In 2022, Taizhou adjusted the housing provident fund loan policy. According to the policy, if an employee's family of the same couple who gave birth to a third child after May 3, 20021(based on the time specified in the birth certificate) buys the first set of owner-occupied housing in Taizhou and applies for a housing provident fund loan for the first time, the maximum loan amount will rise by 20%, and the maximum loan amount after floating unilateral deposit will be 360,000. If the loan amount obtained according to the loan calculation formula rises by 20% and is still lower than 200,000 after rising, the loan amount shall be calculated according to 200,000, and the maximum amount shall not exceed the loanable amount. The above is the relevant content of Taizhou provident fund loan line 2022.

Is there a handling fee for provident fund loans?

Users do not need to deduct handling fees when applying for personal provident fund loans. The provident fund management center handles personal provident fund loans for users free of charge, but when applying for housing mortgage loans, users are likely to have to pay the production legal fees and related management fees deducted by real estate units and evaluation agencies according to regulations. In addition, if users apply for loans through intermediary companies, they need to pay a certain intermediary fee to the intermediary companies. For example, individuals cannot provide effective loan guarantees and need to rely on loan guarantee companies for guarantee, so they need to pay a certain percentage of loan guarantee fees to the loan guarantee companies.

The expenses paid by personal provident fund loans mainly include guarantee fees, evaluation fees, loan service fees and related taxes and fees. When applying for provident fund mortgage, a handling fee of 2 ‰ can be deducted from the applicant.

What should I do if the provident fund loan is rejected?

1. Perfecting personal information: Perfecting personal information as much as possible is conducive to the bank's all-round understanding of the applicant, and the information should be true and effective;

2. Maintain personal credit: maintain good personal credit and repay in full and on time, so that you can still apply for a loan successfully;

3. Reduce personal debt ratio: reduce personal debt ratio by clearing some loans;

4. Submit additional asset certificates: For example, users can submit houses, vehicles and bank investment and wealth management products under their accounts to prove that individuals have the ability to repay loans on time.

After the provident fund loan is rejected, the bank will generally inform the user. If the user is not informed of the reason, the user can ask the bank staff. Before preparing to apply for personal provident fund loans, users can make preparations six months in advance, such as maintaining good personal credit information and reducing debt ratio.

How long does it usually take for provident fund loans to be released?

Generally speaking, the lending time of provident fund loans is within 1-3 months, and the next payment time of provident fund loans is relatively slow, so it usually takes several months to make the next payment. Users apply for housing mortgage loans, different banks or different housing loans, and the next payment time is different. However, most banks will only issue personal provident fund loans after the users have successfully transferred their property rights and got the new houses issued by the trading center. This article is mainly about the knowledge of Taizhou provident fund loan amount 2022, and the content is for reference only.