Second, the general process of applying for housing provident fund loans:
First of all, employees who pay in the place of employment (deposit place) and buy self-occupied housing in the place of household registration (loan place) can apply for personal provident fund or lease loan from the provident fund management center of the loan place with the proof of provident fund deposit.
Then, when the provident fund management center in the loan place accepts and approves the housing provident fund loans in different places, the provident fund management center in the deposit place will issue relevant information such as the deposit and loan certificate of the local housing provident fund for employees and their spouses.
Three. Conditions for off-site provident fund loans: Employees can apply for housing provident fund personal housing loans only after they have paid the housing provident fund in full for more than 6 months (inclusive).
Four. The target of provident fund loans in different places: paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing.
Extended data:
First, the loan object
1. Buying a building developed by a real estate enterprise requires a house purchase loan.
2 to buy public housing that can be sold according to regulations, you need to apply for a house purchase loan.
3. Buying a second-hand house with property rights in the real estate trading market requires a house purchase loan;
4. Housing loans are needed due to the construction, renovation and overhaul of owner-occupied housing in cities and towns in this city;
5 other housing loan projects approved by the bank to cooperate with the government to deepen the reform of the housing system.
Second, the loan amount
According to the current policy, the basic provident fund loan for each household does not exceed 6,543,800 yuan or 654.38+ 05 times of the total storage amount of the account, and the supplementary provident fund loan for each household does not exceed 30,000 yuan or 2 times of the storage balance. For employees who have paid the provident fund at the same time, the maximum loan amount shall not exceed 6.5438+0.3 million yuan.
And the maximum loan period is 30 years. The loan amount for purchasing second-hand houses or renovating or overhauling houses shall not exceed 50% of the total house price, and the longest term shall be 10 year. However, the loan term of the main lender shall not exceed the statutory retirement age of 5 years.
The maximum loan amount for purchasing primary market housing and self-built housing is 6.5438+0.5 million yuan, and the maximum loan ratio does not exceed 70% of the total price of purchased or self-built housing; The maximum loan amount for purchasing a second-hand house is 80,000 yuan, and the maximum loan ratio does not exceed 50% of the appraised value of the house purchased.
1. The loan amount is determined by the coefficient not higher than the repayment ability of the borrower (including the spouse), and its calculation formula is:
The sum of the monthly salary income of the borrower's husband and wife who have paid the housing provident fund ×1February× 35 %× loan period (if the borrower's spouse has not paid the housing provident fund normally, the monthly salary income in the formula does not include the spouse).
2. If only one of the borrower's husband and wife normally deposits the housing provident fund, the loan amount shall not exceed 50% of the purchase price and the total purchase price.
3. The specific loan amount of each borrower is determined by the loan bank and the fund management center of the Housing Reform Commission in accordance with the above provisions and in combination with the borrower's repayment ability.