1. How to calculate the provident fund loan limit (Zhejiang Province)?

The loan limit in Zhejiang Province depends on the place where you pay the provident fund. The provident fund loan policy is different in each place. , for details, you can go to the provident fund centers in various places to check.

For example: Hangzhou provident fund loan limit is as follows: if 131 yuan ≤ monthly payment and deposit amount < 406 yuan, the maximum loan amount is 150,000 yuan; if 406 yuan ≤ monthly payment and deposit amount < 975 yuan, the maximum loan amount The loan limit is 300,000 yuan; if the monthly deposit is ≥975 yuan, the maximum loan limit is 500,000 yuan. If an employee and his or her spouse both contribute to the housing provident fund, the specific loan limit is calculated on a per-person basis, and the maximum total loan limit is 800,000 yuan.

2. Zhejiang Provident Fund Loan Amount

The maximum provident fund loan limit in Zhejiang Province is 1 million yuan. .For families purchasing off-plan or existing houses, the maximum loan limit for families with a first-home loan limit that does not exceed the house transaction provident fund is 450,000 yuan, and the maximum loan limit for a family with a single employee paying provident fund is 400,000 yuan.

Loanable Quantity Housing Provident Fund monthly payment amount 3

People paid provident fund, and the amount was 500,000 yuan. The applicant's specific loan limit will be determined based on the provident fund payment status and the maximum loan limit standards stipulated by the center, the repayment ability and credit status of the individual purchased, and other factors. For housing provident fund loans in Zhejiang Province, the maximum term is 30 years, and shall not exceed the legal retirement age of the applicant or spouse (men are over 65 years old, women are over 60 years old); the loan period is 50 years; the application is a provincial provident fund combination For loans, you also need to consider business comprehensively.

Process of provident fund loan:

The loan shall be approved by the provident fund loan business outlet of the entrusted bank. The decision to grant or not grant a loan after confirmation of acceptance;

2. Sign a mortgage loan contract; go through the mortgage registration procedures; and review the loan. After receiving the real estate registration certificate, the Provident Fund Center will conduct a loan review;

3. Loan grant. The trustee bank will issue the loan according to the agreed lending conditions and after verification, and the loan funds will be accounted according to the contract stipulated in the contract

Legal basis:

Article 24 of the "Housing Provident Fund Management Regulations"

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

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

(2) Retirement or retirement;

(3) Termination of labor relations;

(4) Leaving the country to settle down;

( 5)

(6) The rent exceeds the prescribed proportion of family wage income.

According to the provisions of item (4), when the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

When an employee dies or is declared dead, the donor can withdraw the storage balance in the employee’s housing provident fund heir or legatee and include it in the appreciation income of the housing provident fund.

3. What is the deposit ratio of Zhejiang Provident Fund?

The housing provident fund payment ratio in Zhejiang Province is 12 for units and 12 for individuals. Based on the annual average monthly salary of employees, the monthly housing provident fund payment is calculated in a ratio of 5-12.

For units that do not implement monetization of housing allocation, the housing provident fund payment ratio can be appropriately increased based on the 12 payment ratio, but the maximum shall not exceed 18.

4. Zhejiang Provident Fund Loan Amount

The maximum provident fund loan limit in Zhejiang Province is 1 million yuan. .For those who purchase off-plan or existing houses, the loan limit for the first house shall not exceed 80% of the transaction price of the house, and the loan limit for the second house shall not exceed 602% of the transaction price of the house. The maximum loan limit for a family with two workers paying provident fund is 450,000 yuan, and a single worker paying provident fund shall have a maximum loan limit of 450,000 yuan. The maximum loan amount for a household is 400,000 yuan.

Loanable amount Housing provident fund monthly payment amount × 12 × housing provident fund personal account balance for future payment years) Approved at 300,000 yuan. If a person pays provident fund and applies for a loan, the maximum amount is 500,000 yuan. The applicant's specific loan limit will be comprehensively determined based on the provident fund payment status and the maximum loan limit standards stipulated by the center, the condition and price of the purchased house, personal repayment ability and credit status and other factors. For housing provident fund loans in Zhejiang Province, the maximum term is 30 years, and shall not exceed the legal retirement age of the applicant or spouse (men are over 65 years old, women are over 60 years old); the loan period is 50 years; the application is a provincial provident fund combination For loans, you also need to comprehensively consider the requirements of commercial loan banks for the loan period. Provident fund loan process: 1. To apply for a loan, submit the application to the provident fund loan business outlet of the entrusted bank corresponding to the property; the provident fund center will accept the loan; and the loan will be approved. After confirmation of acceptance, a decision will be made within five working days to grant a loan or not; 2. Sign a mortgage loan contract; go through the mortgage registration procedures; and review the loan. After receiving the real estate registration certificate, the Provident Fund Center will conduct a loan review; 3. Loan disbursement. The trustee bank will issue the loan according to the agreed lending conditions and after verification, and the loan funds will be transferred according to the account agreed in the contract. Legal basis: Article 24 of the "Housing Provident Fund Management Regulations" 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 a self-occupied house; (2) ) Retirement or retirement; (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 a house purchase loan; (6) The rent exceeding the prescribed proportion of family wage income . In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, when 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 or 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 will be included in the appreciation income of the housing provident fund.