When employees apply for provident fund loans, they need to pay the housing provident fund in full and normally according to the regulations, and have been paying it continuously for more than 6 months (inclusive) when applying for loans. Payment is not considered continuous.
Can Hangzhou provident fund be paid for three months and withdrawn in the fourth month?
Of course.
Ordinary housing provident fund can be withdrawn after paying for 3 months. According to the regulations, employees can apply for withdrawal of housing provident fund as long as they have paid the housing provident fund in full in this city for 3 months and have no property housing in the administrative area of this city. Withdrawal conditions of provident fund: 1. When buying self-occupied housing, if there is a demand for funds, you can apply for withdrawal of provident fund with the purchase contract and other related materials; 2. When building a self-occupied house, you can provide supporting materials such as approval documents issued by relevant departments such as construction and land, and apply for withdrawal of provident fund; 3. When building or renovating a house, you can provide the approval documents or other supporting documents of the planning administrative department, and you can apply for withdrawing the provident fund; 4. When renting a house, if the housing cost exceeds the prescribed proportion of family wage income, you can apply for withdrawal of provident fund; 5. If the mortgage is being repaid, you can also apply for withdrawing the housing provident fund to repay the loan principal and interest;
Hangzhou provident fund loan amount
There are also formulas for handling provident fund loan procedures in Hangzhou. The standard of formula calculation is that the average monthly balance of employee housing provident fund account is multiplied by multiple, and the maximum local loan amount is 1 10,000 yuan, and the maximum individual application is not more than 500,000 yuan. At the same time, the specific loan amount is comprehensively determined according to the conditions and prices of the houses purchased by employees, individual repayment ability and credit status. If the loan amount of employee housing provident fund is insufficient, you can apply for a commercial portfolio loan. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with housing provident fund loans. 1. The basic requirements for Hangzhou to apply for provident fund loans are as follows:
In accordance with the provisions of the normal and full payment of housing provident fund, and in the application for loans has been paid for more than 6 months (inclusive);
The purchased house is an ordinary owner-occupied house in this city, with a purchase and building contract and relevant supporting materials that meet the statutory requirements, and it is agreed to use the purchased built house as a loan guarantee;
1. Purchase of commercial housing
Sales of real estate has signed a cooperation agreement with Hangzhou Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center);
Buy a second-hand house
The real estate agency intermediary company has filed in the provident fund center;
3. Buy public housing
Approved by the housing reform department, the house price has been paid in full;
4. Placement
Demolition and resettlement housing has completed the ownership certificate of the unit and paid all the house price;
5. Construction, renovation and overhaul of owner-occupied housing
Should belong to the nature of state-owned land and obtain housing construction planning permit or government departments to approve the construction and repair of housing documents. Two. The down payment ratio is as follows:
1. For the purchase of commercial housing, the down payment ratio of the loan shall not be less than 30%, and shall not be less than the minimum down payment ratio agreed in the property cooperation agreement of the provident fund center;
2 the purchase of affordable housing, loan down payment ratio of not less than 20%;
3. If the second-hand house is purchased and the age of the house is less than 20 years (inclusive), the down payment ratio of the loan shall not be less than 30%; If the house age is more than 20 years, the down payment ratio of the loan shall not be less than 40%;
4 the purchase of public housing, the loan amount does not exceed 70% of the total house price;
5 resettlement or construction, renovation, overhaul occupied housing, the loan amount does not exceed 70% of the actual payment. Legal basis: Regulations on the Management of Housing Provident Fund
Eleventh housing provident fund management center shall perform the following duties:
Prepare and implement the plan for the collection and use of housing provident fund;
Responsible for recording the deposit, withdrawal and use of employee housing provident fund;
Responsible for the accounting of housing provident fund;
Approving the extraction and use of housing provident fund;
Responsible for the preservation and return of housing provident fund;
Prepare a report on the implementation of the housing provident fund collection and use plan;
To undertake other matters decided by the Housing Provident Fund Management Committee.
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to 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.
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Hangzhou, Chen Cheng
2022- 10-29 Banking practitioners share industry knowledge.
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The personal loanable amount of employees is calculated and determined according to a certain multiple of the monthly average balance of the housing provident fund account, and the calculation formula is: the personal loanable amount of employees = the monthly average balance of the employee housing provident fund account × multiple.
The average monthly balance of the employee housing provident fund account is the average monthly balance of the employee housing provident fund account for nearly 12 months (excluding the month of application) (excluding the one-time payment for nearly 12 months), and the shortage of 12 months is calculated according to the actual number of months;
The multiples of Hangzhou's main urban area, Xiaoshan District, Yuhang District, Linping District, Fuyang District and Lin 'an District are currently determined by 15 times;
The calculation result of employee's personal loanable amount is rounded to thousands.
Provident fund loan interest rate
1. The interest rate of provident fund loans is subject to the benchmark interest rate announced by the People's Bank of China in 2022.
2. At present, the benchmark interest rate of provident fund loans is 2.6% for less than five years and 3. 15% for more than five years.
3. It generally takes more than one year to apply for provident fund loans.
PS: The specific approved loan amount is determined by comprehensively analyzing the conditions, price, family credit status, repayment ability and other factors of the house purchased by the borrower according to the relevant national policies on individual housing loans and the relevant provisions on provident fund loans.
How much can Hangzhou provident fund loan borrow?
The maximum personal loan for employees is 500,000 yuan. If both employees and their spouses pay housing provident fund, the specific loanable amount shall be calculated separately by individuals, and the total maximum loanable amount shall be 6,543,800 yuan.
The loanable amount is calculated according to the average monthly balance of employees' housing provident fund accounts when applying for housing provident fund loans (the multiples of Hangzhou main city, Xiaoshan District, Yuhang District and Fuyang District are currently determined by 15 times).
The average balance refers to the average balance of the housing provident fund account at the end of the month when employees apply for loans (if the deposit time is less than 12 months, it shall be determined according to the actual number of months) (excluding one-time deposit for nearly 12 months). The calculation result of employee's personal loan amount is rounded to thousands. Less than 6.5438+0.5 million yuan, determined to be 6.5438+0.5 million yuan, more than 500,000 yuan, determined to be 500,000 yuan.
Of course, the specific loan amount should also be comprehensively determined according to the conditions, price, personal repayment ability and credit status of the houses purchased by employees.
Review time of provident fund loan:
First of all, the borrower needs to apply to the entrusted loan bank, which will submit the materials to the provident fund center.
(1) Hangzhou housing provident fund loan shall be submitted to the provident fund center for approval after the entrusted loan bank accepts the loan application;
② The Provident Fund Center shall complete the loan approval within 7 working days from the date of receiving the materials submitted by the entrusted bank.
Note: Portfolio loans need to be approved by the loan bank of the Economic Commission as commercial loans.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!