The housing accumulation fund shall be earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work, terminates the labor relationship with the unit or moves out of the original city can the housing provident fund in his account be withdrawn. Next, let's sort out whether the loan amount of Xi 'an provident fund exceeds 654.38+0 million. I hope I can help you!
Does Xi 'an provident fund loan amount exceed 6,543,800+0,000?
1. The single loan amount shall not exceed the maximum loan amount stipulated by the Xi Housing Provident Fund Management Committee.
2. If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse pay the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 650,000 yuan.
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I term of provident fund loan
1. Purchase commercial housing, affordable housing and raise funds to build houses, with a maximum loan period of 30 years; If you buy a second-hand house, the sum of the loan period of the second-hand house and the completion period of the house shall not exceed 30 years.
2. The longest loan term shall not exceed 30 years, and the maturity date of the loan shall not exceed 5 years after the statutory retirement time of the loan applicant. When applying for a loan, the borrower shall not be older than his statutory retirement age (in principle, women are 55 years old and men are 60 years old. Special circumstances, need to provide relevant documents).
Second, the loan conditions
1. Employees who have paid the housing provident fund in full and continuously for more than 12 months (inclusive) and have full capacity for civil conduct can apply for housing provident fund loans when purchasing, building, renovating or overhauling their own ordinary houses. If the housing provident fund is deposited in different places and the deposit is less than 12 months at the current deposit place, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place.
2, employees to apply for housing provident fund loans should also meet the following conditions:
(1) Holding valid identity documents;
(2) Having a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
(three) the purchase of housing, must have a contract or agreement to buy housing according to law; Newly built, rebuilt and overhauled houses must have documents approved by the construction, planning and land management departments; The purchase of second-hand housing also needs to provide an evaluation report issued by an evaluation agency recognized by the provident fund center;
(four) the purchase of housing, should have paid a down payment of not less than the prescribed proportion; Construction, renovation and overhaul of housing, can pay not less than the prescribed proportion of the construction, renovation and overhaul of housing costs down payment or self financing;
(five) guarantee according to the agreement between the provident fund center and the entrusted bank;
(six) there is no outstanding housing provident fund loan principal and interest when applying for housing provident fund loans;
(seven) other conditions stipulated by laws, regulations and rules.
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