How to calculate the Tianjin provident fund loan limit

1. The maximum limit for Tianjin provident fund loans is 700,000.

The calculation of the housing provident fund loan amount is determined based on four conditions: loan repayment ability, house price ratio, housing provident fund account balance and loan maximum limit. The minimum value calculated based on the four conditions is the borrower's Maximum loan amount available. The calculation method is as follows:

(1) Loan amount calculated based on loan repayment ability

The formula for calculating the employee’s personal loan amount is:

[(borrower’s monthly Total salary (monthly payment and deposit amount of the housing provident fund of the borrower's unit) × loan repayment ability coefficient - total monthly repayment of the borrower's existing loan] × loan term (months).

The formula for calculating the loan amount of the couple is:

[(the total monthly salary of the couple, the monthly housing provident fund payment amount of the employer where the couple works) × the loan repayment ability coefficient - the current amount of the couple Total monthly loan repayment payable] × loan term (months).

The loan repayment ability coefficient is 40.

Total monthly salary = monthly provident fund payment ÷ (unit contribution ratio individual contribution ratio).

(2) Loan amount calculated based on house price

The calculation formula is: loan amount = house price × loan ratio

1. Purchase of commercial housing, Price-limited commodity housing, targeted resettlement of affordable housing, targeted sales of affordable housing or private property housing.

Employee families (including employees, spouses and minor children, the same below) take loans to purchase their first homes (including commercial housing, limited-price commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private property If the building area of ??the purchased house is less than 90 square meters (including 90 square meters), the loan amount shall not exceed 80% of the price of the purchased house; if the building area of ??the purchased house exceeds 90 square meters, the loan amount shall not exceed the price of the purchased house. The price is 70. The price of private housing is the lower of the total purchase price and the appraised price of the house.

How to calculate the Tianjin personal housing provident fund loan amount? Determine based on four conditions

Although the interest rate of provident fund loans is low for commercial loans, there are many things that need to be paid attention to when applying. In addition to being clear about the application conditions and required information, you must also be able to calculate the amount of provident fund loans. Different regions have different calculation methods for provident fund loan amounts. Here we take Tianjin as an example.

How to calculate the Tianjin provident fund loan amount?

The amount of a single provident fund loan in Tianjin is determined based on the minimum value of these four conditions: loan repayment ability, house price ratio, housing provident fund account balance and loan maximum limit. The loan amount applied for should be For an integer of 1,000 yuan, the calculated loan limit value is kept to the thousandth place. If the value is not zero below the thousandth place, add 1 to the thousandth place.

1. According to the loan amount:

If you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 600,000 yuan; if you use your spouse’s housing provident fund to apply for a housing provident fund loan at the same time, the maximum loan limit is The limit is 800,000 yuan.

2. According to the down payment ratio:

If the borrower’s family purchases their own home, the loan ratio shall be ≤80%.

3. According to repayment ability:

[(Total monthly salary of borrower and spouse, monthly deposit amount of housing provident fund of borrower and spouse’s employer) × loan repayment ability coefficient— The monthly repayment amount of the existing loan of the borrower and his spouse]×the number of loan periods (months), of which the loan repayment ability coefficient is 40;

4. Restricted by balance multiple:

1) If the borrower's family purchases limited-price commercial housing or affordable housing, the loan amount shall be ≤ 20 times the balance of the housing provident fund account.

2) If the borrower purchases a first self-owned house with a family loan, the loan amount shall be ≤ 20 times the balance of the housing provident fund account;

3) The borrower purchases a non-first self-owned house with a family loan. If you have a house, the loan amount shall be ≤ housing provident fund account balance × 10 times.

4) If the provident fund account balance is ≤ 20,000 yuan, it will be calculated as 20,000 yuan. If the spouse's quota is used, the provident fund account balance shall be the sum of the housing provident fund account balances of the borrower and his spouse.

Tianjin provident fund loan limit calculation method and provident fund minimum standard regulations

The calculation of provident fund loans is based on four conditions: loan repayment ability, house price ratio, housing provident fund account balance and loan maximum limit To determine, the minimum value calculated from the four conditions is the maximum loan amount that the lender can lend. So how is the Tianjin Provident Fund loan amount calculated, and what is the minimum standard for Tianjin Provident Fund loans? In this article, I will introduce to you the relevant knowledge about the calculation and issuance of Tianjin provident fund loan limit.

Chapter 1 General Provisions

Article 1 is to standardize the management of personal housing provident fund loans and support employees in purchasing, constructing, renovating and overhauling their own homes. According to the "Housing Provident Fund Management Regulations" of the State Council , "Tianjin Municipal Housing Provident Fund Management Regulations" and relevant national regulations, and combined with the actual situation of our city, these measures are formulated.

Article 2 Personal housing provident fund loans refer to housing provident funds as the source of funds, issued to employees who have paid housing provident funds, and are targeted for the purchase, construction, renovation, and overhaul of their own properties within the administrative area of ??this city. Special housing consumption loans for housing. Housing purchased by employees includes commercial housing, price-limited commercial housing, affordable housing, private housing, and public housing property rights.

Article 3: Individual housing provident fund loans are subject to the principles of combining deposits and loans, depositing first and then borrowing, borrowing in whole amounts and repaying in small amounts, and loan guarantees.

Article 4 The Municipal Housing Provident Fund Management Center is the management agency for individual housing provident fund loans in this city. It is responsible for examining and approving individual housing provident fund loan applications and supervising the borrowing and settlement of individual housing provident fund loans.

Article 5: Personal housing provident fund loan financial services shall be handled by commercial banks (hereinafter referred to as "loan banks") entrusted by the Municipal Housing Provident Fund Management Center and designated by the Municipal Housing Provident Fund Management Committee.

Lending banks that handle personal housing provident fund loan business must accept the supervision, assessment and management of the Municipal Housing Provident Fund Management Center.

Article 6 If an employee applies for a personal housing provident fund loan that is not enough to cover the costs of purchasing, constructing, renovating or overhauling a house, he or she may apply for a personal housing loan from a lending bank at the same time, and the lending bank will use the personal housing provident fund loan It is issued to employees in the form of a combination of bank personal housing loans (excluding Sino-German housing savings loans) (i.e., "personal housing provident fund combination loans").

Chapter 2 Loan Objects and Conditions

Article 7 If employee families (including employees, spouses and minor children, the same below) purchase their own housing, employees may apply for personal housing Provident Fund (Portfolio) Loan (hereinafter referred to as "Housing Provident Fund Loan"). If the spouse's housing provident fund is used to apply for a housing provident fund loan at the same time, the spouse must also meet the loan conditions stipulated in these measures.

Article 8: If members of different families purchase a house together, one of the buyers may apply for a housing provident fund loan.

Article 9 Employees applying for housing provident fund loans should meet the following conditions:

(1) Have full capacity for civil conduct, have a stable career and income, and have the ability to repay the principal and interest of the loan , with good credit;

(2) The legal retirement age has not been reached (if the state has other provisions that can be extended, the provisions shall be followed, but the maximum age should be less than 65 years old);

(3) The housing transaction is true, legal and valid;

(4) The housing provident fund account has been opened for more than 1 year, and the housing provident fund has been paid and deposited continuously for 1 year before applying for a housing provident fund loan, and the unit where the housing provident fund is located There is no default in payment;

(5) No housing provident fund loan debt;

(6) The down payment has been paid in accordance with the provisions of these measures;

(7) Agree to provide guarantee in accordance with the provisions of these Measures.

Article 10 If an employee has used his spouse’s housing provident fund to apply for a housing provident fund loan, his spouse cannot apply for a housing provident fund loan before the loan is repaid.

Article 11 If an employee has any of the following circumstances, he or she cannot apply for a housing provident fund loan:

(1) Purchasing a house for a spouse, child, parent or spouse’s parents;

p>

(2) Within two years of divorce, a house is purchased or sold between the employee and the original spouse.

Article 12 If an employee is in arrears with the housing provident fund within 3 months (inclusive) due to a change in the workplace, or if the unit’s housing provident fund deposit base is adjusted incorrectly and the housing provident fund is re-adjusted, the employee shall be in arrears. If you have made up the outstanding housing provident fund when applying for a loan and resumed monthly payment, it will be regarded as continuous payment.

Article 13 When applying for a housing provident fund loan, if the employee or his spouse has one of the following bad credit conditions, the loan will not be approved in principle:

(1) The loan currently has outstanding credit Records of repayment of principal and interest or repayment by the guarantor;

(2) Records of loan extension (extension) or debt repayment with capital in the past 24 months;

(3) Single housing transaction Provident fund loans or unpaid commercial housing loans have a record of more than 6 consecutive unpaid principals and interests in the past 24 months; (4) A single housing provident fund loan has been overdue for more than 24 times in the past 60 months. period;

(5) Due to overdue housing provident fund loans in the past 60 months;

(6) There are bad debts or write-off records;

(7) Listed as a person subject to enforcement for breach of trust in personal credit report.

Chapter 3 Loan Amount, Term and Interest Rate

Article 14 When employees purchase their first self-owned house or public housing property rights, they should pay a down payment of no less than 30% of the purchase price of the house. When purchasing a second self-owned house, a down payment of no less than 60% of the price of the purchased house should be paid.

The loan amount shall not exceed the total purchase price of the house (for privately owned houses, the lower of the total purchase price and the appraised value of the house) minus the down payment specified in the preceding paragraph; among which, the purchase price is economically applicable For housing, the loan amount should not be higher than the difference between the total purchase price and the housing compensation.

Article 15 The loan limit shall not be higher than the amount determined by the multiple of the housing provident fund account balance.

For the purchase of the first self-owned house, the loan amount shall not be higher than 20% of the housing provident fund account balance (if the spouse’s housing provident fund is used to apply for a provident fund loan at the same time, it is the sum of the employee’s and spouse’s housing provident fund account balances, the same below) times, if the balance of the housing provident fund account is less than 20,000 yuan, it will be calculated as 20,000 yuan. For the purchase of a second self-owned house or public housing property, the loan amount shall not be higher than 10 times the balance of the housing provident fund account. If the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.

Article 16 The loan amount shall not be higher than the amount determined according to the calculation formula of the employee (employee and spouse)’s loan repayment ability. The specific formula is as follows:

[(Total monthly salary of the unit) Housing Provident Fund Monthly Payment) × Loan Repayment Ability Coefficient - Existing Loan Monthly Repayment Amount] The amount is the monthly payment due on the loan in your personal credit report.

Article 17 The loan amount shall not exceed the maximum limit of housing provident fund loans.

For those who purchase their first self-owned house, the maximum loan limit is 600,000 yuan; for those who purchase their second self-owned house, the maximum loan limit is 400,000 yuan.

Article 18 The amount of a single housing provident fund loan shall be calculated based on the minimum values ??stipulated in Articles 14 to 17 of these Measures.

Article 19 The value of the loanable limit calculated in accordance with this method is kept to the thousandth place. If the value is not zero below the thousandth place, 1 will be added to the thousandth place.

The loan amount applied by employees should be an integral multiple of 1,000 yuan.

Article 20: For purchasing commercial housing, price-limited commodity housing, and affordable housing, the maximum loan period is 30 years; for purchasing private housing, the maximum loan period is 20 years; for purchasing public housing property rights, the maximum loan period is 20 years. The maximum loan term is 10 years.

The sum of the employee’s age and the loan application period shall not exceed 5 years after the statutory retirement age (if the state provides for an extension otherwise, it shall not exceed 5 years after the extended retirement age, and the maximum age shall not exceed 70 years old) ).

Article 21 The loanable period and amount of housing provident fund loans shall be determined based on the date when the lending bank submits the employee application to the Municipal Housing Provident Fund Management Center.

Article 22 The housing provident fund loan interest rate shall be implemented in accordance with relevant national regulations.

Article 23 Housing provident fund loans shall not be granted to employees who purchase a third or more houses.

Chapter 4 Loan Guarantee

Article 24 Employees shall provide guarantees in accordance with the following provisions:

(1) Purchase of commercial housing that has obtained a use permit ( Or the developer’s house ownership certificate, the same below) for commercial housing, housing mortgage guarantee, guarantee guarantee or pledge guarantee can be used.

(2) The sum of the employee’s age and the loan application period exceeds the legal retirement age (which can be extended if the state stipulates otherwise, exceeding the extended retirement age or over 65 years old) or the purchase of commercial housing has not been approved for use. To certify the property rights of commercial housing, price-limited commodity housing, affordable housing, private housing, and public housing, guarantee guarantee or pledge guarantee shall be used.

Article 25 If the housing mortgage guarantee method is used, the purchased housing must be used as a mortgage when purchasing commercial housing that has obtained a commercial housing permit. Housing that has been mortgaged may not be used for mortgage security.

The borrower (and other property owners and home buyers) must sign a written mortgage contract with the lending bank and handle the housing mortgage registration procedures in accordance with the law.

The present value of a mortgaged house is determined based on the lower of the entire purchase price or the appraised value of the house. The maximum mortgage value shall not exceed 70% of the current value of the mortgaged house.

The mortgagor must properly keep the mortgaged house during the mortgage period, and is responsible for repairing, maintaining, and ensuring that it is in good condition. When the mortgaged property is lost or is announced, the mortgagor should promptly notify the lending bank and Pay off the loan early or change the collateral. After the mortgagor notifies the transferee that the house has been mortgaged and obtains the written consent of the Municipal Housing Provident Fund Management Center and the lending bank, the mortgagor can transfer or lease his own house and the owned part of the property, and the proceeds from the transfer shall be paid to the mortgagor. The lending bank pays off the loan early. The lending bank should supervise and inspect the condition of the collateral.

Article 26 If a pledge guarantee is adopted, employees should use treasury bonds, loan bank deposit certificates and other securities recognized by the Municipal Housing Provident Fund Management Center and the loan bank as pledges.

The pledger must sign a written pledge contract with the lending bank, and the amount of the pledge shall not be less than the principal and interest of the loan amount.

Article 27 If a guarantee is adopted, the borrower must sign a written guarantee contract with the guarantor entrusted by the Municipal Housing Provident Fund Management Center and the lending bank.

Chapter 5 Portfolio Loans

Article 28 Employees who apply for individual housing provident fund portfolio loans (hereinafter referred to as "portfolio loans") must comply with both the present Measures and the personal loan requirements of the lending bank. Relevant regulations on housing loans.

Article 29 In combination loans, the personal housing loan limit of a bank shall be determined by the lending bank itself, and the down payment shall comply with the provisions of Article 14 of these Measures.

Article 30 In combination loans, the bank’s personal housing loan term should be the same as the housing provident fund loan term.

Article 31 The same combination of loans shall adopt the same guarantee method.

Article 32 If a portfolio loan borrower violates the loan contract and fails to perform its obligation to repay the principal and interest of the loan, the lending bank shall handle the collateral and pledges in accordance with regulations, or require the guarantor to perform its guarantee responsibilities. When repaying the principal and interest of the loan, the principal and interest of the housing provident fund loan shall be repaid before the principal and interest of the personal housing loan from the lending bank.

Chapter 6 Loan Application and Repayment

Article 33 Employees applying for housing provident fund loans must submit a written application to the lending bank and truthfully comply with the regulations of the Municipal Housing Provident Fund Management Center and the lending bank. Provide loan application information to the lending bank.

Article 34 The borrower shall repay the principal and interest of the loan according to the repayment method stipulated in the loan contract.

Article 35 If the loan term is within one year (including one year), the repayment method shall be one-time payment of principal and interest upon maturity, and interest will follow the principal.

If the loan term is more than one year, the principal and interest of the loan will be repaid in monthly installments. The borrower can repay the loan in equal amounts of principal and interest or other methods specified by the Municipal Housing Provident Fund Management Center and the lending bank.

The borrower and the lending bank agree on the repayment method in the loan contract, and once determined, it cannot be changed.

Article 36 The borrower will enter the repayment period from the month following the date of bank transfer, and the monthly repayment date shall be the corresponding day of the bank loan issuance date. The borrower should make monthly repayments by entrusting the Municipal Housing Provident Fund Management Center and the lending bank to withhold the payment on the monthly repayment date.

Article 37 The borrower shall apply to the Municipal Housing Provident Fund Management Center to repay the principal and interest of the housing provident fund loan in advance, and the application shall be processed with the approval of the Municipal Housing Provident Fund Management Center. To repay the principal and interest of a bank's personal housing loan in a portfolio loan in advance, an application must be submitted to the lending bank and processed with the approval of the lending bank.

Article 38 The borrower may repay the loan in advance by repaying all the principal and interest of the loan in advance or part of the principal and interest of the loan in advance.

Article 39 During the loan period, the borrower must cooperate with the Municipal Housing Provident Fund Management Center and the lending bank to inspect the loan usage.

Article 40 After the borrower has paid off the principal and interest of the loan, if a mortgage guarantee or guarantee guarantee is used, the mortgage cancellation procedures shall be completed; if a pledge guarantee is used, the lending bank shall return the pledged securities to the loan. people.

Article 41 The specific application materials and procedures for housing provident fund loans shall be formulated by the Municipal Housing Provident Fund Management Center and announced to the public.

Chapter 7 Legal Responsibilities

Article 42 Anyone who obtains a housing provident fund loan or increases the loan amount by using false information about house purchase, marriage or other information shall be ordered by the Municipal Housing Provident Fund Management Center The illegal loan amount shall be returned within a time limit and penalties shall be imposed in accordance with the "Tianjin Housing Provident Fund Management Regulations"; if the loan is not returned within the time limit, the Municipal Housing Provident Fund Management Center may apply for compulsory enforcement by the people.

Article 43 If the borrower has any of the following circumstances, the Municipal Housing Provident Fund Management Center has the right to require the lending bank to stop payment of the loan or to withdraw the entire loan in advance:

(1) The borrower uses fraudulent means to conceal the true situation and provides false certification materials;

(2) The guarantor violates the guarantee contract or loses the ability to assume joint liability, and the collateral is devalued or damaged and is insufficient to repay the principal and interest of the loan. Significantly reduce the impact on the lender's realization of the pledge, but the borrower fails to implement new guarantees or new mortgages (pledges) as required;

(3) Failure to use the loan in accordance with the purposes specified in the loan contract;

(4) Without the consent of the lender, the borrower will set up a mortgage or pledge property or interest, sell, transfer, donate or repeat the mortgage;

(5) The borrower refuses or Obstructing the lender from supervising and inspecting the use of the loan;

(6) Other reasons that affect the repayment of the loan or damage the interests of the lending bank due to the borrower's reasons;

(7) The lending bank Other circumstances agreed with the borrower.

Article 44 If the borrower misappropriates the loan for other purposes, the lending bank has the right to charge interest on the misappropriated portion in accordance with the provisions of the People's Bank of China.

Article 45 If the borrower fails to repay the principal and interest of the loan as stipulated in the loan contract, interest will be charged on the overdue portion in accordance with the relevant regulations of the People's Bank of China.

Article 46 If the borrower fails to repay the principal and interest of the loan on time for three consecutive months or for a cumulative six months, and the borrower dies, is declared missing, or emigrates abroad before the termination of the loan contract, his legal heirs or If the legatee refuses to repay the principal and interest of the loan or is unable to repay the principal and interest of the loan, the lending bank has the right to work with the relevant departments to dispose of the mortgages and pledges or require the guarantor to assume joint and several liability.

Article 47 The lending bank shall handle the mortgaged property or pledged property in accordance with relevant regulations, and the proceeds will be distributed in the following order:

(1) Payment of the mortgaged property auction fee and processing of the mortgage Other expenses related to the real estate or related expenses for handling the pledged property;

(2) Deduct the taxes payable on the mortgaged real estate;

(3) Return the principal and interest of the housing provident fund loan owed by the borrower and pay liquidated damages;

(4) compensate for the damage caused to the Municipal Housing Provident Fund Management Center and the lending bank due to the borrower's breach of contract;

(5) return the remaining amount to the mortgagor or pledger.

When the amount obtained from the disposal of the mortgaged property or pledged property is insufficient to pay the principal and interest of the loan, liquidated damages, and compensation, the lending bank has the right to pursue the shortfall from the borrower.

Chapter 8 Supplementary Provisions

Article 48 When the loan contract needs to be terminated or modified during the repayment period, the borrower and the lender must negotiate and agree. If a guarantee is used, the loan contract must also be levied. With the consent of the guarantor, a modification contract shall be signed in accordance with the law. Before the modified contract is reached, the original loan contract will continue to be valid.

Article 49: When a dispute occurs, it should be resolved through negotiation. If negotiation fails, the parties may apply to the arbitration committee for arbitration or file a lawsuit with the people.

Article 50 When constructing, renovating, or overhauling self-owned housing, the loan conditions, amount calculation, term, interest rate, etc. for applying for housing provident fund loans shall be the same as those for purchasing public housing property rights.

To build, renovate, or overhaul self-owned housing, you can apply for a housing provident fund loan using mortgage guarantee, guarantee guarantee or pledge guarantee. Those who use mortgage guarantee should use their other self-owned housing as collateral. Other provisions for loan guarantees are consistent with those for purchasing an owner-occupied home.

Article 51 The Municipal Housing Provident Fund Management Center shall actively implement information networking with housing management, civil affairs, loan banks and other institutions, promote online loan application and loan repayment business, and provide convenience for employees to apply for housing provident fund loans. , efficient service.

Article 52 Hong Kong, Macao and Taiwan compatriots and foreigners employed in this city shall apply for housing provident fund loans in accordance with these Measures and relevant regulations.

Article 53 These Measures will come into effect on February 1 and will be abolished on January 31, 2024. "Tianjin Municipal Provident Fund Loan Management Measures" (Tianjin Provident Fund Commission [2009] No. 8), "Notice on Adjusting the Credit Review Standards for Individual Housing Provident Fund Loans" (Tianjin Provident Fund Commission [2012] No. 11), "Notice on Adjustment in Advance "Notice on Relevant Policies for Repayment of Housing Provident Fund Portfolio Loans" (Tianjin Provident Fund Commission [2014] No. 7), "Notice on Adjustments to Relevant Policies for Individual Housing Provident Fund (Portfolio) Loans" (Tianjin Provident Fund Commission [2015] No. 5), "Notice on Adjustments "Notice on Policies Related to Personal Housing Provident Fund (Portfolio) Loans" (Tianjin Provident Fund Commission [2016] No. 5), "Notice on Adjusting the Down Payment Ratio of Individual Housing Provident Fund (Portfolio) Loans" (Tianjin Provident Fund Commission [2016] No. 6), The "Notice on Adjusting the Down Payment Ratio of Individual Housing Provident Fund (Portfolio) Loans" (Tianjin Provident Fund Committee [2017] No. 5) will be abolished on the date of implementation of these measures.

What is the maximum loan amount that Tianjin Housing Provident Fund can borrow?

The maximum housing provident fund loan limit shall not exceed 70% of the total house payment.

Provident Fund Loan Amount

1. Personal Provident Fund Loan Amount

(Borrower’s total monthly salary, borrower’s unit’s monthly housing provident fund deposit amount) × loan repayment Ability coefficient - the total monthly repayment of the borrower's existing loan × loan term (months)

2. Use the spouse's provident fund loan amount

(the total monthly salary of both spouses, the employer where both spouses work) Housing Provident Fund Monthly Payment Deposit) × Loan Repayment Ability Coefficient - Total Monthly Repayment of the Couple’s Existing Loans × Loan Term (Months)

The loan repayment ability coefficient is 40, total monthly salary = monthly provident fund payment Amount ÷ (unit payment ratio and individual payment ratio)

3. Loan amount calculated based on house price

Loan amount = house price × loan percentage, in which the loan percentage is based on the purchase price Determined by the different types of houses to be built and the number of mortgages.

Extended information

Process of applying for housing provident fund loan

1. Submit information

The borrower should go to the provident fund management center where he or she deposits the provident fund. When the affiliated management department applies for a provident fund loan and chooses the guarantee center to provide guarantee, it should submit all the materials required for personal loan application including the materials required for guarantee application, including personal and spouse’s ID cards, household registers, marriage certificates, and divorce certificates , proof of down payment for house purchase, house purchase contract, housing provident fund deposit certificate, etc.

2. Review Notice

After the management department passes the preliminary review of the loan application, it will issue a "Guarantee Application Review Notice" "Order", print out the "Loan Contract", "Mortgage (Counter Guarantee) Contract" and other relevant legal documents, and submit all personal loan information to the Guarantee Center

3. Approval

The Guarantee Center The guarantee application will be reviewed. If the borrower meets the guarantee conditions, the Guarantee Center will issue a "Guarantee Application Approval Letter". If the borrower entrusts an intermediary agency to handle the provident fund loan, the agency will be responsible for the guarantee application procedures and collect the guarantee service fee.