Wuhan provident fund loan amount

The provident fund loan amount is subject to the following minimum standards:

1. Not higher than the loan limit determined according to the borrower's repayment ability. The calculation formula is: the sum of the monthly deposit base of the housing provident fund of the borrower and his spouse (or an unmarried child) ×4%×12× the loan period.

2. For the purchase, construction, renovation and overhaul of the first set of ordinary self-occupied housing, the loan amount shall not be higher than 8% of the total price if the Taoxing construction area is less than 9 square meters, and the loan amount shall not be higher than 7% of the total price if the Taoxing construction area is over 9 square meters; The purchase, construction, renovation and overhaul of the second set of ordinary self-occupied housing shall not be higher than 4% 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 an unmarried child) meet the loan conditions, the maximum amount of each loan shall not exceed 4, yuan, and the amount below 1, yuan may be relaxed to 1, yuan; If only one person meets the loan conditions, the maximum amount of each loan shall not exceed 2, yuan, and the amount below 5, yuan may be relaxed to 5, yuan.

4. The loan amount of housing provident fund plus the withdrawal amount shall not exceed 8% 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 the people's Republic of China. The term "housing provident 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, social organizations (hereinafter referred to as units) and their employees.

The loan amount of Wuhan housing provident fund will teach you how to calculate in two minutes.

Users often ask Xiaobian, what is the loan amount of Wuhan housing provident fund? Then, what is the loan amount of Wuhan housing provident fund now, and what are the policies about Wuhan housing provident fund? For this reason, Xiaobian will give you a summary:

Wuhan housing provident fund loan amount

First, the maximum loan limit of Wuhan provident fund is 6,.

1) The maximum amount of provident fund loan for the first home is still 6, yuan. The loanable proportions are as follows:

(1) The highest proportion of housing provident fund loans for purchasing the first self-occupied housing is a first-hand housing (including commercial housing, fund-raising housing and affordable housing): if the construction area is less than 9 square meters (inclusive), the highest proportion shall not exceed 8% of the total price of the purchased housing; If the construction area is more than 9 square meters, the maximum proportion shall not exceed 7% of the total price of the purchased house.

(2) The highest proportion of housing provident fund loans for purchasing the first self-occupied house is a second-hand house: if the purchased house is completed within 1 years (including 1 years) and the construction area is less than 9 square meters (including), the highest proportion of loans shall not exceed 8% of the total house price; If the construction area is more than 9 square meters, the maximum loan ratio shall not exceed 7% of the total housing price; The completion time of the purchased house is within 11-2 years (including 2 years), and the maximum loan ratio shall not exceed 6% of the total house price; The completion time of the purchased house is within 21-3 years (including 3 years), and the maximum loan ratio shall not exceed 5% of the total house price.

(3) The highest proportion of housing provident fund loans for the purchase of a second house (including first-hand houses and second-hand houses) shall not exceed 4% of the total housing price in accordance with the relevant provisions of the Notice of the General Office of the State Council on Further Improving the Regulation of the Real Estate Market (Document No.1 [211] of the State Council).

2) The maximum amount of the second-home provident fund loan is "6, yuan after deducting the first used housing provident fund loan."

For example, Mr. Zhang once used the provident fund loan of 2, yuan to buy the first suite, and now he meets the loan conditions for the second suite. However, the maximum loan amount for his second suite is only 4, yuan, which is 6, yuan less the used 2, yuan.

ii. formula for calculating the personal loan amount of provident fund

the loan amount of the lender shall not be higher than the loan amount determined according to the repayment ability. According to the regulations, each lender can make different loans according to the amount of provident fund, and the results need to be calculated according to the amount, proportion and loan period. There are two calculation methods: (the minimum loanable amount is the personal loanable amount in the following two calculation methods)

1) Calculated according to the actual repayment ability. The loan amount does not exceed the borrower's repayment ability, and the calculation formula is: loan amount = (the borrower's monthly contribution to the provident fund/the sum of the proportion of units and individuals' contributions to the spouse's provident fund/the sum of the proportion of units and individuals' contributions) ×45%×12 months× the loan period.

loan period: not more than 3 years for first-hand houses and not more than 2 years for second-hand houses.

2) according to the housing provident fund deposit status. The loan amount is comprehensively determined according to the borrower's provident fund deposit time and deposit balance, and the calculation formula is: loan amount = (borrower's provident fund deposit balance spouse's provident fund deposit balance) ×2 times× borrower's provident fund deposit time coefficient; Provident fund deposit account must be a normal deposit account.

Provident Fund Calculator:

Wuhan Provident Fund Loan Policy

Interpretation of the new policy of Wuhan Provident Fund Loan:

The time for raising the amount of Wuhan Provident Fund loan is shortened to 6 months

The conditions for Wuhan Provident Fund loan are relaxed

1. Parents who have not paid the provident fund but have difficulties in housing can apply for provident fund loans in the name of their children if they purchase affordable housing; Parents and children who jointly purchase affordable housing can also apply for provident fund loans. But two conditions must be met at the same time: first, they must be immediate family members living in the same household (based on the household registration book); Second, the owner of the property or the owner of the property must issue a written agreement to use the house as mortgage and notarize it.

2. Employees who have paid the provident fund continuously for 12 months (including 12 months) to 6 months (including 6 months), who are in a normal deposit state when applying for loans and have not withdrawn the housing provident fund for more than 6 months can apply for provident fund loans.

3. If the monthly contribution of employee provident fund reaches 8 yuan (including unit subsidy) or above, the maximum proportion of provident fund loan can be 7% of the total house price (8% for those who buy houses below 9m2).

4. borrowers who are allowed to apply for portfolio loans can voluntarily choose to repay commercial loans or provident fund loans first when they apply for repayment from provident fund loans under the normal repayment conditions.

The proportion of second-hand housing loans is divided into three grades

The second-hand housing loans are limited to houses built after 198, and the highest proportion of loans is divided into three grades according to the year when the houses were built: for houses built in 198-1989, the highest proportion of loans does not exceed 5% of the appraised price; Houses completed in 199-1999 shall not exceed 6% of the appraised price; Houses built after 2 (inclusive) shall not exceed 7% of the appraised price (5% if the monthly contribution of provident fund is below 8 yuan). When the appraisal price of the second-hand house is inconsistent with the transaction price, the one with low value shall prevail.

It's more convenient to transfer commercial loans to provident fund loans

1. The borrower who transfers loans should complete the House Property Certificate and the State-owned Land Use Right Certificate before applying for commercial loans to provident fund loans; Housing that has been mortgaged for faster delivery will no longer be lent.

2. if the original commercial loan has been insured for mortgaged property, the sub-lender will voluntarily choose whether to change the mortgaged property insurance.

3. Make appropriate adjustments to the acceptance criteria of bad credit records caused by the borrower's malicious default on loans, and the adjusted cumulative overdue times shall not exceed 3 times (including 3 times) or the maximum overdue period shall not exceed 2 periods (including 2 periods).

4. if the provident fund has been withdrawn from the same house, you can apply for a loan from commercial loan to provident fund after three years of continuous normal deposit of provident fund from the date of withdrawal.

The above is the loan amount and loan policy of Wuhan Housing Provident Fund compiled and summarized by Xiaobian. I hope it can help everyone.

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How much can Wuhan Provident Fund loan

The first set of Wuhan Provident Fund loan can be 9, yuan, the second set can also be 7, yuan, and the first set can be 1.6 million yuan! According to the new policy of Wuhan provident fund, the maximum amount has been increased, as follows:

1. The maximum loan amount is 9, yuan for employees' families who use housing provident fund loans to buy the first set of ordinary self-occupied housing (including business transfer). 2. The maximum loan amount is 7, yuan for the second set of improved self-occupied housing.

Let's stop here for the introduction of the loan amount of Wuhan Provident Fund.