The balance of housing provident fund loan refers to the remaining funds in the housing provident fund account and the remaining balance after the loan. The amount of provident fund loans will generally be related to the balance in the card. The loan amount cannot exceed the high amount of a single housing provident fund loan. The specific loan amount and term must meet the requirements of single high loan amount, loanable high loan amount and low down payment. Purchase of private housing, targeted sales of affordable housing, fund-raising for building, public existing housing, construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the housing purchase price (housing evaluation value) or the cost of housing construction, renovation and overhaul.
2. What do you mean by ten times the loanable balance of the provident fund?
The approved loan amount of housing provident fund loans is 10 times to 20 times the balance of employees' individual provident fund accounts. According to the relevant policies of housing provident fund loans in various provinces and cities, as well as the nature of the houses purchased by the borrowers and their personal repayment ability.
If the borrower purchases the first set of self-occupied housing, price-limited housing or affordable housing, the maximum amount of provident fund loan is 20 times the balance of personal account.
If the employee's personal provident fund account balance is less than 20,000 yuan, it shall be calculated according to 20,000 yuan.
If the borrower buys a second house, public existing house or newly built or rebuilt house on non-urban collective land for himself and his wife, the maximum amount of provident fund loan cannot exceed 10 times the balance of personal account.
3. What does the balance of provident fund loans mean?
The loan balance without housing provident fund means that the unit has not paid you the provident fund before, which means that there is no money in your provident fund account.
Four, Shenzhen housing provident fund balance can be loaned.
law
What is the loan amount of Shenzhen housing provident fund? The balance of the housing provident fund account of the provident fund applicant is 12 times, and the following requirements are met: (1) The monthly repayment amount (the principal and interest calculated by equal principal and interest repayment method) shall not exceed 50% of the application amount. If * * * has the same applicant and * * * deposits the housing provident fund in this city, the sum of the deposit bases of the housing provident fund. (2) Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall not be lower than the contract price of real estate appraisal and the appraisal price of housing purchased by the provident fund center entrusted by the state as stock goods, and the appraisal fee shall be borne by the applicant. (3) Not higher than the single-family housing quota. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the amount of housing provident fund paid by the applicant and * * * in this city is 900,000 yuan. The continuous provident fund before the applicant applies for the provident fund loan shall be calculated according to the multiple of the balance of the housing provident fund account, but other conditions stipulated in the preceding paragraph shall be met. When the loanable amount of provident fund loan is insufficient to pay the house purchase price, employees can apply to the entrusted bank for commercial housing loans, which will be distributed to employees in the form of combined provident fund loans (a combination of provident fund loans and commercial housing loans). The term of the provident fund loan shall be in years, and the longest term shall not exceed 30 years. The annual loan interest rate when the borrower applies for the loan shall be implemented according to the national provident fund loan interest rate. After the issuance of provident fund loans, when the national loan interest rate is adjusted, the loan interest rate is adjusted quarterly.
law
The Regulations on the Management of Housing Provident Fund can extract the storage balance in the employee housing provident fund account: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lost the ability to work, and the end of the unit; (5) Repaying the principal and interest of the house purchase loan; (six) if the rent exceeds the prescribed proportion of family wage income, items (three) and (four) stipulate that the employee housing provident fund account shall be cancelled. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.