Legal Analysis: The maximum loan limit of Zhangzhou Provident Fund is 500,000. 1) Buy the first house and use the housing provident fund loan for the first time. The maximum loan amount for a single employee is 300,000 yuan, and the maximum loan amount for a dual employee is 500,000 yuan. 2) If you buy a second set of improved housing or use the housing provident fund loan for the second time, the maximum amount of personal loans for employees is 200,000 yuan, and the maximum amount of family loans for dual employees is 300,000 yuan. 3) Loan amount for purchasing commercial housing = total house price-down payment (if the construction area of the first suite is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20% of the total house price; If the construction area is more than 90 square meters, the down payment ratio shall not be less than 30%, and the down payment for the second or second use of housing provident fund loans shall not be less than 50%)-the amount of housing provident fund withdrawn by the applicant and the owner of * * * *; The loan amount for purchasing second-hand houses = 60% of the taxable value of deed tax (50% of the housing provident fund loan used in taxable value for the second time)-the amount of housing provident fund withdrawn by the applicant and the * * * owner; Loan amount for self-occupied housing construction, renovation and overhaul = 70% of the total price (the loan for the second or second use of housing provident fund is 50% of the total price)-the amount of housing provident fund withdrawn by the applicant and the * * * owner. 4) The repayment ratio shall not exceed 50% (repayment ratio = monthly repayment amount/family monthly income (income is subject to the statement) 100%).

Legal basis: Notice of Zhangzhou Housing Provident Fund Center on Adjusting Relevant Policies of Housing Provident Fund Business.

Workers' families purchase or build self-occupied housing, withdraw housing provident fund to pay housing prices or repay commercial housing loans, and cancel the number of housing provident fund loans and the number of restrictions.

(2) The down payment ratio for employees' families who apply for using the housing provident fund to purchase new commercial housing is not less than 40% (including not less than 30% in Changtai District, Nanjing County, Pinghe County, Hua 'an County, Zhangzhou Development Zone, Taiwanese Investment Zone and High-tech Zone). If the employee's family has used and settled the housing provident fund loan, the down payment ratio for re-applying to use the housing provident fund to purchase new commercial housing shall not be less than 40% (including Changtai District, Nanjing County, Pinghe County, Hua 'an County, Zhangzhou Development Zone, Taiwanese Investment Zone and High-tech Zone shall not be less than 30%). The above-mentioned adjustment of the minimum down payment ratio for the purchase of new commercial housing shall be implemented from the date of issuance, subject to the submission time of the online signing of the commercial housing sales contract.

Third, strengthen the prevention and control of the liquidity risk of housing provident fund. When the utilization rate of funds reaches more than 90% (inclusive), the maximum amount of housing provident fund loans will be adjusted according to the spirit of the meeting of the Municipal Housing Provident Fund Management Committee.

Calculation formula of Zhangzhou provident fund loan amount in 2022

It should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount.

The calculation formula is: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). Usage of spouse's quota: [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution).

The minimum value calculated by the four conditions is the maximum loanable amount of the lender.

Can Xiamen's provident fund buy a house in Zhangzhou

Legal analysis: First of all, Xiamen's provident fund can't buy a house in Zhangzhou. If you withdraw the balance, you can withdraw it before. Now you need to meet your own account or spouse's account in Zhangzhou before you can withdraw the provident fund. Zhangzhou Housing Provident Fund replied on the Internet that the provident fund paid by Xiamen could not be used in Zhangzhou. Zhangzhou City Housing Provident Fund said that some cities in Fujian Province have opened provident fund loans in different places, and Zhangzhou City has suspended loans in different places because of the high utilization rate of provident fund funds, which has exceeded the warning line. However, after the implementation of off-site loans in other cities in the province, the management of off-site provident fund loans has become more difficult and fraudulent loans have occurred frequently, so many cities have stopped issuing off-site loans. At present, Fujian Provincial Housing and Construction Department is drafting new management norms, and Zhangzhou Housing Provident Fund Management Center is also actively following up. If the new policy is implemented, it will be announced on the provident fund website as soon as possible.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 2 "These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations (hereinafter collectively referred to as units) and their employees. "

Sixteenth "employee housing provident fund monthly deposit amount is the employee's average monthly salary in the previous year multiplied by the employee housing provident fund deposit ratio. The monthly contribution of the housing provident fund paid by the unit for employees is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of the unit housing provident fund. "

Twentieth units stipulated in the first paragraph shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.

Zhangzhou, Fujian: Cancel the restrictions on the number of housing provident fund loans and housing units.

On June 6th, official website and Zhangzhou Housing Provident Fund Center of Fujian Province issued the Notice on Adjusting Relevant Policies of Housing Provident Fund Business (hereinafter referred to as the Notice), in which it was mentioned that if employees purchase or build self-occupied houses and withdraw housing provident fund to pay house prices or repay commercial housing loans, the number of housing provident fund loans and the number of housing provident fund loans will be cancelled.

According to the notice, if employees' families apply to use the housing provident fund to purchase new commercial housing, the down payment ratio for the second and above housing shall not be less than 40% (including Changtai District, Nanjing County, Pinghe County, Hua 'an County, Zhangzhou Development Zone, Taiwanese investment zone and high-tech zone shall not be less than 30%).

If the employee's family has used and settled the housing provident fund loan, the down payment ratio for re-applying to use the housing provident fund to purchase new commercial housing shall not be less than 40% (including Changtai District, Nanjing County, Pinghe County, Hua 'an County, Zhangzhou Development Zone, Taiwanese Investment Zone and High-tech Zone shall not be less than 30%).

The above-mentioned adjustment of the minimum down payment ratio for the purchase of new commercial housing shall be implemented from the date of issuance, subject to the submission time of the online signing of the commercial housing sales contract. In addition, the notice also stated that it is necessary to strengthen the prevention and control of the liquidity risk of housing provident fund. When the utilization rate of funds reaches more than 90% (inclusive), the maximum amount of housing provident fund loans will be adjusted according to the spirit of the meeting of the Municipal Housing Provident Fund Management Committee.

Zhangzhou Housing Provident Fund Center said that in order to further expand the coverage of the housing provident fund system, give full play to the inclusiveness of the housing provident fund system, and increase support for flexible employees in Zhangzhou to solve their own housing needs, Zhangzhou Housing Provident Fund Center will try to establish a housing provident fund system for flexible employees in Zhangzhou, and the specific management measures will be announced separately after formulation.

What is the loan amount and interest rate of Zhangzhou housing provident fund?

If you apply for individual housing provident fund loans in Zhangzhou City, Fujian Province, the amount of individual housing provident fund loans shall be implemented in accordance with the relevant provisions of individual housing provident fund loans.

In portfolio loans, the amount of commercial personal housing loans shall not exceed the difference between the house price and the sum of down payment and personal provident fund loans. The total loan amount of the first housing portfolio loan (that is, the sum of the provident fund loan part and the commercial loan part) does not exceed 70% of the value of the purchased house (the lower of the transaction price of the first-hand house and the evaluation price and transaction price of the second-hand house); If a second house is purchased with a loan, the total amount of the loan shall not exceed 40% of the value of the house purchased (the lower of the transaction price of the first-hand house and the evaluation price and transaction price of the second-hand house). Where there are stricter provisions in relevant laws, regulations, regulatory provisions and local housing loan policies, those provisions shall prevail; Suspension of the third and above commercial housing loans. The specific amount of the commercial part of a single portfolio loan shall be determined one by one according to the borrower's repayment ability and credit history.

Individual housing provident fund loans shall be implemented in accordance with the interest rate of individual housing provident fund loans of the same grade published by the People's Bank of China and the relevant policies and regulations of the Ministry of Housing and Urban-Rural Development. The interest rate of commercial individual housing loans in portfolio loans shall be implemented in accordance with the relevant provisions of individual commercial housing loans.

The above contents are for your reference. Please refer to the actual business regulations.

How much is the Zhangzhou provident fund loan of 400,000 yuan?

Zhangzhou provident fund can borrow 400 thousand if it does not exceed 20 thousand. According to relevant information, Zhangzhou provident fund loan can be 400,000 if it does not exceed 20,000, and the specific amount should be judged according to the specific requirements of your own unit.