To apply for provident fund loans, the following basic conditions shall be met:
1, with full capacity for civil conduct;
2, provident fund deposit certificate (or
3. Identity cards, household registration books and proof of marital status of the applicant and spouse;
4. Employees who are single or above must be paid normally for more than six months (inclusive), and the monthly housing provident fund paid reaches the amount announced by the CMC.
5, workers in the purchase, construction, renovation, overhaul occupied housing behavior within five years (inclusive), can apply for housing loans;
6. When employees apply for loans for the first time and the second time, they need to pay more than 20% (inclusive) of the purchase price.
7 have the ability to stabilize the principal and interest of economic funds.
2. Right: What are the requirements for provident fund loans? What are the requirements for the balance in the card?
How much is the loan deducted each time? If it is not enough, you can save it yourself. You can communicate with the bank here to see if there is any mistake, resulting in insufficient deposits.
Third, the provident fund loan to buy a house. How much is the balance in my account before I can buy it?
Provident fund loan to buy a house
To buy a house with a provident fund loan, it is required to pay the provident fund for half a year or more, and the balance inside is more than 5,000 yuan, so as to be eligible for loans guaranteed by housing and wages.
Housing provident fund loan amount:
1, not more than 40 times the account balance. For example, the account balance is 7500, and the maximum loan amount is 750040 = 300000;
2. Not higher than the prescribed calculation formula, that is, 50% of the monthly payment base is 12 loan period. For example, if the monthly payment base is 3,000 and the loan is divided into 20 years, then 300,050%1220 = 360,000, then the maximum loan amount is 300,000;
3. Loan amount: two or more people participate in the loan, and the maximum loan for the basic provident fund is 600,000.
Extension:
Provident fund refers to housing provident fund, which is a housing security system and a form of monetization of housing distribution. Sometimes it refers to the company's provident fund.
From July, 20 17 1 day, the transfer and connection of housing provident fund in different places are all handled through the "National Platform for Transfer and Connection of Housing Provident Fund in Different Places". Gradually realize "accounts go with people, money goes with accounts". At the same time, we will vigorously promote off-site loan services to meet the funding needs of paid employees for cross-regional housing purchases.
20 16, 18 On February 8th, according to the Notice of the Central Bank, the Ministry of Housing and Urban-Rural Development and the Ministry of Finance on Perfecting the Formation Mechanism of Deposit Interest Rate in Employees' Housing Provident Fund Account, the deposit interest rate in employees' housing provident fund account was adjusted from the current benchmark interest rate for current and three-month deposits divided by collection time to the unified benchmark interest rate for one-year time deposits on February 2nd.
4. Is there any requirement for the balance of personal provident fund loans?
The amount of provident fund loan is related to the balance in the card.
The loanable formula is:
Monthly contribution of loan employees to provident fund ÷ ratio of contribution of loan employees to provident fund × repayment ability coefficient (currently 0.45)× 12× actual loanable years.
The loan amount of housing provident fund is linked to the account balance. At present, the maximum multiple has been relaxed from 15 to 40. The loan amount is 200,000 yuan (excluding the supplementary provident fund loan amount), and there must be at least 5,000 yuan in the housing provident fund account. In addition, the borrower must continuously deposit the housing provident fund for 6 months before applying for a loan.
Specifically:
(1) The loan amount cannot exceed the maximum amount of a single housing provident fund loan.
(2) The specific loan amount and term must meet the requirements of single maximum loan amount, maximum loanable loan amount and minimum down payment.
The housing provident fund loan amount is calculated as follows:
(1) Calculate the loan amount of housing provident fund according to the repayment ability, and the calculation formula is:
[(Total monthly salary of the borrower or husband and wife, monthly contribution of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient-monthly repayment amount of existing loans of the borrower or husband and wife]
× 12 (month )× loan term. Among them, the repayment ability coefficient is 40%, and the monthly repayment amount of the existing loan is the monthly repayment amount of the loan in the personal credit report of the borrower or husband and wife. Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).
The formula for calculating the loan limit of housing provident fund according to the house price is:
Loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired. For the purchase of commercial housing, if the construction area exceeds 90 square meters, the loan amount shall not exceed 70% of the purchased house price, and if the construction area is less than 90 square meters (inclusive), the loan amount shall not exceed 80% of the purchased house price;
Purchase of private housing, targeted sales of affordable housing, fund-raising for building, public existing housing, construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the housing purchase price (housing evaluation value) or the cost of housing construction, renovation and overhaul.
(3) According to the maximum loan amount, the maximum loan amount of housing provident fund is 400,000.
(4) The loan limit determined according to the multiple of the storage balance of the housing provident fund account shall not be higher than the loan limit determined according to the 20 times of the storage balance of the housing provident fund account of the borrower or husband and wife. If the balance of the housing provident fund account of the borrower or husband and wife is less than 6,543.8+0,000 yuan, it shall be calculated as 6,543.8+0,000 yuan.