1. Loan Amount

(1) Loanable Amount

The personal loanable limit of a housing provident fund personal housing loan is 25 times the balance of the housing provident fund account. The maximum limit is 500,000 yuan, and the maximum limit for an individual in a family with multiple children is 600,000 yuan.

The loan limit for couples who participate in loans is calculated by adding the individual loan limits of the depositing employees and their spouses, and the total amount of a single housing provident fund loan shall not exceed 1 million yuan; for families with multiple children who participate in loans for couples, The total loan amount shall not exceed 1.2 million yuan.

(2) Loan-to-Loan Ratio

For households with deposit-paying employees who purchase their first home, the maximum loan-to-value ratio for a housing provident fund personal housing loan is 80% of the value of the purchased house;

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For families of paying employees who purchase a second home, the maximum loan amount for housing provident fund personal housing loans is 70% of the value of the purchased house, and the maximum loan amount for employee families with multiple children is 75% of the value of the purchased house. .

(3) Other provisions

1. When a deposit-paying employee family purchases a first second-hand house, the maximum loan percentage is the appraised value of the purchased house and the transaction amount recorded by the real estate registration agency 80% of the lower value of the two;

For a deposit-paying employee family to purchase a second second-hand house, the maximum loan percentage is the difference between the appraised value of the purchased house and the transaction amount recorded by the real estate registration agency 70% of the lower value;

When an employee family with multiple children purchases a second second-hand house, the maximum loan percentage is the lower of the appraised value of the purchased house and the transaction amount recorded by the real estate registration agency 75%;

The amount of the first-hand house replacement loan shall not exceed the remaining principal balance of the original loan at the time of application;

The second-hand house replacement loan shall comply with both the first-hand house replacement loan and the second-hand house mortgage loan Loan limit regulations.

2. The monthly debt of the employee’s family should not exceed 50% of the family’s monthly income.

2. Loan interest rates

Housing provident fund personal housing loan interest rates are implemented in accordance with the regulations of the People's Bank of China and will be adjusted with the interest rate adjustments of the People's Bank of China.

Currently, for employee families who pay deposits to purchase their first home, the annual interest rate for loans less than 5 years (inclusive) is 2.6%, and the annual interest rate for loans over five years is 3.1%;

Payment For employee families purchasing a second home, the annual interest rate for loans of less than five years (inclusive) is 3.025%, and the annual interest rate of loans for more than five years is 3.575%.

3. Loan term

The maximum term of a housing provident fund personal housing loan is 30 years, and the loan maturity date shall not exceed 5 years after the borrower's statutory retirement time.

IV. Loan participation provisions

The spouse of the borrower who has paid the housing provident fund in full and on time for more than six months and has full capacity for civil conduct can participate in the loan (hereinafter referred to as "loan participation") , if a couple participates in the loan, the loan limit of the paying employee and his or her spouse is calculated by adding the individual loan limit, and the borrower's spouse after participating in the loan is regarded as the co-borrower of the housing provident fund personal housing loan.

V. Other policies and regulations

In accordance with the relevant policies and regulations of the state and our city, provident fund loans support the reasonable housing needs of deposited employees, and the purchase of a third or more house and the "three Individual housing loans for persons without housing provident fund.

(1) Standards for identifying the number of newly purchased housing units:

In terms of "housing recognition", when employee families purchase new housing in the central city, they only recognize the number of housing units in the central city; When purchasing new housing in districts and counties outside the central urban area, the number of housing units within the city will be determined;

In terms of "loan subscription", only housing provident personal housing loan records will be included in the verification scope.

(2) Replacement loan housing unit identification standards:

In addition to the house and the commercial housing loan used to purchase the house, the deposit-paying employee family has no Housing loan record and no housing within the city.

(3) Identification of "Three Nos":

Refers to individuals who have no household registration, no business, and no job in Chongqing.

1. "Having a household registration" specifically refers to the house purchaser whose household registration is in Chongqing;

2. "Having an enterprise" specifically refers to the house purchaser investing and establishing in Chongqing according to the law when purchasing a new house. The enterprise (including companies, partnerships, and sole proprietorships) has been in existence for one year, continues to carry out business activities, and has relevant tax or social security payment records (except for purchasing shares of listed companies through the secondary market);

3. "Employed" specifically refers to those who are employed in Chongqing and have participated in social insurance in Chongqing within one year and paid social insurance premiums for more than 12 months (including individual industrial and commercial households and their employees, and those who have paid social insurance premiums continuously for 12 months across the new year). and above).

(4) Identification of multi-child families:

Multi-child families refer to employee families with two or more children.

(5) "Mutual Recognition and Mutual Loans" of Sichuan and Chongqing Housing Provident Funds:

Sichuan employees who apply for housing provident fund personal housing loans in our city enjoy the same city treatment.

(6) Loan for flexible employment:

Choose the deposit and use products for flexible employment stipulated by our city, pay the deposit in full on time and in accordance with the agreement and obtain the loan qualification, which is in line with our According to the relevant provisions of the municipal housing provident fund loan policy, you can apply for a housing provident fund loan when purchasing a family's first or second self-occupied house.

6. Questions from netizens

The application entrance and method for converting Chongqing commercial loans into provident fund loans

The Chongqing Housing Provident Fund Management Center has now opened central urban area replacement loans ( Business transfer) accepts online reservation function.

Various appointment channels and steps:

(1) Chongqing Provident Fund Center WeChat public account: Chongqing Provident Fund Center-WeChat Official Website-Convenient Services-Loan Appointment-Acceptance Appointment

< p>(2) Mobile APP (click here to scan the QR code to download the Chongqing Housing Provident Fund APP): Convenient Services-Loan Appointment-Acceptance Appointment

(3) Online Hall: Official Website of Chongqing Housing Provident Fund Management Center-Personal Online Service Hall - Loan Reservation - Reservation Acceptance In each channel, enter the loan-related information in "Appointment Acceptance", select "BoCom Minzu Road Branch" as the reservation outlet, select the appointment time and time period, and follow the prompts to perform face recognition verification. Once passed, the appointment will be made. Success, you will receive a "12329" text message prompt after the reservation is successful, and a text message prompt will be sent to accept the application one day before acceptance.

(4) Specific acceptance address: 6th Floor, Zhongya Building, No. 74, Renhe Street, Daxigou, Yuzhong District (opposite to Renhe Street Primary School);

(5) Contact number: 023-63853620.