The details of provident fund loans are as follows:
1. If you apply for provident fund loans for the first suite, the maximum loan amount is 6, yuan. If the building area of the purchased house is less than 144 square meters, the maximum loan ratio will not exceed 8% of the total house price, and the minimum down payment ratio will be reduced to 2%; If the building area is over 144 square meters, the maximum loan ratio shall not exceed 7% of the total house price, and the minimum down payment ratio shall be 3% of the total house price.
2. If you apply for provident fund loans for buying a second suite and the existing housing area of Wuhan employees' families is less than 144 square meters, the maximum loan amount is 6, yuan, which is less than 4% of the total housing price. If the housing construction area is less than 144 square meters, the minimum down payment ratio will be reduced to 2%, and if the building area is more than 144 square meters, the minimum down payment ratio will be 3% of the total housing price.
housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
The monthly deposit amount of provident fund mainly affects the loan balance of provident fund, and the balance of provident fund account is affected by the monthly deposit and deposit time of provident fund. Under normal circumstances, the amount of provident fund loans mainly depends on the balance and multiple of the provident fund account. The rules for the amount of provident fund loans are different in different regions. Some regions are 15 times the balance of the provident fund account, and some only require 2 times the balance of the provident fund account. In addition, it must be within the maximum loan range of the local provident fund management center.
application conditions for provident fund loans: the applicant must pay the provident fund for more than one year in his unit, pay off all the provident fund loans, have no bad credit records, sign a commercial housing sales contract, and the sum of the applicant's age and the loan period must be less than 7 years old.
the provident fund is a house purchase savings fund set up to solve the problem of insufficient funds when the insured purchases a house. After paying the provident fund equivalent to their wages, employees can offset certain housing loans when buying houses or paying rent.
Legal basis:
Article 47 of the Labor Contract Law of the People's Republic of China * * * The economic compensation shall be paid to the employee according to the number of years he has worked in this unit and the standard of paying one month's salary for each full year. If the period is more than six months but less than one year, it shall be counted as one year; if the period is less than six months, the laborer shall be paid economic compensation of half a month's salary. If the monthly salary of a worker is three times higher than the average monthly salary of employees in the local area published by the municipal people's government of the municipality directly under the central government or the city divided into districts where the employer is located, the standard for paying economic compensation to the employee shall be three times the average monthly salary of the employee, and the maximum period for paying economic compensation to the employee shall not exceed 12 years. The monthly salary mentioned in this article refers to the average salary of workers in the twelve months before the dissolution or termination of the labor contract.