Provident fund loan processing flow:

1. Written application

Lenders applying for housing provident fund loans must submit a written application to the bank, fill in the application form for housing provident fund loans, and truthfully provide the following information:

(a) the applicant and his spouse's housing provident fund deposit certificate;

(2) Identity documents of the applicant and his spouse (referring to valid residence documents such as resident identity cards and household registration books) and proof of marital status;

(three) the family has a stable economic income and other proof of creditor's rights and debts that affect the repayment ability;

(4) Effective documents such as purchase contracts and agreements;

(5) List of collateral used for guarantee, certificate of ownership, certificate of consent of the disposing party to the collateral, and certificate of collateral evaluation issued by relevant departments;

(six) other materials required by the provident fund center.

2. Bank acceptance review

Banks will promptly accept and review loan applications with complete information and submit them to the provident fund center in time.

3. Lending approval

Provident fund center is responsible for loan approval, and will promptly notify the bank of the approval results.

4. Loan procedures

The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and husband and wife sign loan contracts and related contracts or agreements with the bank, and send the loan contracts and other procedures to the provident fund center for review. For funds, the entrusted bank will issue loans in full and on time according to the loan contract.

V mortgage registration procedures

If the house mortgage is used as a guarantee, the borrower shall go through the formalities of real estate mortgage registration at the real estate management department where the house is located. The mortgage contract or agreement shall be signed by both husband and wife. Or the joint center.

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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 deposit provident fund and jointly borrow, 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 amount for employees who pay 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.

What is the amount of personal provident fund loan?

The calculation formula of personal provident fund loan amount is: (monthly contribution × total months of legal retirement age) ×2. How much you can borrow from the 10 thousand provident fund depends on the loan amount of the local housing provident fund. For example; Wang, 25, retired at 65. Currently, the provident fund is being paid. The monthly deposit is 600 yuan, and the balance of provident fund is 1 000 yuan, so the maximum loan can be (60040 1 2 1 000,000) 2 = 596,000 yuan. Can't exceed the local government restrictions.

Legal basis:

"Regulations on the Administration of Housing Provident Fund" Article 16 The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

"Regulations on the Management of Housing Provident Fund" Article 21 The housing provident fund shall bear interest at the interest rate stipulated by the state from the date it is deposited in the employee housing provident fund account.

How much can the provident fund borrow?

After the provident fund has been paid for one year (uninterrupted), you can apply for a provident fund loan. At present, the provident fund loan quota policy is as follows:

1, the maximum loan for individual provident fund is 400,000 yuan, the maximum loan for supplementary provident fund is 500,000 yuan, the maximum loan for husband and wife is 600,000 yuan, and the maximum loan for supplementary provident fund is 700,000 yuan.

2. 15 times of the balance in the provident fund (buying a second-hand house), and 20 times of the balance in the card if buying a new house.

3. Loan amount of provident fund = {monthly contribution of provident fund/(individual contribution ratio unit contribution ratio) monthly contribution of provident fund /240%- repayment in other months} loan period.

1. The monthly repayment amount of the provident fund (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are co-applicants and co-applicants who deposit housing provident fund in this city, the deposit base of housing provident fund shall be the sum of the deposit bases of the applicant and co-applicants. Provident fund deposit base: the average monthly income of employees in the previous year.

2. The provident fund is not higher than the difference between the total purchase price and the down payment. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the provident fund to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price.

3. If the employee purchases the first suite, the down payment ratio of the house area below 90 square meters shall not be less than 20% of the total purchase price. If the construction area is more than 90 square meters, the down payment ratio shall not be less than 30% of the total purchase price. If you buy a second house, the down payment ratio shall not be less than 60% of the total purchase price. Not higher than a single housing provident fund loan. Individual employees apply for a single housing provident fund loan of 500,000 yuan, and the applicant and the co-applicant jointly apply, and the co-applicant deposits the housing provident fund in this city, with a single housing provident fund loan of 900,000 yuan.

4. If the provident fund applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the provident fund loan calculated according to the balance multiple of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met.

What is the interest rate of provident fund loan now?

Interest on the second-home provident fund loan: the annual interest rate for less than five years (including five years) is 3.85%; The annual interest rate for more than five years is 4.40%. At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.

Interest on second-home provident fund loans: Bank of China, China Banking Regulatory Commission and Ministry of Housing and Urban-Rural Development jointly issued a document to reduce the down payment ratio of second-home commercial loans from 60% to 40%, and the down payment ratio of first-home provident fund loans to 20%.

If the first home loan has been settled, the down payment ratio of the second home loan will be reduced to 30%. In addition, the Ministry of Finance will also exempt individual commercial housing sales business tax from the previous five years to two years.

Interest rate of second-home commercial loan:

Benchmark interest rate for commercial loans: 5.90%.

In the new mortgage policy, if you have 1 house but the loan has been settled, you can apply for a loan to buy a "second house", and the loan interest rate can be 30% off the benchmark; At present, the house 1 and mortgage are not settled. If you refinance to buy a "second house", the lowest interest rate will go up 10%.

Interest rate of second-home provident fund loan:

Loan term: 3.85% within 5 years (inclusive); More than 5 years, 4.40%.

At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.

How much can I borrow from the housing provident fund?

Legal analysis: 1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million.

2. The specific loanable amount is comprehensively determined according to the deposit of employee housing provident fund and the loanable amount standard of housing provident fund loans, the status and price of purchased housing, individual repayment ability and credit status.

3 workers housing provident fund loan amount is insufficient, you can apply for housing provident fund portfolio loans. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans.

From 4.201110/0, the loanable amount of employee housing provident fund is calculated according to the monthly average balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result is rounded to thousands. If the calculation result is higher than 500,000 yuan, it is determined to be 500,000 yuan, which is lower than150,000 yuan. When a loan applicant applies for a provident fund loan, the number of housing units shall be calculated based on the family with the largest number of housing units under the names of the applicant and the co-applicant. Finally, the number of existing housing units is determined by the family with the largest number of housing units of the loan applicant's family (family members include both husband and wife and minor children).

Legal basis: Detailed Rules for the Implementation of the Measures for the Administration of Personal Housing Provident Fund Loans.

Article 3 Borrowers refer to employees who meet the conditions of provident fund loans as stipulated in the Measures. There shall be no more than two borrowers for the same provident fund loan. If there are two borrowers, the borrowers should be spouses, or if the immediate family members of the payer and the buyer are not the same person within two generations, they should be spouses or immediate family members within two generations.

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