In order to further standardize the issuance of housing provident fund loans in Zibo, reduce the liquidity risk, and better support the rigid and improved housing needs of paid workers, according to the Regulations on the Management of Housing Provident Fund in the State Council, the Business Specification for Personal Housing Loan of Housing Provident Fund by the Ministry of Housing and Urban-Rural Development, and the Notice on Further Standardizing and Perfecting the Management of Housing Provident Fund in the Province by the Ministry of Housing and Urban-Rural Development of Shandong Province, the Department of Finance of Shandong Province, and the Jinan Branch of the People's Bank of China, it is decided through research that the loan amount of housing provident fund loans should be linked to the balance of housing provident fund deposit.
First, employees who apply for housing provident fund loans within the administrative area of Zibo shall be linked to the housing provident fund deposit balance. Calculate the loan amount according to the multiple of the sum of the normal deposit balance of the housing provident fund account of the loan applicant and the normal deposit balance of the housing provident fund account of the applicant. The maximum loan amount for the first suite does not exceed 600,000 yuan, and the maximum loan amount for the second suite does not exceed 500,000 yuan.
Two, according to the provisions of the first calculation, the loan applicant housing provident fund loan amount is less than 250 thousand yuan, the loan amount can be increased to 250 thousand yuan.
Three, according to the loan amount determined in Article 1 and Article 2, the actual loan shall not exceed the maximum loanable amount calculated according to the repayment ability of employees.
Four, in Zibo housing provident fund personal loan rate is greater than 85%, the loan linked multiple is calculated by 15 times. When the personal loan rate of housing provident fund is less than or equal to 85%, the loan-linked multiple is calculated as 20 times. City housing provident fund management center according to the housing provident fund personal loan interest rate changes to determine the multiple implementation standards, and issued for implementation. At present, the loan linking multiple is 15 times.