(a) Wenzhou Housing Provident Fund Management Committee to determine the maximum amount of individual housing provident fund loans in each administrative region.
(2) The monthly repayment amount calculated according to the repayment ratio of 50% of the monthly wage income of the borrower and spouse paid into the housing provident fund, and thus the loan amount calculated according to different repayment methods. The repayment ratio in these Provisions refers to the proportion of monthly repayment of loan principal and interest to wage income.
(three) the total price of the purchased self-occupied housing or the total cost of the construction, renovation and overhaul of the self-occupied housing multiplied by the specified loan ratio to calculate the maximum loan amount. Among them, the total amount of second-hand house payment is calculated according to the low value of the declared amount of house payment and the deed tax amount.
(four) the highest mortgage value calculated by multiplying the assessed value of the purchase, construction, renovation and overhaul of self-occupied housing by the prescribed loan ratio. If the unit price of purchased owner-occupied housing exceeds the reasonable range of the published average transaction price of housing, or the unit project cost of building, renovating or overhauling owner-occupied housing exceeds the construction project cost quota, an evaluation report shall be provided in accordance with these Provisions, and the maximum mortgage value shall be calculated according to the evaluation value.
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.
From July, 2065438 to October, 2065438, all housing provident fund management centers across the country will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
Nature:
(1) security, the establishment of employee housing provident fund system, which provides a guarantee for employees to solve housing problems faster and better;
(2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form mechanisms and channels for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund;
(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.