1. Policy adjustment: The amount of housing accumulation fund withdrawn by employees without housing in our city to pay the rent of commercial housing shall not exceed 1800 yuan for unmarried employees and 1200 yuan for married employees, and shall be adjusted to unmarried employees 1200 yuan for married employees and couples, and shall not exceed 2,400 yuan.
2. Policy adjustment: the maximum loanable amount of housing provident fund loans in our city is adjusted from 300,000 yuan/person and 600,000 yuan/household for both husband and wife to 500,000 yuan/person and 654.38+00,000 yuan/household for the first set of self-occupied housing; The purchase of a second house is still in accordance with the original provisions.
1. Policy adjustment: The amount of housing accumulation fund withdrawn by employees without housing in our city to pay the rent of commercial housing shall not exceed 1800 yuan for unmarried employees and 1200 yuan for married employees, and shall be adjusted to unmarried employees 1200 yuan for married employees and couples, and shall not exceed 2,400 yuan.
2. Policy adjustment: the maximum loanable amount of housing provident fund loans in our city is adjusted from 300,000 yuan/person and 600,000 yuan/household for both husband and wife to 500,000 yuan/person and 654.38+00,000 yuan/household for the first set of self-occupied housing; The purchase of a second house is still in accordance with the original provisions.
How to supplement the qualification and quota of provident fund loans? Who knows about provident fund loans?
Eligibility for supplementary provident fund loans 1. If the applicant for the first loan is unmarried and fails to pay the supplementary provident fund, the maximum amount of the first provident fund loan application is 300,000, and if the supplementary provident fund is paid, the maximum amount of the provident fund loan application is 400,000. 2. For the first time, if both husband and wife have provident fund, the upper limit for applying for provident fund loans for the first time is 600,000; For one party, the upper limit is 700,000; For both parties, the upper limit is 800,000. 3. If the upper limit of secondary provident fund loans is less than 400,000 per capita, the upper limit of supplementary provident fund application is 600,000, and the interest rate is 1. 1 times.
How much can the provident fund loan?
Provident fund loans can be borrowed 500 thousand.
Generally, one person applies for a housing provident fund loan with a maximum loan amount of 500,000, and two or more people apply for a housing provident fund loan with a maximum loan amount of 800,000.
Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of personal housing provident fund loans in Guangzhou is 500,000 yuan, and the maximum amount of housing provident fund loans in Beijing is 800,000 yuan. If the rating is 3A, it can reach 800,000 (130%) =1040,000.
Information on handling housing provident fund loans:
(1) Employee's and spouse's ID card, original household registration book, original marriage certificate or marital status certificate, and housing provident fund card.
(2) The original sales contract (the purchase of second-hand houses must also provide the house ownership certificate, state-owned land use certificate, People's Republic of China (PRC) and deed tax payment certificate).
(3) The down payment certificate issued by the selling unit.
(4) The letter of commitment signed by the borrower and the letter of commitment that the loan bank can inquire and print the personal credit report through the credit information system of the People's Bank of China.
Yizheng LAM Raymond provident fund loan bank
The loan amount of LAM Raymond Provident Fund in Yizheng City is 350,000 yuan. According to relevant information, the current housing provident fund loan amount in our city is 350,000 yuan, and the loan amount of unmarried or single borrowers does not exceed 2 1 10,000 yuan. If the borrower's spouse is an active serviceman, the loan amount can be calculated as a dual employee.
Wuhan provident fund loan amount
The following minimum standards shall be implemented for the amount of provident fund loans:
1, not higher than the loan limit determined by the borrower's repayment ability. The calculation formula is: the sum of the monthly deposit base of the housing accumulation fund of the borrower and his spouse (or unmarried children) ×40%× 12× loan period.
2. The purchase, construction, renovation and overhaul of the first set of ordinary self-occupied housing, if the construction area in Xing Tao is below 90 square meters (inclusive), the loan amount is not higher than 80% of the total price, and if the construction area in Xing Tao is above 90 square meters, the loan amount is not higher than 70% of the total price; The purchase, construction, renovation and overhaul of the second set of ordinary self-occupied housing shall not be higher than 40% of the total price. The total purchase price of finely decorated houses does not include interior decoration expenses.
3. If the borrower and his spouse (or unmarried children) meet the loan conditions, the maximum amount of each loan shall not exceed 400,000 yuan, and the amount below 6,543,800 yuan may be relaxed to 6,543,800 yuan; If only one person meets the loan conditions, the maximum amount of each loan shall not exceed 200,000 yuan, and the amount below 50,000 yuan may be relaxed to 50,000 yuan.
4. The loan amount of housing provident fund plus the withdrawal amount shall not exceed 80% of the total purchase price.
5. The accumulated loan amount shall not exceed the loan limit calculated according to the current housing provident fund loan policy.
Legal basis: Regulations on the Management of Housing Provident Fund Article 2 These Regulations are applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.