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Changzhou provident fund loan new policy 202 1
Changzhou provident fund loan policy has changed since July 1, 20 1, and the latest policy of 202 1 has not been published, and the policy of 20 19 will continue to be used.

The calculation standard of housing provident fund loan amount has changed.

The loan amount of Changzhou housing provident fund was previously calculated by 20 times the sum of the balance of the provident fund account of the loan applicant (including more than 2 people).

According to the new calculation rules, the loan amount of two types of loan applicants can be calculated by 20 times the sum of the applicants' balances. One is that there is no record of using the housing provident fund to buy a house. The loan applicant needs to pay the housing provident fund continuously for 6 months before the loan, and at least one person has paid the housing provident fund continuously for 2 years before the loan; The other is the purchase of affordable housing, and the loan applicant can deposit for 6 months before the loan, regardless of whether there is a use record.

If the conditions of 20 times calculation rules are not met, the loan amount shall be calculated according to 6 times of the sum of the provident fund balances of eligible loan applicants. The original calculation rule "Calculate the loan amount according to 10 times the used record balance" is no longer implemented. "Usage records" refer to loan records, house purchase extraction records and loan repayment extraction records. Among them, the extraction records only refer to the extraction records of house purchase and loan repayment, and other types of extraction records (such as rental extraction and major illness extraction, etc.). ) does not belong to the purchase withdrawal record and does not affect the calculation of loan amount.

The New Deal cancelled the care policy of the guaranteed loan amount, that is, the original loan amount was relaxed to "65,438+0,65,438+0,802.36 million", and the care policy was no longer implemented. For innovative and entrepreneurial talents and spouses of active servicemen who have no record of using the housing provident fund, the loan amount is still relaxed to 600,000 yuan.

Employees who deposit in different places can apply for loans in Changzhou.

The New Deal stipulates that employees who have paid housing provident fund in other provinces and cities outside Changzhou administrative region can purchase self-occupied housing in Changzhou and have a certificate issued by the housing provident fund management center where they have paid, and they can apply for housing provident fund loans from Changzhou Housing Provident Fund Center. The loan amount, term and interest rate shall be implemented in accordance with the provisions of Changzhou housing provident fund personal housing loan.

Satisfying the loan conditions of Changzhou housing provident fund includes: when the borrower applies for a loan, the housing provident fund is remitted normally, and the individual has continuously paid the housing provident fund for 6 months since the date of application; Can provide me with valid proof materials such as purchasing commercial housing, second-hand housing, affordable housing or building or overhauling self-occupied housing; Have a stable income, good credit, and the ability to repay the loan principal and interest on time; Handle the guarantee in accordance with the guarantee method approved by the Municipal Housing Provident Fund Center; The applicant has no or only one record of housing provident fund loan in different places and has paid it off.

To apply for housing provident fund loans deposited in different places, the loan applicant shall provide the certificate of deposit and use of housing provident fund issued by the provident fund center of the place where the loan is deposited; There are outstanding provident fund loans in the deposit place, and it is impossible to apply for off-site provident fund loans in Changzhou; The loan records in different places are regarded as Changzhou loan records. One of the loan applicants has a loan record of settlement in different places. The provident fund loan applied for in Changzhou shall be implemented in accordance with the second set of provident fund loan policies in Changzhou. If you have two loan records in different places, you can't apply for provident fund loans again in Changzhou.

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