loan cannot be used again. In addition, the down payment ratio of the second-home provident fund loan shall not be less than 50%, and the loan interest rate shall be 1. 1 times of the first-home provident fund loan interest rate in the same period.
The second and third sets of housing provident fund loans
According to the regulations of Wuxi Housing Provident Fund Center, at present, all the three-suite provident fund loans in the city will be suspended.
Wuxi housing filial piety provident fund loan object identification standard is "recognizing housing and recognizing loans". "House" refers to the house under the name of the employee's family (including husband and wife and minor children, the same below) registered in the real estate registration center (including Jiangyin and Yixing); "Loan" refers to the housing provident fund loan. "The first set of self-occupied housing" refers to the self-occupied housing purchased by employees' families without housing provident fund loan records and without housing in this city.
Legal basis: "Regulations on the Management of Housing Provident Fund" The municipalities directly under the central government, the cities where the people's governments of provinces and autonomous regions are located and other cities with districts (prefectures and leagues) should set up housing provident fund management centers to be responsible for the management and operation of housing provident fund according to the principle of simplification and efficiency. County (city) does not set up housing provident fund management center. The housing provident fund management center specified in the preceding paragraph may set up branches in counties (cities) where conditions permit. The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting.
What is the down payment ratio of Wuxi provident fund loan?
The proportion of the first home loan is generally around 20%.
Housing provident fund loans can be submitted to the loan bank, or directly to the housing provident fund management department for approval.
The specific loan process of housing provident fund is as follows:
The borrower may submit a written loan application and related materials to the loan bank, which shall submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;
The borrower approved by the housing provident fund management department shall sign the loan contract and guarantee contract with the loan bank, and handle the mortgage registration, insurance, notarization and other related procedures;
According to the loan contract, the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;
The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;
After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation procedures at the original mortgage registration department.
20 19 Wuxi affordable housing provident fund loan amount and new policy
According to the spirit of the Notice on Printing and Distributing the Detailed Rules for the Implementation of Monetary Subsidies for Economically Affordable Housing in Wuxi (Bao [2015] No.2) and in combination with the relevant provisions of housing provident fund loans, the relevant matters concerning the employees who enjoy monetary subsidies for economically affordable housing in Wuxi (excluding Jiangyin and Yixing) are hereby notified as follows:
I. Calculation method of minimum down payment
The minimum down payment is calculated by multiplying the total house price (including the amount of government monetary subsidies) by the minimum down payment ratio.
Second, the calculation method of loanable amount
Employees who enjoy monetary subsidies for affordable housing in Wuxi urban areas and meet the conditions of provident fund loans can provide the Confirmation of Monetary Subsidies for Affordable Housing in Wuxi Urban Areas issued by the housing security department when purchasing new ordinary commodity housing or ordinary commodity housing on state-owned land in urban areas (excluding Jiangyin and Yixing). The loanable amount is calculated according to the provisions in the first paragraph below, and the maximum loan amount does not exceed the provisions in the second paragraph:
1. loanable amount = total house price-paid house price meeting the minimum down payment requirement-government monetary subsidy amount.
2. The borrower can borrow up to 300,000 yuan from the common reserve fund; Both husband and wife of the borrower normally deposit the provident fund, with a maximum loan of 600,000 yuan.
Three. any other business
This notice shall be implemented as of the date of promulgation. Matters not covered in this notice shall be implemented in accordance with the relevant provisions of the current housing provident fund personal housing loan.
Interpretation of "Notice on Several Issues Concerning Monetary Subsidies for Affordable Housing, Employees' Housing Provident Fund and Individual Housing Loans" (Xifang Jingui [2065 438+05] 1)
I. Basis for the formulation of the notice
In order to better solve the housing difficulties of low-and middle-income families in our city, the Municipal Housing Construction Bureau and the Municipal Finance Bureau have formulated the Detailed Rules for the Implementation of Monetary Subsidies for Affordable Housing in Wuxi. According to the requirements of the document, our center drafted the Notice on Several Issues Concerning Personal Housing Loans for Employees with Monetary Subsidies for Affordable Housing in accordance with the spirit of the Notice on Printing and Distributing the Detailed Rules for the Implementation of Monetary Subsidies for Affordable Housing in Wuxi (F.J.B. [2015] No.2).
Two. Main contents of the notice
(1) Determination of minimum down payment amount
In order to ensure the security of provident fund loans, according to the provisions that the minimum down payment ratio of employees applying for housing provident fund personal housing loans in our city shall not be less than 20% of the total housing price, employees who enjoy monetary subsidies for affordable housing shall bear 20% of the total housing price first, and the amount of government monetary subsidies shall not be used as the down payment.
(b) In determining the loanable amount
1. Determination of loanable amount. According to the minimum down payment, government subsidies and the current provident fund personal housing loan loan amount calculation method. Namely: loanable amount = total house price-paid house price meeting the minimum down payment requirement-government monetary subsidy amount.
2. Application of indemnificatory policy. Considering that employees who enjoy monetary subsidies for affordable housing are the housing security objects of our city, when eligible employees apply for housing provident fund personal housing loans, the borrower can normally deposit the provident fund with a maximum loan of 300,000 yuan; Both husband and wife of the borrower normally deposit the provident fund, with a maximum loan of 600,000 yuan.
What are the housing loan policies in Wuxi?
As a city in the south of the Yangtze River, Wuxi has a relatively developed economy and a very good living environment, so many people choose to buy a house here. Nowadays, few people buy a house in full, often applying for a loan. What is the housing loan policy in Wuxi? Then let's take a look at the following!
The policy mainly requires provident fund loans. When buying a house in the urban area, the down payment of the first provident fund loan should be no less than 20% of the total house price. The down payment for the second use of provident fund loans shall not be less than 40% of the total house price, and the lender must meet the requirements that the provident fund has been paid for half a year or more before the application.
If you buy a house with a provident fund loan, no matter how big the first house is, the down payment shall not be less than 20% of the total house price. Before the policy is adjusted, the use of provident fund loans will often limit the housing area. Among them, the minimum down payment for a house within 90 square meters is only 20% of the total house price, and the minimum down payment for an area above 90 square meters is 30% of the total house price. In addition, the number of housing units is also limited. The down payment of the second suite will be higher than that of the first suite, like the existing property under the name, but in order to improve the living, the provident fund is used to buy a house, and the minimum down payment is 30% of the total house price. The size of the loan interest rate depends on the number of housing units, and the interest rate of the first suite is relatively low, so the pressure on lenders will not be so great.
Before using the provident fund loan, it is necessary to pay the provident fund for half a year continuously in the urban area, and there is no problem of default within 24 months before the application. If the applicant transfers the provident fund from other places, it must have been deposited continuously for 6 months before, and deposited the provident fund in this place for 1 month or more.
Among them, the application for provident fund loans should meet these conditions: first, the purchased property is an ordinary residence; Second, the applicant is the owner of the property; Third, the job is relatively fixed and there is a stable income; Fourth, it has good credit information and good repayment ability; Fifth, there is collateral; Sixth, if you have applied for a provident fund loan before, you must pay it off.
I hope the above answers are helpful to you.