What is the housing provident fund loan limit in Chengdu

Legal analysis: The provident fund loan limit in Chengdu is also calculated according to the regulations of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, and the People's Bank of China. The loan amount is calculated based on the maximum loan limit. If you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan at the same time, the maximum loan limit is 600,000 yuan.

Legal basis: "Housing Provident Fund Management Regulations"

Article 24 If an employee has any of the following circumstances, he or she may withdraw the balance in the employee's housing provident fund account:

(1) Purchasing, constructing, renovating or overhauling self-occupied housing;

(2) Retired or retired;

(3) Completely losing the ability to work, and Terminating the labor relationship with the employer;

(4) Leaving the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(6) The rent exceeding the household limit prescribed proportion of salary income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

If an employee dies or is declared dead, the employee’s heirs and legatees can withdraw the balance in the employee’s housing provident fund account; if there is no heir or legatee, the balance in the employee’s housing provident fund account can be withdrawn. Included in the value-added income of the housing provident fund.

List of provident fund loan limits in various cities in 2016 to see how much you can borrow

With the multiple adjustments to provident fund loan policies in various cities in 2015, the provident fund loan limits in many places have also been adjusted accordingly. , then everyone must also want to know the provident fund loan quotas of various cities in 2016. Today, list them to see how much you can borrow.

1. Cities that support off-site loans within provinces and regions

Hangzhou, Qingdao, Shenyang, Changchun, Jinan, Luoyang, Hefei, Xi'an, Kunming, Yinchuan, and Lanzhou. Changchun, Qingdao, Luoyang and Kunming require local household registration, while Yinchuan requires non-agricultural household registration in Ningxia District.

2. Cities that support off-site loans across the country

Beijing, Shanghai, Guangzhou, Shenzhen, Chongqing, Tianjin, Harbin, Taiyuan, Shijiazhuang, Chengdu, Hainan, Guiyang, Xining. Guangzhou, Harbin, Chengdu, Shijiazhuang, Hainan and Guiyang require local household registration.

3. Support regional cities in cross-provincial mutual lending

Wuhan, Changsha, Nanchang, and Nanning. 21 provincial provident fund centers in Nanning, including Guangxi, have realized loan interoperability, regardless of household registration, and can purchase houses in each other's provincial capital cities.

Chengdu Provident Fund Loan Amount

The maximum limit of a single housing provident fund loan from the Chengdu Housing Provident Fund Management Center is 500,000 yuan.

1. Regarding the formula for calculating the single loan limit

The calculation formula for the single loan limit is: When a borrower (including *** the same borrower, the same below) applies for a loan The sum of the normal deposit balances of the housing provident fund last month x 20 (times). The normal payment and deposit balance of the borrower's housing provident fund shall be determined by the Chengdu Provident Fund Center. The housing provident fund remitted or repaid in violation of regulations shall not be included in the normal payment and deposit balance.

2. About the loan period

The maximum loan period shall not exceed 20 years, and the borrower’s loan application period shall in principle not exceed his or her legal retirement age (ie: men shall not exceed 60 years old) , female must not be over 55 years old); if the main borrower, spouse and *** borrower all meet the conditions for applying for a provident fund loan, the loan term can be calculated according to the party with the longer remaining working years.

For borrowers who are within 5 years (inclusive) of the statutory retirement age, have the ability to repay, have good personal credit, and can effectively implement post-loan management, the loan period can be appropriately relaxed after approval by the Chengdu Provident Fund Center to 1-5 years after retirement. If the loan term is extended to after retirement, the housing provident fund balance in your account can be withdrawn only after the entire loan principal and interest is paid off.

3. Regarding the housing provident fund down payment ratio

(1) If you apply for a provident fund loan to purchase your first house, the down payment amount shall not be less than 30% of the value of the house purchased.

(2) If you apply for a provident fund loan to purchase a second house, the down payment amount shall not be less than 50% of the value of the house purchased, and the loan interest rate shall be 1.1 times the interest rate of the first provident fund loan in the same period.

4. Provident Fund loan objects for purchasing a second home

Provident fund loan objects for purchasing a second home are limited to existing housing with a construction area of ??less than 144 square meters (including 144 square meters) square meters) of deposited employee families (including the main borrower, spouse, co-borrower and minor children), and the loan is limited to the purchase of ordinary owner-occupied houses to improve living conditions.

This is the end of the introduction about the 2016 Chengdu loan limit and Chengdu loan term and age. I wonder if you found the information you need?