What is the maximum loan amount of provident fund?
Use my housing provident fund to apply for a loan with a maximum loan amount of 400,000 yuan; At the same time, use the spouse housing provident fund to apply for a maximum loan of 600,000 yuan; If I use my housing provident fund to apply for a loan, and I pay the supplementary housing provident fund normally, the maximum loan amount is 500,000 yuan. First of all, go to the local housing management department to issue a housing information inquiry letter and a personal credit report of both husband and wife.
Then go to the window of the provident fund management center to get the Application Form for Personal Provident Fund Loan, fill in the information such as house purchase information, personal information, loan application (how much to borrow, how long the term is, your family income), and provide guarantee information, ID card, copy of marriage certificate and unit seal, and submit it to the provident fund management center for review.
What should be paid attention to in provident fund loans?
1. Previously, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund. This new provident fund policy has relaxed the application conditions of housing provident fund, not only requiring all localities to realize mutual recognition and transfer of housing provident fund in different places, but also canceling a number of fees. This makes it easier for employees to use the provident fund or enjoy more benefits.
2. According to experts' analysis, the provident fund reform and the new mortgage policy of the central bank will form a combination boxing, which will stimulate demand, especially home ownership and secondary improvement demand. However, in real life, many property buyers often have some misunderstandings in the process of using provident fund loans to buy a house.
3, the purchase, construction, renovation, overhaul occupied housing; Repay the principal and interest of the owner-occupied housing loan; Rent expenditure exceeds 5% of family wage income; Living in difficulties and receiving urban living allowance; Encounter unexpected events, causing serious difficulties in family life; Under other circumstances stipulated by Beijing Housing Provident Fund Management Committee, the provident fund may be withdrawn. In addition, we should also make plans and psychological preparations before preparing a loan to buy a house.
4. First of all, whether it is necessary to evaluate your assets when buying a house with a loan. First of all, it is necessary to comprehensively evaluate the existing economic strength of families, including deposits and realizable assets; Secondly, investors also need to make reasonable expectations for the family's future income and expenditure. In addition, investors should also pay attention to their repayment ability and loanable amount, which is an important basis for determining loanable amount.
After reading the introduction of this article, we have already understood the maximum loan amount of the provident fund. If I use my housing provident fund to apply for a loan, the maximum amount is 400,000 yuan, and if I use my spouse's housing provident fund to apply for a loan, the maximum amount is 600,000 yuan. Therefore, we can choose according to the specific amount when choosing, and we also know what to pay attention to in provident fund loans.