1. The basic deposit ratio of housing provident fund is 12% for the unit and 9% for the individual, and the maximum deposit ratio of housing provident fund for the unit and employees shall not exceed12%;
2, the deposit unit can according to their own production and operation situation, appropriately reduce the housing provident fund deposit ratio, but the minimum deposit ratio shall not be less than 5%.
The steps of housing provident fund loans are as follows:
1. The real estate appraisal agency designated by the Housing Provident Fund Management Center evaluates the house to be traded, determines the loan amount, term and repayment method, and determines the loan amount and the value of the house to be traded by both parties. Both parties to the transaction shall actively cooperate. According to the pre-assessment report issued by the assessment agency, the transaction price of both parties and the repayment ability of the borrower, the center pre-examines the loan amount and term to be applied by the employees, and issues the Pre-examination Confirmation Form for the Loan Amount and Term of Housing Provident Fund Second-hand Housing to the employees;
2. Employees who put forward loan demand and plan to apply for second-hand housing loans should submit the borrower's salary income and housing provident fund deposit certificate, the original and photocopy of the housing ownership certificate before the transaction, and the business personnel will review and confirm whether the employee's housing provident fund deposit is normal and whether the employee's salary income certificate is true and standardized;
3. Choose the loan guarantee method. Second-hand housing provident fund loan guarantee methods are divided into installment guarantee plus mortgage and mortgage. Borrowers can choose independently according to their own actual situation. If the second-hand housing loan is handled by installment guarantee and mortgage, the guarantee company selected by the borrower shall bear the installment joint liability guarantee for the borrower before the mortgage registration formalities of the house purchased by the borrower are completed and the house ownership certificate is signed by the entrusted bank. If the second-hand housing loan is handled by mortgage, the borrower shall complete the mortgage registration formalities before the loan is issued, and the house ownership certificate shall be kept by the entrusted bank;
4. Sign the house transfer contract, handle the self-raised fund delivery, the buyer and the seller handle the house transaction formalities, receive the house evaluation report, sign the house transfer contract, handle the self-raised fund delivery, the buyer and the seller handle the house transaction formalities, and the self-raised fund delivery can be witnessed by the guarantee company or entrusted to the bank for supervision and payment;
5. Fill in the housing provident fund loan application form and submit all loan application materials including housing evaluation report as required, fill in the housing provident fund loan application form and submit all loan application materials including housing evaluation report as required, and submit all loan application materials including housing evaluation report as required. If the second-hand housing loan is handled by installment guarantee or mortgage, the guarantee company may submit the loan application materials to the center on behalf of the borrower; If the second-hand housing loan is handled by mortgage, the borrower himself shall submit the loan application materials;
6. Bank Lending With the gradual increase of bank loan interest and the cancellation of the first home loan interest rate concession, the interest cost of using commercial loans to buy a house is getting higher and higher, which is higher than that of housing provident fund loans. If you have the conditions for housing provident fund loans, using provident fund loans is the most cost-effective way;
7. Review, approval and review;
8, signed a loan contract and other procedures.
Legal basis: Article 16 of the Regulations on the Administration of Housing Provident Fund.
The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.
The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Article 17
The new employee starts to pay the housing provident fund from the second month after joining the work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio.
The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.
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.