2022 individual housing provident fund loan policy

I. Identification of loan portfolio:

1. If there is no record of housing and provident fund loans in this city under the name of the employee's family, it is recognized as the first set of housing; If there is no housing under the family name, there is a provident fund loan record, or there is a house that meets the conditions of the second set of improved housing, it is recognized as the second set of improved housing loans. In line with the housing provident fund * * * housing loan conditions with property rights protection, it is recognized as the first set of housing loans.

2. If there is no record of provident fund loans in the country and there is no housing in this city under the name of the employee's family paid by other provinces and cities, it will be regarded as buying the first set of housing; If a family has a record of provident fund loans in the whole country or has 1 house in this city, and buys a second set of improved housing, it will be regarded as buying a second set of improved housing.

3. Stop issuing provident fund loans to loan applicants who meet the following conditions:

(1) Employees' families who have paid provident fund loans twice;

(2) paid workers' families who buy a second set of non-improved housing.

4. Relevant requirements for applying for housing provident fund loans to determine the number of housing units due to marriage:

If the borrower or his spouse owns no more than 65,438+0 property houses with their respective parents before marriage (that is, the borrower or his spouse owns 65,438+0 property houses with their parents before marriage, or the borrower and his spouse owns 65,438+0 property houses with their parents before marriage), it can be considered that the inquired house does not belong to the house of the borrower's family members. If the borrower has not yet established a marriage relationship, and the shared property house with his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the name of the borrower's family members.

The loan accepting institution shall, before determining the number of copies, inquire and confirm the housing registration information under the name of the borrower's family members who apply for housing provident fund loans through the Housing Situation Information Center of this Municipality. For the property housing owned by the borrower or the borrower's spouse and their parents, the time of property registration should be earlier than the time of marriage registration of the borrower.

5. The applicant's family scope is limited to the applicant, spouse and minor children.

Second, the ordinary housing appraisal:

According to Shanghai's ordinary housing standards, the construction area of ordinary housing is below 140 square meters, the actual price of housing transactions within the inner ring line is less than 4.5 million yuan/set, the actual price of housing transactions between the inner ring line and the outer ring line is less than 3/kloc-0.0 million yuan/set, and the actual price of housing transactions outside the outer ring line is less than 2.3 million yuan/set.

Third, the down payment ratio:

1. For the first housing loan, if the construction area of the purchased house is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20%; If the construction area of the purchased house is more than 90 square meters, the down payment ratio shall not be less than 30%.

2, apply for a second set of improved housing loans, the purchase of housing for ordinary housing, the down payment ratio is not less than 50%; If the purchased housing is non-ordinary housing, the down payment ratio shall not be less than 70%.

3. When applying for portfolio loans, the down payment ratio of commercial loans in portfolio loans should be met at the same time.

Four. Loan amount:

The amount of provident fund loans shall meet the following quota standards at the same time:

1, not higher than the loan amount determined by the borrower and the balance multiple of the borrower's housing provident fund account (the balance multiple of the basic housing provident fund account is 30 times, and the balance multiple of the supplementary housing provident fund account is 10 times);

2. It shall not be higher than the total house price remaining after deducting the specified proportion of down payment;

3. Not higher than the loan limit determined by the repayment ability of the applicant and the borrower (the monthly repayment amount of the provident fund loan of the applicant and the borrower shall not exceed 40% of the monthly salary base);

4, not higher than the city's maximum loan limit:

(1) The first housing loan, with the maximum loan amount of 500,000 yuan for individuals and 654.38+00,000 yuan for families;

(2) The second set of improved housing loans, with a maximum loan amount of 400,000 yuan for individuals and 800,000 yuan for families;

(3) If the housing provident fund is replenished, the maximum personal loan amount will increase by 654.38+10,000 yuan, and the maximum family loan amount will increase by 200,000 yuan.

5. Other factors affecting the loan amount.

Verb (abbreviation for verb) loan term:

The longest loanable period is the following minimum:

1. The longest term of provident fund loans shall not exceed 5 years after the applicant's statutory retirement age (statutory retirement age: 60 years for men and 55 years for women);

2, the purchase of first-hand housing, provident fund loans for a period of not more than 30 years;

3. Buy a second-hand house:

(1) If the purchase age is less than 5 years (including 5 years), the term of provident fund loan shall not exceed 30 years;

(2) If the purchased house is between 6 years and 19 years, the term of provident fund loan shall not exceed the difference between 35 years and the age of the house;

(3) If the house is purchased for more than 20 years (including 20 years), the term of the provident fund loan shall not exceed 15 years.

Intransitive verb loan interest rate:

1. If it is recognized as the first housing loan, the interest rate of provident fund loan is the benchmark interest rate of individual housing provident fund loan announced by the People's Bank of China;

2. For the second set of improved housing loans, the interest rate of provident fund loans is 1. 1 times the benchmark interest rate of individual housing provident fund loans announced by the People's Bank of China.

Seven. Repayment method:

1. Monthly repayment method of equal principal and interest: the repayment method in which the total amount of loan principal and interest repaid by the borrower is unchanged every month, but the loan principal increases month by month and the loan interest decreases month by month.

The formula is:

2. Monthly average principal repayment method: the repayment method in which the borrower repays the principal at a fixed monthly rate and the loan interest decreases month by month.

The formula is:

What's the new policy of buying a house with provident fund loans?

Legal analysis: 1. Loan amount and term: 1. Increase the calculation coefficient of loan amount. The calculation coefficient of loan amount is increased from 30% of the deposit base of housing provident fund to 50%. 2. Comprehensive calculation of loan withdrawal. Employees who purchase self-occupied housing and apply for loans to withdraw housing provident fund shall not exceed the total purchase price. Housing provident fund withdrawal should be handled in one lump sum before applying for a loan. 3. Extend the loan term. The loan period is extended to 5 years after the borrower's statutory retirement age. 2. Loans from different places in the province: If employees and their spouses work in Dongying or have registered permanent residence, and pay housing provident fund normally in other cities in the province to buy self-occupied housing in Dongying, they can provide relevant certification materials issued by the housing provident fund center where they paid, and apply for loans in our city. Housing provident fund is normally deposited in the housing provident fund management center of our city. If you work in other cities in the province, you can apply for a loan in our city if you buy a self-occupied house at your work unit. The loan guarantee in different places in the province is implemented according to the loan policy in different places.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-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.

The latest policy of provident fund loan amount 2022

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 borrowed jointly, the loan amount shall be the sum of the loan amounts calculated by both husband and wife.

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 provident fund loan in 2022

Housing accumulation fund 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 and their employees. Can be used to buy a house, decorate, rent a house, etc. , and the amount paid by individuals and units generally does not exceed 15% of wages. Buying a house with a provident fund loan is cheaper than a commercial loan. Buying a house by loan is rising with the change of people's consumption concept. Advance future income to improve the actual ability to pay, provident fund loans have absolute advantages in interest compared with commercial loans. If the purchaser and his unit have continuously paid the housing provident fund for not less than 6 months or accumulated for not less than 2 years, they may apply for housing provident fund loans.

Housing provident fund loan conditions:

1. Deposit time: the applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time meet the requirements of full and normal deposit of the provident fund in a certain period of time. Some regions require 6 months (inclusive), and some regions require 12 months (inclusive), which will vary from place to place.

2. Lender's age: the sum of the lender's age and the loan period is less than 70 years old;

3. The applicant has full capacity for civil conduct, has the ability to repay the principal and interest of the loan, and has a good credit status;

4. The applicant has paid the down payment for the house purchase as required;

5. The applicant provides a guarantee that meets the requirements of these Provisions;

6. The applicant and the applicant meet the requirements of national, provincial and municipal real estate market management policies;

7. Meet other conditions stipulated by the provident fund management committee.

Article 5 of the Regulations on the Management of Housing Provident Fund stipulates that housing provident fund should be used for employees to purchase, build, renovate and overhaul their own houses, and no unit or individual may use it for other purposes.

Sixth, the deposit and loan interest rate of housing provident fund was proposed by the People's Bank of China. After consulting the construction administrative department of the State Council, it was reported to the State Council for approval.

Seventh, the administrative department of construction in the State Council, together with the financial department of the State Council and the People's Bank of China, formulated the housing provident fund policy and supervised its implementation.

The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas.

The latest policy of housing provident fund loan

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 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. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

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.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.