Regulations on provident fund management, new policy in 2022.

1. Article 1 These Regulations are formulated in order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of the owners of housing provident fund, promote urban housing construction and improve the living standards of urban residents.

Article 2 These Regulations shall apply 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 state organs, state-owned enterprises and urban collective enterprises.

3. The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where employees work belong to individual employees.

4. Housing provident fund management should follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, special bank account storage and financial supervision.

According to the latest policy, in 2022, if both husband and wife pay housing provident fund, the maximum loan amount will be 600,000 yuan when handling provident fund loans. In the past, the maximum loan amount was 500,000, a relative increase of 654.38+10,000, which should be regarded as good news for everyone. 1. The loan amount is determined according to the borrower's repayment ability. The calculation formula is: the amount of housing provident fund paid by the borrower per month ÷ the proportion of housing provident fund paid by the borrower × individual repayment ability coefficient (currently 0.45)× 12 (month )× actual loanable years. If both husband and wife have paid the provident fund and the loan amount is the same, the loan amount is the sum of the smart loan amount calculated by both husband and wife respectively.

2, the provisions of the maximum amount of personal loans. At present, the maximum loan for employees who have paid the housing provident fund is 300,000 yuan; For employees whose husband and wife both pay housing provident fund, the maximum loan amount is 600,000 yuan.

3. The maximum loan amount for the purchase of commercial housing shall not exceed 80% of the total purchase price; For the purchase of second-hand houses, the loan amount shall not exceed 70% of the total purchase price.

New Policy of Taiyuan Provident Fund Loan 202 1

202 1-2022 Shanxi provident fund loan conditions, 202 1 Shanxi housing provident fund loan process, 202 1 Shanxi provident fund loan policy, 202 1 Shanxi provident fund loan amount. Conditions of Taiyuan Provident Fund Loan (1) The borrower is the depositor of Shanxi Housing Provident Fund, who has paid the housing provident fund in full for more than 6 months (including 6 months) every month before the loan application date.

(2) Neither the borrower nor his spouse has any housing provident fund loan debt of our center.

(three) approved by the center to buy, build, rebuild, overhaul, rebuild owner-occupied housing and repay loans from commercial banks for owner-occupied housing consumption.

(four) the borrower must have a stable income and the ability to repay the principal and interest of the loan on time; The monthly repayment amount shall not exceed 50% of the family income provided by it; Family income can be supplemented by increasing the number of auxiliary borrowers.

(5) Being able to provide loan guarantees recognized by the Center.

(6) The borrower has a good reputation.

60% of the lower evaluation price or transaction price of the loan amount of Taiyuan Provident Fund (according to the current loan amount); The monthly repayment amount shall not exceed 50% of the total family salary.

A, the loan amount does not exceed 6.5438+0 million, and the monthly payment does not exceed 50% of the family's monthly salary.

B. The sum of the borrower's age and the loan application period shall not exceed the statutory retirement age in principle, but for employees who are less than 10 years away from the statutory retirement age, they may be extended to 5 years after the statutory retirement age upon their application and special approval.

C loan amount = (balance between the borrower's provident fund deposit account and the spouse's provident fund deposit account) × multiple (15 times )× deposit time coefficient.

The first step of Taiyuan provident fund loan process is loan consultation.

The loan applicant consults with the bank entrusted by the management center about the loan, receives the "Personal Housing Provident Fund Loan Folder for First-hand Houses", fills it out as required, and submits it to the entrusted bank together with the following materials:

Submit application

1. The original and photocopy of the ID card and household registration book of both husband and wife of the borrower;

2. Original and photocopy of marital status certificate (single certificate issued by the civil affairs department);

3. The original and photocopy of the house purchase contract filed by the real estate department, and the down payment receipt of not less than 20% of the total house price;

4. Other supporting materials required by the lending bank.

The third step, loan acceptance, bank preliminary examination.

1. The entrusted bank shall interview the loan applicant and review the application materials submitted by him;

2. Query and print the Personal Credit Report of the borrower and spouse, and review the personal credit situation and mortgage situation of both husband and wife;

3. The entrusted bank conducts "family housing information inquiry" for the loan applicant through the real estate department;

4. For borrowers who meet the loan conditions, the entrusted bank conducts a preliminary examination before lending in the provident fund system, and determines the loan amount, term, interest rate and repayment method through consultation with the borrowers according to the preliminary examination results and repayment ability.

5. The entrusted bank conducts preliminary examination in the provident fund system. If the preliminary examination fails, the borrower shall be notified in time and the reasons shall be informed. After the first trial of the loan is passed, the entrusted bank will personally sign a loan (mortgage) contract with the loan applicant and the purchaser, and fill in the relevant loan information such as real estate mortgage registration.

The fourth step is mortgage registration and bank audit.

The entrusted bank shall go to the real estate mortgage registration department for housing mortgage registration;

The entrusted bank shall review the full set of information of the loan applicant.

Step 5: Final audit and loan issuance of the management center.

The management center conducts a final review of the loan information passed by the entrusted bank. After the final review is passed, the management center passes the entrustment.

The bank will directly transfer the loan funds to the account of the sales unit. Shanxi Provident Fund Inquiry Shanxi Provident Fund Loan Shanxi Housing Provident Fund Management Center Shanxi Provident Fund Extraction Shanxi Provident Fund Deposit Ratio Shanxi Five Insurance and One Gold Inquiry Shanxi Provident Fund Personal Account Seal Shanxi Housing Provident Fund Remittance Shanxi Provident Fund Deposit Certificate Shanxi Housing Provident Fund Transfer

Can Taiyuan Hongben transfer to provident fund loans?

< strong > Taiyuan Hongdu cannot transfer to provident fund loan.

You can't. Provident fund loans, loans to buy housing can only be used as loan collateral, other real estate can not be used as loan collateral; In other words, I can only use my own property as collateral for provident fund loans. Provident fund loan conditions:

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of financial support provided when meeting the basic housing needs of employees' families; Housing security type; Financial support.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

The introduction of the loan conditions of Taiyuan provident fund ends here.