The ratio of the loan amount to your salary level, salary deduction, your personal bank credit rating, the maximum loan limit of the local provident fund management center and the balance of your provident fund account generally does not exceed 15 times of the account balance; Is directly related; So the information you gave is too limited to estimate.

You can use the following methods to query:

1, use 1 14 to check the telephone number of your local provident fund management center, and call the staff on weekdays to tell them your ID number, and they will help you find out your maximum loan amount and maximum loan period; This is the simplest and most convenient.

2. You can go directly to the provident fund management center and ask, as long as you get your ID card, you will know the accurate data immediately.

It is more reliable to check the loan amount yourself; In addition, the low down payment depends on the developers, who agree that zero down payment is also possible.

2. What are the conditions for Wuxi provident fund couples to borrow 800,000 yuan?

1. Both husband and wife have paid the housing provident fund to Wuxi Provident Fund Center on time, in full and continuously six months before applying for the loan, and have not owed the housing provident fund two years before applying for the loan;

2. The purchased house is a self-occupied ordinary house;

3. The owner of the purchased owner-occupied house or the owner of * * (the purchase contract is signed and sealed by the buyer);

4, a stable source of economic income and the ability to repay the principal and interest on time;

5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge;

6. Both husband and wife of the loan applicant shall not have outstanding provident fund loans.

7. The borrower's family used the housing provident fund loan for the first time to purchase owner-occupied housing.

If the deposit balance of the provident fund is sufficient, the loan amount: 10 times of the deposit balance of the provident fund (based on the data of 12 the night before applying for the provident fund loan). If the borrower's spouse meets the conditions of provident fund loan, the balance of housing provident fund deposit shall be calculated together; If the spouse is a serviceman (the serviceman certificate issued by the political department of the army, the military affairs department or the organization and personnel department), the loan amount is 20 times of the balance of the borrower's housing provident fund deposit; You can apply for a loan of 800,000 yuan according to the loan policy.

If the balance of the provident fund deposit is insufficient, the borrower's family will use the housing provident fund loan for the first time, and the purchased self-occupied housing will be the first housing (subject to the Housing Ownership Registration Information issued by the center after the unified file search), and the construction area of Xing Tao is below 90 square meters (inclusive). If the deposit balance is insufficient, the maximum loan amount can reach 500,000 yuan per borrower; The maximum amount of the borrower and spouse is 800,000 yuan.

Note: The housing allowance for new employees of Wuxi Provident Fund can be combined with the balance paid in the provident fund account.

1. What information does Wuxi provident fund loan need?

Both the husband and wife of the loan applicant and the owner of the house purchased must go through the relevant formalities of provident fund loan on the spot and provide the following information (original) according to the purchase situation.

1. Buy local commercial housing and affordable housing:

(1) ID card and household registration book of the loan applicant, husband and wife and the owner of the house purchased (the loan applicant or the owner of the house purchased is single, only personal materials are required);

(2) Marriage certificates of both the husband and wife of the loan applicant and the owner of the house purchased (if single due to divorce or widowhood, valid certificates of divorce or widowhood shall be submitted respectively);

(3) the purchase contract filed by the real estate registration center;

(4) Purchase invoices.

2. Buy local stock houses (second-hand houses):

(1) ID card and household registration book of the loan applicant, husband and wife and the owner of the house purchased (the loan applicant or the owner of the house purchased is single, only personal materials are required);

(2) Marriage certificates of both the husband and wife of the loan applicant and the owner of the house purchased (if single due to divorce or widowhood, valid certificates of divorce or widowhood shall be submitted respectively);

(3) The sales contract of stock houses filed by the real estate registration center;

(4) The seller's real estate license, house ownership certificate, state-owned land use certificate or house ownership certificate;

(5) proof of paid house payment;

(6) Property mortgage assessment report issued by an assessment agency recognized by the guarantee company.

Second, matters needing attention

1. If the purchase area is less than 90 square meters (inclusive) and the purchased house is the first suite, it is required to submit the Property Ownership Registration Information issued by the center after unified file search (Jiangyin Sub-center and Yixing Sub-center are issued by the local housing management department);

2. If the spouse of the loan applicant is an active serviceman, the military political department, military affairs department or organization and personnel department shall issue the certificate of active serviceman;

3.2065438+From April 22, 2005, if the loan conditions are met, the benchmark interest rate will be implemented for the second provident fund loan, and the second loan application can only be processed the next month after the first loan is paid off;

4. If the employee's family has applied for provident fund loans twice or more, the center will no longer issue provident fund loans;

5. Other materials required by the center shall be provided in case of other circumstances of the employee's family.

Wuxi provident fund loan process

Wuxi housing provident fund loan conditions

(1) A natural person with full capacity for civil conduct;

(2) Having a permanent residence or valid residence status in Wuxi;

(3) Having a stable occupation and income, good credit and the ability to repay the loan principal and interest on schedule;

(4) The applicant and his unit have established a normal housing provident fund deposit relationship with the provident fund center, and have continuously paid the housing provident fund in full for more than 12 months. When applying for a loan, they are in a normal deposit state, and the balance of the provident fund account is not less than the deposit amount of 12 months;

(5) The applicant purchases, builds, rebuilds or overhauls ordinary self-occupied housing (including commercial housing, affordable housing, self-built housing and second-hand housing) within the administrative area of Wuxi, and the applicant is the buyer agreed in the housing contract or the property owner registered with the housing ownership certificate;

(six) to apply for existing and second-hand housing loans, the housing ownership certificate and deed tax bill shall not exceed one year from the date of issuance, and the commercial housing purchase contract shall not exceed two years from the date of signing;

(seven) the purchase of self-occupied housing has been paid not less than the proportion of self-raised funds stipulated in relevant state documents as the down payment for the purchase;

Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; Xing Tao construction area of more than 90 square meters, the loan down payment ratio shall not be less than 30%; For the purchase of a second house, the down payment ratio shall not be less than 50%; Stop issuing housing provident fund loans from the purchase of the third set;

(eight) to provide the guarantee method recognized by the provident fund center;

(nine) the applicant, spouse and guarantor authorize the provident fund center to inquire about the personal credit status in the basic database of personal credit information of the People's Bank of China;

(ten) other conditions required by the provident fund center.

Amount, Term and Interest Rate of Wuxi Provident Fund Loan

Article 16 the loan amount. Provident fund loans are policy loans, which are calculated and determined according to the loan amount applied by the borrower and the following limit standards. If the applied loan amount does not exceed the following limits, the applied loan amount shall be the loan amount; If the application amount exceeds the following limits, the loan amount shall be the amount calculated by meeting the following limit conditions:

1, the maximum amount approved by the Municipal Housing Provident Fund Management Committee. The maximum loan amount is 300,000 yuan if both husband and wife of the loan applicant pay the provident fund, and 200,000 yuan if they pay the provident fund unilaterally;

2. Calculate the loanable amount according to the monthly deposit of the housing provident fund of the borrower and spouse during the loan period and the storage balance of the housing provident fund account at the time of loan: the loan amount of the provident fund = (monthly deposit of the housing provident fund of the borrower and spouse ×1February× loanable period × 1.5 storage balance of the housing provident fund account of the borrower and spouse ×15)/2;

3. The total loan amount shall not exceed 70% of the total price of the purchased house or the assessed value of the mortgaged property or 90% of the pledged property;

4. The monthly repayment amount of the loan shall not exceed 50% of the monthly salary of both husband and wife;

5. For corporate business, it shall not exceed the loan balance of commercial housing;

6. The amount borrowed from others shall not exceed the balance of creditor's rights specified in the loan agreement and notarized iou provided by the creditor.

Article 17 Term of loan. Meet the following conditions:

1, which shall not exceed the 25-year period approved by the Municipal Housing Provident Fund Management Committee at the longest;

2. The loan term plus the borrower's age shall not exceed the statutory retirement age stipulated by the state in principle. Considering the repayment ability of the loan applicant and the loan guarantee method comprehensively, the loan term can be appropriately extended for five years on the basis of the statutory retirement age. The guarantor's guarantee period shall be implemented with reference to the borrower's loan period, and the cancellation time of the individual housing provident fund account of the borrower and the guarantor shall be postponed together; If the guarantee period exceeds the loanable period, the loanable period shall prevail; If the guarantee period is less than the loanable period, the guarantee period shall prevail;

3. Guaranteed by a third party with sufficient compensatory capacity, with the longest loan period not exceeding 65,438+00 years, and the third party guarantee period not exceeding the statutory retirement age stipulated by the state;

4. If the house property right is used as collateral, the loan period shall not exceed the remaining years of land use;

5. The longest loan term guaranteed by a professional guarantee company shall not exceed 10 years.

Article 18 loan interest rate. The national preferential interest rate for provident fund loans shall be implemented according to the regulations of the People's Bank of China, and the interest rate for the second set of housing provident fund loans shall not be lower than 1. 1 times the interest rate for the first set of housing provident fund loans in the same period. For loans that have been issued for more than one year, the legal interest rate will be adjusted in that year, and the interest rate of the corresponding grade will be adjusted in June of the following year at 5438+ 10/kloc-0. If the Borrower fails to repay the principal and interest of the current loan within the time limit stipulated in this Contract, the penalty interest shall be charged according to the relevant regulations of the People's Bank of China.

The above is the amount, term and interest rate of Wuxi housing provident fund loan. I hope it will help you understand the basic situation of Wuxi provident fund loans.

Basic process of Wuxi provident fund loan

According to the management measures of Wuxi provident fund loan, the basic process of Wuxi provident fund loan is mainly the following aspects:

1, loan application.

Applicants who meet the loan conditions apply for loans to the provident fund center, receive and fill out the "Approval Form for Individual Housing Provident Fund Loan Application", and provide loan application materials.

2. Loan approval.

The provident fund management department conducts pre-loan review on the qualifications and credit standing of the loan applicant, the authenticity and legality of the house purchase, and the security of the loan. , invite loan applicants and their spouses to interview, confirm that they meet the loan conditions, sign the Interview Sheet for Personal Housing Provident Fund Loan, the Letter of Authorization for Personal Credit Information Inquiry of Housing Provident Fund Loan, and the Letter of Authorization for Entrusted Payment of Personal Housing Provident Fund Loan, issue an acceptance form and report it to the Provident Fund Center for approval. The provident fund center shall make a decision on whether to approve the loan within 15 working days from the date of acceptance, and notify the applicant. If the loan is granted, the provident fund deposit accounts of the borrower, spouse and guarantor shall be frozen, and a notice of entrusted loan shall be issued.

3. Contract signing.

The entrusted bank organizes loan applicants, spouses, mortgagees and guarantors to sign loan (guarantee, mortgage) contracts and entrusted deduction agreements. The loan applicant and other persons involved in the case shall sign the Wuxi Individual Housing Provident Fund Loan Contract in person at the entrusted bank with the resident ID card in time, and handle the guarantee and other related procedures. After receiving the notice, the loan applicant fails to go through the loan formalities for more than 30 days, which is regarded as giving up the loan automatically.

4. Mortgage guarantee.

The entrusted bank shall designate a special person to assist the mortgagor to go through the formalities of real estate mortgage registration with the real estate administrative department. After completion, the house ownership certificate shall be properly kept by the entrusted bank, and then the loan shall be issued.

5. Pledge guarantee.

The entrusted bank shall designate a special person to assist the pledgee to handle the pledge formalities at the deposit bank or the subscription bank. After the pledge right is confirmed, the pledged property and the pledge right confirmation letter shall be properly kept by the entrusted bank, and then the loan shall be issued.

6. Guarantee company guarantees.

The guarantee company shall issue a guarantee certificate and go through the registration formalities in the entrusted bank.

7. Transfer of funds.

The transfer of loan funds should be entrusted to pay, and should be agreed in the loan contract. According to the loan contract, the lender will transfer the loan to the account opened by the selling unit (or the undertaking unit of construction, renovation and overhaul) or the payee through the entrusted bank. If you buy a second-hand house, you should provide the original house sales contract and deed tax bill, and then transfer them to the account opened by the seller in the bank through the entrusted bank.

Three, Wuxi provident fund loan new policy 2022

In 2022, Wuxi's provident fund loan policy was relaxed and the maximum amount of provident fund loans was increased. 1. For the paid employee families who apply for provident fund loans for the first time to purchase the first set of self-occupied housing, if the borrower meets the loan conditions, the maximum loan amount will be adjusted to 500,000 yuan. 2. If both the borrower and the spouse meet the loan conditions, the maximum loan amount will be adjusted to 800,000 yuan. 3. If a registered family in this city who has given birth to two or three children applies for provident fund loans for the first time to purchase the first set of self-occupied housing, the loan amount may not be linked to the borrower's provident fund deposit period and deposit balance. If the borrower meets the loan conditions, the maximum loan amount will be adjusted to 600,000 yuan; If both the borrower and the spouse meet the loan conditions, the maximum loan amount will be adjusted to 6,543,800 yuan. Factors affecting the amount of provident fund loans Generally speaking, the amount of housing provident fund loans is not only affected by subjective factors such as personal credit status and repayment ability, but also limited by housing prices and the number of houses purchased. 1, credit evaluation. Although the bank's credit evaluation of borrowers is not as strict as that of commercial loans, if there is a serious bad record and the debts are not repaid, it will also have a certain impact on the provident fund loans. 2. Repayment ability. On-the-job employees can ask the company to issue and stamp a salary income certificate, while non-on-the-job employees need to provide fixed assets income to prove their repayment ability, and sometimes the borrower is required to have a guarantor and guarantee commitment. Borrowers with stable income can often apply for a higher loan amount than borrowers with unstable income. The calculation formula of repayment ability is: {(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month). Usage of spouse's quota: {(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife }× loan period (month). Among them, the repayment ability coefficient is 40%. Legal basis: Article 36 of the Banking Law. When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided. Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.

4. What is the loan amount of Wuxi Provident Fund? What's the highest?

Wuxi housing provident fund loan policy is further tilted towards income families. Yesterday, I learned from my heart that starting from 65438+February 1, families who buy a house for the first time and have an area of less than 90 square meters can apply for a loan of up to 500,000 yuan even if both husband and wife meet the conditions for provident fund loans. At the same time, new jobs are also included.

According to the regulations, starting from 65438+February 1, if employees receive housing subsidies, they can combine the housing subsidies for new employees with the balance of housing provident fund paid by borrowers to calculate the loanable amount of housing provident fund. In other words, if you have 20,000 yuan in your provident fund account, plus 65,438+0,000 yuan of housing subsidies, you can borrow up to 300,000 yuan, whereas in the past you could only borrow up to 200,000 yuan.

According to the entrusted management department, the current provident fund loan amount is calculated according to 10 times of the account balance. According to the previous policy, if the husband and wife have a provident fund account with an area of 900 square meters, 1 10,000 yuan. Now, as long as one party meets the loan conditions, the maximum loan can be 500 thousand.

In addition, in order to further strengthen the management of housing provident fund withdrawal, according to the Regulations on the Management of Housing Provident Fund (Order No.350th of the State Council) and the Reply on the Request for Instructions on Formulating Implementation Opinions on Certain Specific Issues, the relevant information required for employees to withdraw housing provident fund is hereby stipulated as follows:

When employees apply for withdrawal of housing provident fund, they should carry the Wuxi Employee Housing Provident Fund (Housing Subsidy for New Employees) Withdrawal Application Form (affixed with the official seal of the unit), the Wuxi Employee Housing Provident Fund (Housing Subsidy) Reconciliation Card and its password issued by the unit provident fund management department, and provide relevant information according to the following withdrawal scope, and withdraw housing provident fund according to the prescribed withdrawal amount.

(The above answers were published on 20 13-08-25. Please refer to the actual situation for the current purchase policy. )

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