Now many units have paid five insurances and one gold to their employees, but that doesn't mean they can use provident fund loans. Still depends on the income of the lender. So, what are the requirements for income from provident fund loans? How to write the income certificate provided? Let's have a look.
1. What are the income requirements for provident fund loans?
As we all know, the loan amount of provident fund is determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and then the minimum value is the maximum loanable amount of the lender.
Among them, the loan amount of provident fund cannot exceed the individual repayment ability, which can be calculated according to the formula: the sum of the borrower's monthly contributions/the ratio of the borrower's spouse's provident fund contributions/the ratio of the borrower's spouse's contributions ×50%× 12 (month )× the loan period.
There is a certain relationship between the monthly contribution of provident fund and wage income, which is the sum of the average monthly salary of employees in the previous year and the average monthly salary of employees in the previous year (the contribution of individuals and units is rounded off).
In addition, the provident fund loan also requires that the monthly repayment amount calculated by the equal principal and interest repayment method should not exceed 60% of the borrower's monthly income according to the loan amount, term and applicable interest rate applied by the borrower.
2. How to write the income certificate of provident fund loan?
1) It is best to issue the income certificate in the month or last month of the provident fund application date, and the interval should not be too long;
2) The actual monthly salary should be consistent with the deposit amount of the provident fund, and it is best to double the monthly deposit amount of the provident fund. It is best to print the figures by computer instead of handwriting;
3) The income certificate must be stamped with the official seal of the unit, and the name of the unit should be consistent with the name of the housing provident fund account.
What are the requirements for provident fund loans?
Provident fund loan conditions
1, with full capacity for civil conduct and legal and valid identity documents.
2. The housing provident fund has been paid in full and continuously for more than 6 months (inclusive).
3. Have a stable professional and economic income and the ability to repay the principal and interest of the loan on time. The borrower and the borrower's monthly repayment of all debt principal and interest shall not exceed 50% of the monthly legal income of the family. The monthly income of the borrower and * * * the same borrower is based on my housing provident fund deposit base plus the monthly housing provident fund deposit amount; If the borrower fails to pay the housing provident fund, it is required to provide valid income proof and proof materials.
4. Good credit status.
5. The purchase, construction, renovation and overhaul of owner-occupied housing occurred within 2 years before applying for a loan.
6. Pay the down payment according to the specified proportion. The down payment ratio of the first set of provident fund loans is 30% of the house price, and the down payment ratio of the second set of provident fund loans is 50% of the house price.
7. Mortgaging the purchased (built) houses or providing third-party houses or securities recognized by the Municipal Provident Fund Center as collateral.
8. The borrower and the borrower's provident fund loan have been paid off or have not occurred.
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What are the conditions for housing provident fund loans?
First, the definition of provident fund loans
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
2. What are the conditions for housing provident fund to apply for loans?
The borrower has an urban hukou, has paid the provident fund in this city for more than one year, has a stable income, has the down payment fund agreed in the purchase contract, and has a loan mortgage or pledge.
Three, housing provident fund loan procedures and processes
(A) individual housing provident fund loan conditions
1. The borrower has a town account;
2. I and my unit have paid the housing provident fund in full and on time in this city for more than one year (from the back to the front);
3. Have a stable professional income, good credit and the ability to repay the principal and interest of the loan;
4, there is a legitimate contract or agreement to buy their own housing, and a prescribed proportion of self-raised funds;
5. The assets specified in the Civil Code are mortgages or pledges of loans;
6. Agree to handle the purchase guarantee or mortgage property insurance;
7. Agree to other conditions stipulated in the housing provident fund management.
(two) personal housing provident fund loan income certificate
1, the salary certificate of provident fund loan needs to be issued by the work unit, which is generally the responsibility of the personnel department. It should be noted that some friends have already left their jobs or just joined a new company when they apply for loans. In this case, the bank will generally not agree to your loan request. Therefore, friends who want to apply for provident fund loans should not easily jump ship before the loan.
For self-employed people who can't issue salary certificates, they can explain the situation to the bank, and the bank will make an auxiliary proof of repayment ability.
2. What are the requirements for filling in the salary certificate of provident fund loans?
(1) Fill in the salary amount truthfully, and the amount filled in shall be subject to the actual salary;
(2) Be sure to affix the seal of the unit wage department or the official seal of the unit, and the subject name of the seal should be consistent with the name of the unit housing provident fund account;
(3) The certificate was issued in the month or last month of the application date;
(4) Try to use printed copies to avoid mistakes;
(5) The original salary certificate must be provided, that is, the company's seal must be bright red, and the copy (whether black and white or color printing) cannot be used.
The introduction of income requirements for provident fund loans ends here.