The amount of provident fund loan refers to the largest loan account that individuals can apply for when using provident fund loans, and employees who have established the housing provident fund system for more than 6 months and paid the housing provident fund according to regulations can only enjoy provident fund loans for the purchase and construction of housing or renovation and overhaul.
According to the repayment ability, the proportion of the house price and the housing situation, the four situations are the maximum loanable amount of the borrower.
The monthly salary base of housing provident fund is calculated according to the housing, spouse and personnel involved in calculating the loan amount) ×35%× 12 months× loan period (up to fifteen years). Monthly payment = loan amount ((1 interest rate)).
The formula is very complicated. The word "the power of the number of periods" here is the power of the number of months to be borrowed. For example, the loan of 10 is 1, which is calculated according to the current original loan interest rate. If the adjustment is made in that year, the adjustment of the payment amount will be implemented in the second year 1.
"Regulations on the management of housing provident fund" Twentieth indoor storage balance, the unit shall verify, and issue a certificate of extraction.
Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures. Legal basis: Article 3 of the Regulations on the Management of Housing Provident Fund, the housing provident fund paid by individual employees belongs to individual employees. Fourth housing provident fund management to implement the operation of housing provident fund management center, the bank
Second, the housing provident fund loan amount
1, a natural person of China nationality with full capacity for civil conduct; 2. Have legal status and can provide ID card, residence booklet, passport and military officer's card (foreigners also need to provide temporary residence permit). 3. Have legal and stable economic income, good credit and no criminal record, have the ability to repay the loan principal and interest on time, and have non-agricultural registered permanent residence. 5. The house purchased by foreigners should also meet the following conditions: the private property that has obtained the house ownership certificate is used for residential houses, and the property rights are clear. Unsecured and unrestricted transfer. The loan term and percentage meet the following conditions: loan term, house age, loan term, borrower age, loan amount 1. Information required for loan: 1. The borrower's valid ID card, household registration book and hand stamp. Unmarried requires a marriage certificate (indicating unmarried). If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate (the husband and wife are not in the same household registration). If you divorce, you need a marriage certificate (indicating that you have not remarried) and a divorce certificate. 2. The borrower's income certificate (it needs to be stamped with the official seal of the unit or the seal of the labor department and filled in completely and truly). 3. The Seller's valid ID card, household registration book, hand stamp and house ownership certificate. Land use right certificate (II) Loan procedures A: mortgage loan 1, connector 2, appraisal fee = 0.5% of appraisal price 2 appraisal working days 3. Loan Approval (Audit by Guarantee Company) The Credit Department informs the customer to go through the loan examination procedures at the designated bank, and the borrower and relevant personnel must be present in person for 7 working days to conduct the loan examination and approval. 4. After the transfer bank is approved, notify the buyer and the seller to go through the transfer formalities at the Housing Authority. 5. The transfer personnel who have obtained the license should go to the Housing Authority to obtain the license on the specified date. 6. The lender will hand over the warrant to the bank and release the loan within 3 working days. After receiving the loan and completing the loan procedures, the warrant department will hand over all the documents to the signing center, and the signing center will handle the closing procedures with the customer. China merchants bank mortgage 1. Materials required for loan application: Seller: property owner's ID card, household registration book, signature, house ownership certificate and land use right certificate; Buyers: ID card, household registration book (marriage certificate is required when husband and wife are not in the same household registration), divorce certificate, stamp, personal income certificate (China Merchants Bank and guarantee company version), and temporary residence permit for foreigners. Ii. loan related conditions: 1. Conditions to be met for the purchased house: the house with private property right that has obtained the Property Ownership Certificate is used for the residential house with clear property right, no mortgage and unlimited transfer. 2. Determination of loan term: loan term < 30 years (house age = year of loan processing-year of house completion 1) Loan term < 60 years (male); < 55 (female) (civil servants and teachers can provide proof that it can be extended for 5 years) 3. The loan amount is accurate: the loan amount is less than 70% of the mortgage value. For houses with an area of less than 50 square meters, the maximum loan ratio is 50% (subject to the mortgage value). The maximum loan ratio for a house with an area of 50-60 square meters is 60% (subject to the mortgage value). For houses with an area of more than 60 square meters, the maximum loan ratio is 70% (subject to the mortgage value). 50% (the mortgage value of the house is based on the principle of the lower transaction price and evaluation price) III. Loan-related procedures: 1, receipt 2, appraisal fee = 0.5% of the appraised value, 2 appraisal working days 3, purchase 4, field investigation guarantee fee of guarantee company = total loan principal and interest 200 (guarantee company fee) 5. Bank face-to-face witness fee = loan amount 65438+. Attorney's fees) The Warrant Department informs the customer to go through the examination and approval procedures at the designated bank, and the borrower and related parties need to be present in person for loan examination and approval within 7 working days. 6. After the transfer bank is approved, notify the buyer and the seller to go through the transfer formalities at the Housing Authority. 7. The evidence transfer personnel will go to the Housing Authority to collect the warrants on the specified date. 8. Housing loan personnel will hand over the warrants to the bank for 3 working days to lend money. 9. After the loan is settled and the loan procedures are completed, the Certificate Department will hand over all documents to the signing center. The contracting personnel shall go through the closing formalities with the customer. 4. Remarks: 1. The borrower must be a non-agricultural registered permanent residence, with legal and stable income, good credit, no criminal record and the ability to repay the principal and interest of the loan on schedule. 2. If the borrower is the third loan in his name, the interest rate shall be subject to the national benchmark interest rate. 3. If the borrower is unmarried, a repayment partner or guarantor is required. 4. If the borrower is married, the spouse is required to be the repayment partner. 5. If the borrower is a foreigner or the credit reliability is not enough, it is necessary to provide a guarantor. The loan process of CCB's individual housing provident fund (portfolio): the materials required by the buyer and the seller: the property owner's ID card, household registration book, handprint, real estate license and land use certificate. Buyer: borrower's ID card, household registration book, stamp, provident fund card and inquiry form; If the borrower is married, it shall provide the spouse's ID card, household registration book and handprint (the husband and wife do not provide the marriage certificate of the same household registration); If the husband and wife have double loans, the borrower's spouse should provide the provident fund card and inquiry form in addition to the above information; If the portfolio loan exceeds the repayment ability of the provident fund, it is also necessary to provide the borrower's "Certificate of Fixed Economic Income of Employees" (CCB Edition). Loan related conditions: 1. The purchased house shall meet the following conditions: 1) The private property that has obtained the house ownership certificate is designed for residential use; 2) The property right of the house is clear, unsecured and unrestricted; 2. Determination of the loan term: 1) Loan term The borrower's age is ≤65 (male) ≤60 (female); 2) The term of the provident fund loan cannot exceed 20 years; 3. Determination of loan amount The following four items are minimum: 1) Calculation of repayment ability: loan amount = monthly payment/(unit deposit ratio personal deposit ratio) (repayment ability coefficient unit deposit ratio) 12 loan period; (The loan term is 1- 10 years, and the repayment ability coefficient is 0.35, 1 1-20 years. The coefficient is 0.40)2) House price calculation: loan amount = 80% of the mortgage value of the house (the mortgage value of the house is based on the principle of lower transaction price and evaluation price) 3) Card balance calculation: loan amount = 4) Calculation of the maximum loan amount: the maximum loan amount is 250,000 and the proportion of housing provident fund deposit has been increased (higher than 8%) before applying for housing provident fund loan or the supplementary housing provident fund (or monthly housing subsidy) has been paid in full every month for more than 6 consecutive months. 4. On-the-job personnel who have paid the housing provident fund in full and continuously for six months before applying for a loan and have full capacity for civil conduct. Cost: 1, appraisal fee = appraisal value 5‰ (appraisal company fee) 2, insurance premium = loan amount, property loss rate, property loss coefficient (insurance company fee) 3, repayment in the first month = loan amount (bank fee) 4, other fees 100 yuan loan process: collection →→→→→ issuance of appraisal report (RMB). Transfer → take other items (depending on the housing management bureau of each district) → return other items to the bank, apply for insurance on the same day and give them to the bank → the center approves the house payment → the bank lends money (about two weeks) →→→ the end.
3. How to calculate the loan amount of Heze provident fund?
Recently, many people are confused about the content of Heze provident fund loan quota calculation formula. In view of this problem, I have compiled the following contents, hoping to help you answer questions.
The loan amount of the borrower is calculated according to the following formula:
1. Provident fund loan amount _ current balance of provident fund account ×3 current monthly deposit amount × total number of months from current to legal retirement age ×2
2. The sum of the borrower's loan term and the borrower's age generally does not exceed the borrower's legal retirement age. However, if the borrower has a stable income and a good reputation, and has continuously paid the provident fund for more than 5 years, the loan period may be extended by 1-5 years, but the longest period shall not exceed.
The monthly repayment amount of the borrower's total loan shall not exceed 50% of the family's monthly income and shall not be less than 30% of the family's monthly income. If the repayment amount exceeds 50%, it can be handled by extending the loan term, reducing the loan amount or providing other income certificates, and other income needs to provide normal tax payment certificates when necessary; If the repayment amount is less than 30%, the loan term should be shortened.
Four. 202 1 Heze provident fund loan amount?
(1) If the loan applicant pays the provident fund uniformly by the employer, the maximum loan amount paid by a single employee to the family is 300,000 yuan, and the maximum loan amount paid by a dual employee to the family is 500,000 yuan.
(two) if the loan applicant is an individual industrial and commercial household or a freelancer, the maximum loan amount for a single employee is 200,000 yuan, and the maximum loan amount for a dual employee is 400,000 yuan.
(3) When applying for a loan, if the borrower's spouse is in any of the following circumstances, the loan amount shall be calculated according to the single employee's household deposit:
1. The applicant's spouse has a provident fund withdrawal record within 6 months;
2. The applicant's spouse is in arrears with the provident fund for 3 months or more or has been in arrears with the provident fund for 6 months or more in the latest year.