If you apply for a personal housing provident fund loan in China Bank, the amount information is as follows:
1. The loanable amount of the provident fund loan is 14 times the balance of the applicant and the applicant's housing provident fund account, and meets the following requirements:
(1) The monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are * * * applicants and * * * applicants who have paid the housing provident fund in this city, the deposit base of the housing provident fund is the sum of the deposit base of the applicant and himself.
(2) Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall not be lower than the down payment ratio stipulated by the state. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.
(3) Not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city.
If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met.
(4) When the loanable amount of the provident fund loan is insufficient to pay for the house purchase, employees can apply to the entrusted bank for commercial housing loans, which will be distributed to employees in the form of combined provident fund loans (a combination of provident fund loans and commercial housing loans). Please consult the provident fund loan business outlets or the local provident fund management center in detail when handling.
The above contents are for your reference. Please refer to the actual business regulations.
Introduction to the loan process and quota of housing provident fund
I believe that many friends will see that the housing provident fund is deducted once a month when facing the payroll. Housing provident fund is actually a housing special deposits, part of which is directly deducted from the wages of employees, and the other part is paid by the unit. Its main purpose is to ensure the housing problem of employees. The housing provident fund policy has indeed reduced the burden on the working class to buy a house and rent a house, and enabled more people to find a stable place. Then, what are the conditions of housing provident fund loans and what is the process of housing provident fund loans?
The process of applying for a loan
1. The lender shall submit a written application to the bank, and fill in and submit the housing provident fund loan application form. At the same time, the lender is required to provide these materials: the applicant's valid identity document; The applicant's housing provident fund deposit certificate; Proof of economic ability and repayment ability (such as proof of income); Reasonable and effective procurement contract; Other relevant information needed.
2. The bank will review the materials submitted by the lender. If these materials are complete and true, the bank will apply for a loan and submit relevant materials to the housing provident fund management center.
3 housing provident fund management center to review and analyze the above information, decide whether to issue loans, and inform the bank of the results in a timely manner.
If approved, the bank can notify the lender to handle the loan according to the procedures. After the lender and the bank sign the loan procedures, the bank will send these procedures to the provident fund management center for re-examination. After the approval, the provident fund center will allocate the funds to the bank, and the bank can also issue loans to the lender according to the contract.
loan limit
According to the provisions in the Administrative Measures, the amount of provident fund loans is assessed according to grades. Among them, the maximum loan of grade A is 800,000 yuan, the maximum loan of grade AA is 920,000 yuan, and the maximum loan of grade AAA is 6.5438+0.04 million yuan. In terms of loan term, the measures also stipulate that the maximum loan term is 30 years, and the sum of the lender's age and loan term shall not exceed 70 (if the husband and wife jointly borrow money, the older one shall prevail). In addition, the loan period is also related to the age of the building. For example, the building age and loan period of brick-concrete structure can not exceed 47 years, while the standard of steel-concrete structure is 57 years.
Housing provident fund loan conditions
The employee's unit must open a housing provident fund account in the entrusted bank determined by the county people's government and pay the housing provident fund on time for more than one year.
First, the loan object
In line with the "loan conditions" and the need to buy and build houses, administrative institutions and enterprise employees purchase housing reform, affordable housing, commercial housing or self-built housing in their respective jurisdictions.
Second, the loan amount and loan interest rate
The amount of entrusted loans for housing provident fund shall not exceed 70% of the total amount of housing purchased by employees, and the monthly repayment amount shall not exceed 50% of the monthly economic income of both husband and wife. The maximum amount of housing provident fund personal housing entrusted loan is 6.5438+0.5 million yuan. The loan interest rate is 4.59% for five years or less and 5. 13% for more than five years.
Third, the loan term.
According to the remaining length of service and repayment ability of employees. The longest term of housing provident fund personal housing entrusted loan is 20 years. Employees with less than 20 years of remaining service can be relaxed for 3 years.
Four, employee loans should provide materials
(a) to apply to the housing provident fund management department, after passing the preliminary examination, send the "Cengong County Housing Provident Fund Personal Loan Application Form" in duplicate;
(2) The employee shall submit the completed Application Form for Personal Loan of Cengong County Housing Provident Fund together with the following materials to the Credit Unit of the County Housing Provident Fund Management Department;
1. Two loan applications (signed by married spouse);
2. The original and photocopy of the house purchase contract or agreement 1 copy each;
3. 1 Original and photocopy of the Registration and Filing Form of Commercial Housing Pre-sale Contract;
4. Two copies of deposit receipt;
5. Two copies of the applicant's husband and wife ID card and household registration book;
6. Two originals of the income certificate of the applicant's husband and wife;
7. The original 1 copy, 1 copy and 1 copy of the applicant's personal account inquiry form for husband and wife housing provident fund (with the official seal of the bank where the account is opened);
8. The applicant should provide a copy of marriage certificate if he is married, and two copies of divorce certificate if he is divorced; Unmarried, the original and photocopy of the unmarried certificate issued by the street office where the account is located or 2 copies of the unmarried certificate shall be provided;
9. For self-built houses, 2 copies of the approval letter for construction land, construction project planning permit, land use certificate, house elevation and house plan shall be provided;
10. To purchase affordable housing, it is necessary to provide two copies of the approval document for construction land, construction project planning permit, construction permit, house elevation, house floor plan and approval documents of relevant government departments.
The above is some information related to the housing provident fund loan procedures. If you need a loan in the near future, you must read the above information carefully and find out the conditions and processes of these provident fund loans, so that you can get twice the result with half the effort when applying for a loan!
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How to calculate the amount of provident fund loans?
1. Calculate the monthly income of yourself and * * * the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund; 2. Calculate the maximum loanable amount: the maximum loanable amount is the monthly income of your family (referring to the monthly income of both husband and wife, the monthly income of retired employees and their children and other applicants, the same below), the remaining amount after deducting the monthly living expenses of at least 400 yuan, and then dividing it by the monthly repayment amount of each 10,000 yuan loan during the loan application period. 3. The specific loan amount should also consider the maximum loan amount, maximum loanable loan amount, minimum down payment and credit rating of a single loan.
So much for the introduction of the entrusted loan amount.