1. Specific policies:
1. Increase the maximum amount of housing provident fund loans. If both husband and wife pay housing provident fund, the maximum loan amount will be raised from 5, yuan to 6, yuan; If the housing provident fund is paid unilaterally, the maximum loan amount will be increased from 35, yuan to 45, yuan.
2. Within the maximum loan limit, the loanable amount shall not exceed 15 times the balance of the individual housing provident fund account at the same time.
3. The guaranteed amount of housing provident fund loans remains unchanged. If both husband and wife deposit housing provident fund, the loan guarantee amount is 25, yuan; If the housing provident fund is paid unilaterally, the loan guarantee amount is 2, yuan.
4. Adjust the standard of linking the loan amount of housing provident fund with the monthly deposit amount. Unilateral deposit: the monthly deposit amount is below 6 yuan (inclusive), and the maximum loan amount is 3, yuan; The monthly deposit is from 6 yuan to 1,2 yuan (inclusive), and the maximum loan amount is 35, yuan; The monthly deposit is more than 1,2 yuan, and the maximum loan amount is 45, yuan. Deposited by both parties: the total monthly deposit is less than 1,2 yuan (inclusive), and the maximum loan amount is 45, yuan; The total monthly deposit is between 1,2 yuan and 2,5 yuan (inclusive), and the maximum loan amount is 5, yuan; The total monthly deposit is more than 2,5 yuan, and the maximum loan amount is 6, yuan.
2. Matters needing attention in provident fund loans:
1. Know whether you can use provident fund loans before buying a house
Provident fund loans are not very popular with developers because of their many procedures and long loan approval time. Therefore, before applying, we should first consult whether the real estate supports provident fund loans. If not, we need to consider commercial loans or other payment methods.
2. Make full use of the provident fund loan amount
As long as the loan conditions are met, you should make full use of the provident fund loan amount as much as possible. Because the interest rate of provident fund loans is relatively low, the more provident fund loans you apply for, the less commercial loans you need to apply for and the less interest you pay.
3. The service life of the full provident fund
3. The loan target of the housing provident fund:
1. Have valid identification;
2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans;
3. If one spouse has applied for a housing provident fund loan, neither spouse can get another housing provident fund loan before paying off the principal and interest of the loan.
legal basis:
article 25 of the regulations on the administration of housing provident fund. if an employee withdraws the balance stored in the housing provident fund account, the unit to which he belongs shall verify it and issue a certificate of withdrawal. Employees shall apply to the housing provident fund management center for the withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment formalities.