(a) there is no record of housing provident fund purchase and at least one person has continuously paid housing provident fund for 2 years before applying for housing provident fund loans or purchasing affordable housing, and the loan amount is calculated at 20 times of the sum of the balances of eligible applicants.
(two) the loan applicant does not meet the conditions of the 20 times calculation rule, and the loan amount is calculated at 6 times of the sum of the eligible applicants' provident fund balances. The original calculation rule "Calculate the loan amount according to 10 times the used record balance" is no longer implemented.
(3) Cancel the secured loan line and relax the original loan line to1.8000 for one person and 360000 for two people. The care policy is no longer implemented.
(four) other housing provident fund loans application conditions remain unchanged.
1. The loan applicant needs to deposit continuously for 6 months to participate in the calculation of the loan amount.
2, affordable housing loans, regardless of the use of records, is still calculated at 20 times.
3. If innovative and entrepreneurial talents and spouses of active servicemen have no record of using the housing provident fund, the loan amount will still be relaxed to 600,000 yuan.
(5) Precautions
1. To calculate the loan amount according to the balance of 20 times, it is necessary to meet the conditions of "no housing accumulation fund purchase record+at least one person has continuously paid the housing accumulation fund for 2 years before the loan".
2. The use records of housing provident fund refer to loan records, house purchase records and loan repayment records. The standard for determining loan records remains unchanged, that is, provident fund loans (including loans from public companies). Extraction records only refer to the extraction records of house purchase and loan repayment, and other types of extraction records (such as rental extraction and major illness extraction). ) does not belong to the purchase withdrawal record and does not affect the calculation of loan amount.
3. As long as one of the multiple loan applicants has paid the provident fund for two consecutive years, the loan amount can be calculated at 20 times. If the provident fund of other loan applicants has been continuously deposited for 6 months, the balance of the provident fund can be calculated by 20 times.
4. The housing provident fund has been continuously deposited for 2 years, which means that the individual provident fund account has been continuously deposited for 2 years since the date of applying for a loan, and the first remittance time is 2 years.
Based on:
Since 200211018, the contents not involved in this policy adjustment are still implemented according to the original regulations.
The loan applicant who has paid the housing provident fund in Changzhou and meets the loan conditions shall calculate the loan amount according to the method of "average monthly account balance × loan distribution coefficient", and the loan amount shall not exceed 10 times of the individual housing provident fund account balance at the time of loan application.
The monthly average account balance is the monthly average balance of the individual housing provident fund account calculated forward for 60 months when applying for a loan. Less than 60 months, according to 60 months. The account balances of multiple loan applicants who meet the loan conditions can be calculated together. If the main borrower and * * * the same borrower have no record of using housing provident fund to purchase houses in this city, the loan allocation coefficient is 40; If one person has a record of using the housing provident fund to purchase a house, the loan allocation coefficient is 10. It is estimated that the loanable amount calculated by 40 times the monthly average account balance of 60 months is basically the same as that calculated by the account balance before adjustment.
The loan applicant who pays the housing provident fund in different places and meets the loan conditions shall calculate the loan amount according to the method of "the balance of the housing provident fund account at the time of loan application ×6 times". Loan applicants who deposit housing provident fund in this city and loan applicants who deposit housing provident fund in different places apply for loans, and the loan amount is calculated separately according to the corresponding rules.
Based on: