If you want to apply for housing provident fund loans in China Merchants Bank, due to the different policies in different cities, it is recommended that you contact the local handling outlets or provident fund management centers by telephone to confirm whether there is provident fund loan business and related regulations (such as application conditions, audit standards, real estate requirements, amount and duration, etc.). ) In your local area.

Second, how long can the Suzhou housing provident fund loan last?

Suzhou New District Provident Fund loan, 0%, the balance of each account is 10 times, and the monthly payment is less than 50% of the monthly income (up to 30 years).

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. Loan applicant (where the balance of the * * * loan account is less than 1 10,000 yuan, it shall be calculated as 1 10,000 yuan; Moderately disabled people apply for housing loans, and the loan amount can be appropriately increased to a maximum of 30,000.

2. The loan applicant has continuously paid more than one month before the application.

I. Suzhou City

1. The loan applicant and the loan applicant who participated in the calculation of the loanable amount have paid the housing provident fund in full and on schedule for more than 6 months (inclusive) before the application date, and they have personal housing provident fund accounts at the time of application.

2. No provident fund loan balance;

3. Apply for provident fund loans for the first time or for the second time;

4. Newly purchased ordinary houses within the scope of Suzhou, and the purchased houses belong to real estate;

5. The down payment for house purchase shall not be less than the specified proportion;

6, can be implemented

Second, how to apply for provident fund loans when buying second-hand houses

Step 1: handle the sales contract and get the loan application form from the housing provident fund management center (hereinafter referred to as the center);

Step 2: The applicant takes ID card, household registration book, completed loan application form, house sales contract, transferred house ownership certificate, evaluation report and other materials to the center to review the loan amount and calculate the payable expenses;

Step 3: If the applicant agrees to apply for a loan, the applicant will sign a loan contract with the central payer with four ID cards, one household registration book, two house ownership certificates and one tax-paid invoice/kloc-0, and pay relevant fees (such as guarantee fee renewal premium);

Step 4: The applicant withdraws money at the correspondent bank window of the center on the specified date and receives the receipt.

Three, housing provident fund loans can be the largest number of loans in Suzhou.

The maximum loan condition of 700,000 provident fund is: 1. Having legal and valid identity documents; 2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good; 3. Have a stable income and the ability to repay loans; 4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department; 5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid; 6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses; 7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments; 8 overhaul housing, approved by the planning and management department; 9. Being able to provide effective guarantee recognized by the management center; 10. Other conditions stipulated by relevant laws, regulations and policies.

How much can Suzhou housing provident fund with a price of more than 4.300 yuan be loaned?

1. There is no direct relationship between the loan amount of provident fund and the monthly deposit amount of provident fund.

Generally speaking, as long as the balance of the provident fund account is 40,000 yuan, you can apply for a provident fund loan of up to 800,000 yuan. But it shall not exceed 80% (residential) or 50% (non-residential) of the assessed value of the mortgaged house.

3. The standard formula for calculating the loan amount of provident fund is: the loan amount of provident fund = no more than 20 times (the withdrawal amount of housing provident fund purchased by loan is now the balance of provident fund), and if the balance is less than 20 times, it is calculated as 6,543,800+0.5 million. At the same time, it is required not to exceed 80% (residential) or 50% (non-residential) of the assessed value of the mortgaged house. Second, the total amount of housing provident fund loans and monthly repayment of borrowers' families does not exceed 60% of family income.

4. For example

If the monthly provident fund is deposited in 600 yuan for 70 months, the total balance in the account is 42,000 yuan. In this way, you can apply for a loan of 20 times the account balance, that is, 4,200,020 = 840,000 yuan, but the maximum amount of provident fund loans you can apply for is not more than 800,000 yuan. You can finally apply for a loan of 800,000 yuan.

5. In addition to the above requirements, the following important contents need to be prompted.

1. The borrower's provident fund must be paid in full for 6 months continuously, and the account status is normal. After opening an account, there is no repayment, batch payment or repayment. If it takes 6 natural months to exceed 1 month, the loan cannot be made if the provident fund is not paid.

Second, if the borrower has multiple provident fund accounts, it needs to be merged before applying for a loan.

Third, the same borrower may not apply for housing provident fund loans for more than three times.

Fourth, the amount of provident fund loans is based on the deposit base of housing provident fund, which has nothing to do with actual wages.