When the housing accumulation fund is paid 1 1,000 yuan, the loan can be 200,000 yuan. The loan period is 20 years, and the down payment is adjusted to 30%. If payment is stopped continuously in June, it will be deducted or the loan will be stopped. The reporter learned from the Chengdu Housing Provident Fund yesterday that the implementation time of the new provident fund policy was postponed from 10 to10, and all loan applications formally accepted before 1 10 were implemented according to the original policy.
2. How much can Chengdu Provident Fund borrow at most?
The amount of a single loan is determined by the provident fund center after comprehensive evaluation based on the balance of the provident fund account of the borrower and his spouse (or * * *), income, repayment ability coefficient, credit status, house purchase price, loan term, and the proportion of the loan amount to the total housing price. The amount of a single loan shall not exceed the maximum limit, and shall not exceed 70% of the total value of the house purchased. The longest term of provident fund loans shall not exceed 20 years. In principle, the loan application period of the borrower shall not exceed its statutory retirement period. If you are nearing retirement, but have repayment ability and good personal credit, and can effectively implement post-loan management, the loan term can be appropriately relaxed to 1-5 years after retirement. If the loan period is extended to retirement, the balance of housing provident fund in my account can only be withdrawn after paying off all the loan principal and interest. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
3. What is the maximum amount of housing provident fund loans in Chengdu?
Well, it depends on how much your provident fund is. Now you can generally borrow more than 20 times, but you also need to accumulate provident fund for one year. Of course, if you want to use the provident fund to borrow part of the down payment, it is also feasible.
How much can Chengdu housing provident fund loan reach?
Because of the different policies in different cities, you can directly contact the personal loan department of local outlets to confirm whether there is provident fund loan business and related business regulations in your local area!