Provident fund loans can be borrowed 500 thousand.
Generally, one person applies for a housing provident fund loan with a maximum loan amount of 500,000, and two or more people apply for a housing provident fund loan with a maximum loan amount of 800,000.
Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of personal housing provident fund loans in Guangzhou is 500,000 yuan, and the maximum amount of housing provident fund loans in Beijing is 800,000 yuan. If the rating is 3A, it can reach 800,000 (130%) =1040,000.
Information on handling housing provident fund loans:
(1) Employee's and spouse's ID card, original household registration book, original marriage certificate or marital status certificate, and housing provident fund card.
(2) The original sales contract (the purchase of second-hand houses must also provide the house ownership certificate, state-owned land use certificate, People's Republic of China (PRC) and deed tax payment certificate).
(3) The down payment certificate issued by the selling unit.
(4) The letter of commitment signed by the borrower and the letter of commitment that the loan bank can inquire and print the personal credit report through the credit information system of the People's Bank of China.
What is the amount of personal provident fund loan?
The calculation formula of personal provident fund loan amount is: (monthly contribution × total months of legal retirement age) ×2. How much you can borrow from the 10 thousand provident fund depends on the loan amount of the local housing provident fund. For example; Wang, 25, retired at 65. Currently, the provident fund is being paid. The monthly deposit is 600 yuan, and the balance of provident fund is 1 000 yuan, so the maximum loan can be (60040 1 2 1 000,000) 2 = 596,000 yuan. Can't exceed the local government restrictions.
Legal basis:
"Regulations on the Administration of Housing Provident Fund" Article 16 The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
"Regulations on the Management of Housing Provident Fund" Article 21 The housing provident fund shall bear interest at the interest rate stipulated by the state from the date it is deposited in the employee housing provident fund account.
How much can the provident fund loan borrow?
First of all, answer directly.
Although there are about four ways to calculate the loan amount when borrowers apply for provident fund loans, housing provident fund centers in most areas calculate the loan amount according to the balance of borrowers' provident fund accounts.
Second, the specific analysis
The loan amount of the provident fund is 10- 15 times of the balance of the provident fund account, and most cities can reach 15 times. The balance of the provident fund account can be inquired through the SMS of monthly payment of the provident fund, or through Alipay and WeChat city service.
Borrowers can know the maximum loan amount of their provident fund as long as they can check their balance.
Assuming that the borrower's provident fund balance is 50,000 yuan, then according to the calculation, the maximum loan can be 750,000 yuan through the provident fund.
Of course, the above is only a theoretical calculation method.
Because according to the regulations, the maximum amount of application for provident fund loans in the name of individuals cannot exceed 600,000 yuan.
If the borrower is in the name of husband and wife, the maximum loanable amount is 6.5438+0.2 million yuan.
If the borrower is applying to buy a second home, the loan amount will drop a lot.
For example, if you buy the first suite in Wuhan, the maximum amount of provident fund loan is 700,000, and the maximum amount of second suite loan is 500,000.
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3. How many years can the provident fund loan be borrowed?
The longest loanable period of provident fund loans is 30 years. You can choose the loan term according to your actual situation within this range. If you can bear greater repayment pressure, choosing a loan with a shorter term can save you some interest expenses.
When applying for provident fund loans, the following conditions are also required to meet the requirements.
1, personal credit is good.
2. Personal income is stable.
3. The debt ratio is not high.
4. The status of the provident fund account is normal.
5. The balance of the provident fund account is sufficient.
6. The provident fund has been continuously deposited 12 months.
7. There is no outstanding provident fund loan in the name.
8. The down payment is paid according to the regulations.
The amount of provident fund loans is related to the balance of provident fund accounts. Under the premise of not exceeding the amount of provident fund loans, the more the balance of provident fund accounts, the more provident fund loans you can apply for. Therefore, in normal times, it is still not easy to withdraw funds from the provident fund account.
There will be some differences in provident fund loan policies in different regions. You can consult the local provident fund center first when you borrow money.
How much provident fund can a person borrow?
Many people choose provident fund loans when buying a house, because the interest rate of provident fund loans is lower, but there are certain requirements for handling provident fund loans. How much provident fund can a person borrow? What matters should be paid attention to in provident fund loans? Next, Bian Xiao will introduce you to related issues, so let's have a look.
How much provident fund can a person borrow?
The amount of provident fund loans should be reviewed. Many cities stipulate that a person's provident fund loan cannot exceed 80% of the total house price. If you use my housing provident fund to apply for housing provident fund loans, you can apply for a maximum loan amount of 400,000; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, the maximum loan amount can be 600,000; If I use my housing provident fund to apply for a housing provident fund loan, and pay the supplementary housing provident fund normally when applying for a loan, the maximum loan amount can be 500,000 yuan.
What are the requirements for provident fund loans?
1. The borrower must have a city account.
2, usually income should be stable, good credit, have the ability to repay the loan.
3, there is a legal contract or agreement to buy their own housing, and a prescribed proportion of self-raised funds.
4. The assets stipulated in the Guarantee Law are the mortgage or pledge of loans.
5. Agree to handle the purchase guarantee or mortgage property insurance.
6. Agree to other conditions stipulated in the housing provident fund management.
What matters should be paid attention to in provident fund loans?
1. First, the loan materials should be prepared. Handling provident fund loans is complicated. In order to save the processing time and speed up the processing, the applicant must first determine with the bank what materials need to be prepared, and bring all the necessary materials with him when he goes to process.
2. Before applying for provident fund loans, you should fully understand the loan requirements, because not everyone can apply for provident fund loans. In addition, the difference between provident fund loans and commercial loans, loan interest rates, loan terms, etc. You should consult clearly in advance.
Summary: The above is what Bian Xiao introduced to you about how much provident fund a person can borrow and some requirements for provident fund loans, hoping to help some friends in need.
How much can the provident fund loan borrow?
1. How much can the provident fund loan satisfy the hunger base?
1, maximum loanable 1 ten thousand yuan. Among them, paid employees can borrow more than 500,000 yuan, and personal loan lines are available. The personal loanable amount of employees is determined by a certain multiple of the average monthly deposit, and its calculation formula is: multiple of the average monthly deposit of employees.
2. Legal basis: Article 29 of the Regulations on the Management of Housing Provident Fund.
The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used to establish the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.
Two, provident fund loans can be borrowed for several years.
1. housing provident fund loan period 1-30 years. Theoretically, the loan period cannot be longer than the time when the lender reaches the statutory retirement age, but some local policies can extend it to 5 years after the statutory retirement age;
2. The loan period of housing provident fund loans is also related to first-hand houses and second-hand houses and their uses. Apply for housing provident fund loan. The longest time to borrow a new house is not more than 30 years, and the longest time to borrow a second-hand house is not more than 15 years. The longest time for private construction, renovation and overhaul to apply for housing provident fund loans shall not exceed 15 years. Apply for provident fund loans for building construction, renovation and overhaul. The loan term should be consistent with the loan term required for house purchase. It should be noted that the above-mentioned fixed number of years shall not be greater than 5 years after the statutory retirement time of the borrower.
So much for the introduction of how much personal provident fund can borrow.