2.75%。 The interest rate of provident fund loans is based on the benchmark interest rate announced by the People's Bank of China on 20 15/0/24, so the latest interest rate of Wenzhou provident fund loans is 2.75% for five years and below, and 3.25% for more than five years.
Wenzhou Provident Fund Loan Line 2022
Legal analysis: Wenzhou provident fund loan amount is determined according to the region.
1, three districts (Ouhai, Longwan and Lucheng), Yueqing, Ruian and Dongtou have 200,000-500,000 single employees and 250,000-700,000 double employees;
2. Taishun, Cangnan and Pingyang: simplex1500,000-300,000, duplex 200,000-500,000;
3. Wencheng and Yongjia: 15000-400000 simplex, 200000-600000 duplex.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
1. The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
5. Housing accumulation fund is a personal housing savings fund specially used for housing consumption expenditure stored by employees according to regulations.
Housing provident fund has two characteristics:
1, cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not distributed in cash. It must be deposited in the special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
2. Specificity: The housing accumulation fund should be earmarked for special purposes and can only be used for purchasing, building, overhauling occupied houses or paying rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with the unit or move out of the original city can they withdraw their housing from their registered permanent residence.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-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.
2022 Wenzhou provident fund loan amount
The loan amount of Wenzhou provident fund in each region is as follows: Yueqing and Ruian in the four districts: 200,000-500,000 for single employees and 250,000-700,000 for double employees; Taishun, Cangnan and Pingyang: 15000-300000 simplex, 200000-500000 duplex; Wencheng and Yongjia:1.5-400,000 simplex, 200,000-600,000 duplex.
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).
On August 17 and 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that the down payment for purchasing a second home with provident fund loans will be cancelled by 20% from September 15 and 1 day.
Loan process:
I. Consultation of loan applicants
The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.
II. Preliminary review and evaluation
The loan applicant to the loan handling department for preliminary examination and related evaluation:
1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.
2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.
3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure.
4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.
Three, the loan applicant waiting for telephone notification.
1. The staff of the loan handling department will review the loan according to the materials required by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.
2. If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid; If the loan applicant chooses the non-guarantee center as the guarantee method, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract.
Does Wenzhou provident fund loan need a single certificate?
With the relaxation of Wenzhou housing provident fund loan policy, the application conditions for provident fund loans have also been relaxed, but those singles don't know whether they need the single certificate of provident fund loans, so I will introduce this to you.
With the adjustment of the provident fund loan policy, according to the notice of Wenzhou Housing Provident Fund Management Center, as the public security and civil affairs departments no longer issue single certificates, the "single certificate" and other materials that single employees need to provide for provident fund business will be changed to "pledge guarantee" issued by individual employees, which will not affect the withdrawal and loan business of single employees' provident fund.
"Letter of guarantee" refers to the written evidence submitted by employees to the housing provident fund management institution in the process of handling the housing provident fund business, indicating that they are responsible for their own actions and are willing to bear all legal responsibilities for the consequences of such actions. Moreover, in front of the staff of the management organization, the relevant information in the corresponding column of the Guarantee must be truthfully filled in and signed by fingerprint. The staff of the management organization must check the identity certificate of the guarantor on the spot.
To sum up, the singles in Wenzhou should all breathe a sigh of relief. It is no longer necessary to go to the public security or civil affairs department to open a single certificate when buying a house with a provident fund loan.
Conditions for Wenzhou provident fund to borrow money from different places to buy a house
With the relaxation of provident fund loan policies in various places, many people feel that they are impacting the property market. The regulations on off-site loans have been adjusted in many places, such as relaxing the application conditions and speeding up the loan process. Recently, Wenzhou has also adjusted the loan in different places and relaxed the application conditions again. Next, let's take a look at the conditions for buying a house with a loan from Wenzhou Provident Fund.
Wenzhou provident fund loan application conditions in different places:
1. The borrower must purchase the owner-occupied house in Wenzhou and be the property owner or owner of the house purchased;
2. The borrower must pay the housing provident fund in full and normally for more than six months before applying;
3. The borrower and spouse have no outstanding housing provident fund loans;
4. The borrower must provide the guarantee procedures approved by Wenzhou Housing Provident Fund Management Center;
5. The borrower has a stable economic income and the ability to repay the loan principal and interest on schedule;
6. The borrower has good personal credit and full capacity for civil conduct;
7. The borrower has legal proof materials such as purchase contract or agreement, and has paid a down payment of not less than the specified proportion;
8. Meet other conditions of Wenzhou housing provident fund loan.
The introduction of Wenzhou provident fund loans ends here.