When the borrower repays the overdue loan on the repayment date agreed in the contract, he can call the provident fund management center to inquire about the overdue amount to be repaid at least on the next repayment date and repay it on the next repayment date; If the borrower repays the overdue money on the repayment date not agreed in the contract, I will go through the relevant formalities at the loan bank with the original and photocopy of my ID card. The borrower needs to apply, set a repayment date and repay the loan according to the set date. Before the date agreed in this contract, the borrower can only go through the overdue formalities at the counter once per period.

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Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund. It is a loan that employees who deposit housing provident fund units in the fund management center on time in a specified period apply to the fund management center when they buy or build self-occupied housing (including second-hand housing) in this city with their own property houses as collateral and legal persons with guarantee ability. Loans can be issued by banks entrusted by the fund management center. In order to further promote the commercialization and socialization of housing, the main object of housing provident fund distribution has shifted from housing development enterprises to ordinary residents.

On May 5, 20 18, Beijing Housing Provident Fund Management Center issued the Notice on Cancelling the Copy of Identification Materials as a Requirement for Withdrawing Housing Provident Fund and Handling Loan Business.

loan limit

According to the current policy, the basic provident fund loan for each household does not exceed 6,543,800 yuan or 654.38+ 05 times of the total storage amount of the account, and the supplementary provident fund loan for each household does not exceed 30,000 yuan or 2 times of the storage balance. For employees who have paid the provident fund at the same time, the maximum loan amount shall not exceed 6.5438+0.3 million yuan. And the maximum loan period is 30 years. The loan amount for purchasing second-hand houses or renovating or overhauling houses shall not exceed 50% of the total house price, and the longest term shall be 10 year. However, the loan term of the main lender shall not exceed the statutory retirement age of 5 years.

The maximum loan amount for purchasing primary market housing and self-built housing is 6.5438+0.5 million yuan, and the maximum loan ratio does not exceed 70% of the total price of purchased or self-built housing; The maximum loan amount for purchasing a second-hand house is 80,000 yuan, and the maximum loan ratio does not exceed 50% of the appraised value of the house purchased.

1. The loan amount is determined by the coefficient not higher than the repayment ability of the borrower (including the spouse), and its calculation formula is:

The sum of the monthly salary income of the borrower's husband and wife who have paid the housing provident fund ×1February× 35 %× loan period (if the borrower's spouse has not paid the housing provident fund normally, the monthly salary income in the formula does not include the spouse).

2. If only one of the borrower's husband and wife normally deposits the housing provident fund, the loan amount shall not exceed 50% of the purchase price and the total purchase price.

3. The specific loan amount of each borrower is determined by the loan bank and the fund management center of the Housing Reform Commission in accordance with the above provisions and in combination with the borrower's repayment ability.