The loan amount of personal provident fund in Shenyang is influenced by many factors, including the purpose of the loan, the deposit period of personal provident fund and the monthly deposit amount. Under normal circumstances, the maximum loan amount is determined according to the deposit period and monthly deposit amount of individual provident fund. According to the relevant regulations issued by Shenyang Housing Provident Fund Management Center, the maximum loan amount is 300,000 yuan. The specific personal provident fund loan amount is as follows: 1. Personal housing loan: the applicant needs to continuously deposit the provident fund 12 months in the urban area or county where the purchased house is located, and have a set of houses with complete property rights as collateral, with a maximum loan amount of 300,000 yuan. 2. Personal commercial loan combined with provident fund loan: the applicant must continuously deposit provident fund 12 months in the city or county where the house is purchased, and have a house with complete property rights as collateral, with a maximum loan amount of 300,000 yuan. In addition, when determining the loan amount of individual provident fund, it is necessary to review according to the repayment ability and arrange the repayment period reasonably. The lender should repay the corresponding amount on schedule, otherwise it will face legal proceedings between the buyer and the seller.
How to apply for a personal provident fund loan? Before applying for personal provident fund loans, you need to prepare relevant materials, including provident fund withdrawal procedures, house purchase contracts, proof of repayment ability, etc. And then go to the housing provident fund management center in your city or district.
The loan amount of personal provident fund in Shenyang is influenced by many factors, and it is determined according to the loan purpose, the deposit period of personal provident fund and the monthly deposit amount. When applying for a personal provident fund loan, you need to prepare relevant materials and go to the local housing provident fund management center for processing.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account:
(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.