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.
What are the loan conditions of Chengdu provident fund?
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 policy
Legal analysis: 1. Loan amount and term: 1. Increase the calculation coefficient of loan amount. The calculation coefficient of loan amount is increased from 30% of the deposit base of housing provident fund to 50%. 2. Comprehensive calculation of loan withdrawal. Employees who purchase self-occupied housing and apply for loans to withdraw housing provident fund shall not exceed the total purchase price. Housing provident fund withdrawal should be handled in one lump sum before applying for a loan. 3. Extend the loan term. The loan period is extended to 5 years after the borrower's statutory retirement age. 2. Loans from different places in the province: If employees and their spouses work in Dongying or have registered permanent residence, and pay housing provident fund normally in other cities in the province to buy self-occupied housing in Dongying, they can provide relevant certification materials issued by the housing provident fund center where they paid, and apply for loans in our city. Housing provident fund is normally deposited in the housing provident fund management center of our city. If you work in other cities in the province, you can apply for a loan in our city if you buy a self-occupied house at your work unit. The loan guarantee in different places in the province is implemented according to the loan policy in different places.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
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.
What are the provident fund loan policies in Chengdu?
In recent years, the real estate industry has been rising, and it is not easy for many young people to buy a house. In order to buy a house, they had to borrow money from their parents' bank. Let's take a look at the provident fund loan policies in Chengdu and Bian Xiao.
Chengdu provident fund loan policy
1, loan term, from June 6, the loan term was changed from the original 20 years to 30 years.
2. Loan amount. From June 6, the maximum amount of husband and wife provident fund loans was changed from 600,000 to 700,000, and the amount of personal provident fund loans remained at 400,000.
3. Loans have multiplied. The original balance of the provident fund account was 20 times, and now it is 30 times.
Provident fund withdrawal business process
1, withdrawal of provident fund, no unit certificate is required.
2, owing on the loan extraction, the same housing does not need to provide a purchase contract.
3. Adjusted the items of business audit materials.
4. Withdrawing the provident fund after leaving the company is proof that it is no longer necessary to terminate the labor relationship.
5. For employees with sealed accounts, account cancellation information needs to be adjusted.
6, extract major diseases, no longer need to prove serious difficulties in life.
Hong Kong, Macao and Taiwan compatriots enjoy housing provident fund treatment in Chengdu.
Compatriots from Hong Kong, Macao and Taiwan who have paid the housing provident fund can withdraw the individual housing provident fund and apply for individual housing loans from the housing provident fund, just like the employees who have paid in the Mainland. Chengdu does not refuse provident fund loans to buy a house. The biggest use of provident fund is to apply for a loan when buying a house.
Housing provident fund loan conditions?
1. The borrower must have a town account; I want to pay the housing accumulation fund on time in this city for more than one year.
2. Have a stable professional income, good credit and the ability to repay loans.
Summary: Chengdu provident fund loan policy. Loan Term: From June 6th, the loan term will be changed from 20 years to 30 years. Loan amount. From June 6, the maximum amount of husband and wife provident fund loans was changed from 600,000 to 700,000, and the amount of personal provident fund loans remained at 400,000. Loans have multiplied. The original balance of the provident fund account was 20 times, and now it is 30 times.
How much can Chengdu provident fund borrow?
The loan amount of Chengdu provident fund is 700,000 yuan.
Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for more than a certain period of time can apply for provident fund loans when the funds for purchasing, building, renovating and overhauling their own houses are insufficient.
Chengdu provident fund loan conditions are as follows:
1, employees with permanent residence in cities and towns or valid residence identification;
2. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 consecutive months, and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans;
3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the proportion of the value of the purchased housing;
4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;
5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor;
6, other conditions stipulated by the provident fund center.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.