Chengdu provident fund loan conditions:

A natural person who has full capacity for civil conduct and has not exceeded the statutory retirement age stipulated by the state.

2. Employees with permanent residence in cities and towns or valid residence identification.

3. At the time of application, the main borrower and the employer have paid the housing provident fund in full and on time 1 year or more, but the borrower and spouse have not withdrawn the provident fund to pay the down payment for the house purchase, and have not applied for the provident fund loan or the obtained provident fund loan has been settled.

Four, the borrower has a contract or agreement to buy housing, and the down payment is not less than the specified proportion of the value of the purchased housing.

Five, the borrower has a stable economic income, good credit, and the corresponding loan repayment ability;

Six, can provide a guarantee approved by the Chengdu provident fund management center;

7. Other conditions stipulated by Chengdu Provident Fund Management Center.

Chengdu provident fund loan interest rate

Chengdu provident fund loan interest rate: 5-year loan interest rate: 2.75%, 5-year loan interest rate: 3.25%.

Chengdu provident fund loan amount: the maximum amount of a single housing provident fund loan in Chengdu Housing Provident Fund Management Base is 600,000 yuan. The calculation formula of single loanable amount is: the sum of the normal deposit balance of housing provident fund in the last month when the lender (including 1 lender) applies for a loan is 30 (times). The normal deposit balance of the lender's housing provident fund is based on the Chengdu provident fund base, and the illegally remitted housing provident fund is not included in the normal deposit balance. (Under the conditions of meeting the repayment-to-income ratio, credit reporting and other rules, a loan applicant with a deposit balance of less than 6,543.8+0,000 yuan can, in principle, borrow up to 300,000 yuan, regardless of the balance-linked multiple).

How to borrow housing provident fund?

(1) loan terms

The borrower shall meet the following conditions:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6, in line with the provisions of the client on the deposit conditions of the loan housing provident fund;

7. Provide customer-recognized guarantee;

8. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

9. Meet other conditions stipulated by the client.

Housing provident fund loan applicants must meet the above conditions, and housing provident fund depositors must meet one of the following three conditions:

1. Loan applicants who purchase policy-oriented housing approved by government departments should, in principle, establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full and continuously for 6 months before applying for a loan, and they are in the state of payment when applying for a loan.

2. Borrowing applicants who purchase non-policy housing should, in principle, continuously deposit the housing provident fund 12 months in full before applying for loans, and be in the state of deposit when applying for loans.

3. The loan applicant is a retired employee who has paid the housing provident fund during his employment.

Loan materials

Materials required for mortgage loan of commercial housing housing provident fund:

1. The borrower and the original and photocopy of the borrower's resident identity card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;

2. Proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);

3. Legal commercial housing purchase contract or agreement;

4. Personal credit certificate provided by the borrower and the borrower's unit;

5. Effective proof that the borrower has paid not less than 30% of the house purchase price;

6. Effective guarantee certificate;

7. The auction property of housing provident fund loan must be the property that the developer has signed a mortgage agreement with the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.

Chengdu provident fund loan policy

Chengdu provident fund loan conditions:

A natural person who has full capacity for civil conduct and has not exceeded the statutory retirement age stipulated by the state.

2. Employees with permanent residence in cities and towns or valid residence identification.

3. At the time of application, the main borrower and the employer have paid the housing provident fund in full and on time 1 year or more, but the borrower and spouse have not withdrawn the provident fund to pay the down payment for the house purchase, and have not applied for the provident fund loan or the obtained provident fund loan has been settled.

Four, the borrower has a contract or agreement to buy housing, and the down payment is not less than the specified proportion of the value of the purchased housing.

Five, the borrower has a stable economic income, good credit, and the corresponding loan repayment ability;

Six, can provide a guarantee approved by the Chengdu provident fund management center;

7. Other conditions stipulated by Chengdu Provident Fund Management Center.

How to borrow Chengdu housing provident fund loan?

To apply for a loan, the borrower must fill in a written application in a bank entrusted by Chengdu Provident Fund Center and submit the following materials:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(6) Other materials required by Chengdu Provident Fund Center.

For the loan application with complete information, the entrusted bank shall accept the examination in time and submit it to Chengdu Provident Fund Center in time.

Chengdu Provident Fund Center is responsible for approving loans and informing the entrusted banks of the approval results in a timely manner.

The entrusted bank shall notify the applicant to handle the loan formalities according to the examination and approval results of Chengdu Provident Fund Center, and send the loan contract and other formalities to Chengdu Provident Fund Center for examination and approval. After the approval of Chengdu Provident Fund Center, the entrusted bank will allocate the entrusted loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.

The loan funds shall be transferred to the special account for selling houses opened by the selling unit in the bank in the name of the borrower's purchase price; If it is a re-traded housing loan, the loan funds must be transferred to the special account opened by the housing transaction intermediary agency entrusted by Chengdu Provident Fund Center, and then paid to the seller according to relevant regulations.

I. Housing Provident Fund Individual housing loans are divided into individual housing pure provident fund loans and individual housing portfolio loans.

1. Personal housing pure provident fund loans are issued to employees who have paid housing provident fund to purchase housing consumption loans for self-occupied housing.

2. Personal housing portfolio loan refers to that when an individual applies for a housing provident fund loan that is insufficient to pay the purchase price, the insufficient part applies to the bank for a commercial housing loan, referred to as portfolio loan.

Second, the loan amount:

(a) individual housing pure provident fund loan amount must meet the following conditions.

1. The maximum amount of a single housing provident fund loan is 400,000 yuan;

2. The maximum loan ratio shall be subject to the agreement signed between Chengdu Housing Provident Fund Center and the developer;

The calculation formula of the maximum loanable amount is: the sum of the individual monthly contributions of the borrower and spouse to the provident fund ÷ the actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period (the longest loanable period).

If the deposit ratio between husband and wife is inconsistent, the actual deposit ratio shall be determined according to the higher ratio.

3. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse.

When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities).

4. If the spouse of the loan applicant is the same as the borrower of the housing provident fund, he can participate in the calculation of the loan amount of the provident fund.

For loan applications that meet the above conditions, Chengdu Provident Fund Center will determine the final loan amount after comprehensive evaluation according to the credit status of the loan applicant and other factors.

(2) The loan amount of individual housing portfolio must meet the following conditions.

1. Not exceeding 70% of the total value of the purchased house;

2. The proportion of real estate expenditure to income shall not exceed 50% (including 50%);

Calculation formula: (monthly repayment amount of the loan, monthly property management fee)/monthly income.

The proportion of total debt expenditure to income shall not exceed 55% (including 55%).

Calculation formula: (monthly repayment of the loan, property management fee and other debts)/monthly income.

For individual housing portfolio loan applications that meet the above conditions, banks and provident fund centers will comprehensively evaluate the credit status of loan applicants and determine the final loan amount.

Chengdu provident fund loan amount

The single maximum amount in Chengdu is: 800,000 yuan for the first suite of dual employees, 700,000 yuan for the second suite of dual employees and 400,000 yuan for a single employee.

Determinants of the amount of provident fund loans

The loanable amount of provident fund loans is determined by Chengdu Provident Fund Center according to the maximum amount of provident fund loans, the calculation formula of loan amount, the remaining house price after deducting the down payment, the proportion of repayment income and credit status. , after comprehensive evaluation of the actual situation of the loan applicant, take the lowest value:

Specific as follows

(1) Maximum amount of provident fund loan where the house is purchased.

1. Chengdu: For families with two or more employees who meet the loan conditions, the maximum amount of the first housing provident fund loan is 800,000 yuan, and the maximum amount of the second housing provident fund loan is 700,000 yuan.

The maximum amount of provident fund loans is 400,000 yuan for single-family housing that meets the loan conditions to purchase the first or second home.

2. The same urban area:

Deyang: 600,000 yuan for dual-employee families; Single worker family 400 thousand yuan.

Meishan: 500,000 yuan for dual-employee families; Single worker family 400 thousand yuan.

Ziyang: 600,000 yuan for dual-employee families; Single worker family 400 thousand yuan.

If the maximum amount of provident fund loans at the place where the house is purchased is adjusted, it shall be implemented according to the latest regulations.

(2) Calculation formula of loan amount

1. depositor's loan amount = ∑ (monthly paid provident fund × corresponding storage months × loan-to-deposit ratio coefficient)

2. After adding up the loan quotas of all borrowers who meet the conditions of provident fund loans for each loan, the loan quota of this provident fund loan can be obtained.

3. Please log in to Chengdu Provident Fund APP and Tianfu Citizen Cloud for the trial results of my loan line. , or consult Chengdu Provident Fund Center and loan bank.

You can also click: Chengdu Provident Fund Loan Calculator (Calculation of Repayment Loan Amount)

Calculation formula of loan amount (note: the maximum amount of the first suite for dual employees in the following example is 800,000)

(1) Loan amount paid to employees = ∑ (monthly paid-in provident fund × corresponding storage months × deposit and loan coefficient) The loan amount of each paid-in employee is calculated in monthly installments, and each paid-in provident fund corresponds to a loan amount.