1. The formula for calculating the loan amount of housing provident fund is adjusted to: the balance of the housing provident fund account of the borrower (including the borrower) × 10 (times); The loan term is determined according to the monthly repayment amount, which shall not exceed 50% of the monthly deposit base.
The balance of the housing provident fund account of the person who has participated in the Class A plan or the original Class A provident fund plan is the balance of the amount stored in my housing account (or housing provident fund account) and my ordinary special account after the accrued pension payment is sufficient when applying for a loan; Other personnel shall be subject to the balance of housing provident fund at the time of application.
If the balance of the housing provident fund account of the loan applicant (including the same loan applicant) is less than 6,543.8+0,000 yuan, it shall be calculated as 6,543.8+0,000 yuan.
2. The time limit for the loan applicant to pay the provident fund in full and on time before the month of application is adjusted to more than twelve months.
Two, a plan to apply for housing provident fund loans to the park provident fund agencies, can still be implemented according to the original provisions.
Three, * * * when applying for a loan, according to the social insurance (provident fund) comprehensive protection plan that the main borrower participates in, determine the conditions, amount and duration of the housing provident fund loan.
Four, low-income families with housing difficulties to buy affordable housing to apply for loans, the loan amount can be appropriately floating, the floating amount does not exceed 30 thousand.
Five, the housing provident fund loan amount and the maximum period remain unchanged.
VI. This notice shall be implemented as of April 20 13 15. If the signing date of the purchase contract of the insured in Class B plan is before this date, and the applicant applies for the housing provident fund loan to the park provident fund agency before May 20 13 15, it can still be implemented according to the original regulations; Applications for housing provident fund loans are in line with the provisions of this notice.
The contents not covered in this notice are still implemented according to the original provisions.