Legal analysis: 1, loan amount and proportion of first-hand housing provident fund

Apply for the first home provident fund loan, the maximum loan amount is 600,000 yuan, and the loan ratio does not exceed 70% of the total price of the house purchased by Sakura Mo Nian (the construction area can be relaxed to 80% if it is 90 square meters or less); If you apply for provident fund loan for buying a second suite and meet the requirement that the existing housing construction area of Wuhan employees' families is below 1.40 square meters, the maximum loan amount is 600,000 yuan. After deducting the difference after the housing provident fund loan has been used for the first time, the maximum loan ratio does not exceed 40% of the total housing price.

2, the second-hand housing provident fund loan amount and proportion

If you apply for provident fund loan for purchasing the first suite, the maximum loan amount is 600,000 yuan, and the loan ratio is divided into three grades according to the construction completion years. If the completion period of the house is within 10 year (including 10 year), the maximum loan ratio shall not exceed 70% of the total house price (it may be relaxed to 80% if the building area is 90 square meters or less); If the house completion period is within 1 1-20 years (including 20 years), the maximum loan ratio shall not exceed 60% of the total house price; If the completion period of the house is within 2 1-30 years (including 30 years), the maximum loan ratio shall not exceed 50% of the total house price. Among them, the determination of the total housing price is based on the housing evaluation price, the actual transaction price and the lowest price in the taxable value; If you apply for provident fund loan for buying a second suite and meet the requirement that the existing housing construction area of Wuhan employees' families is below 1.40 square meters, the maximum loan amount is 600,000 yuan. After deducting the difference after the housing provident fund loan has been used for the first time, the maximum loan ratio does not exceed 40% of the total housing price.

Legal basis: Regulations of the State Council on the Administration of Housing Provident Fund.

Article 16 The monthly deposit amount of employee housing provident fund shall be 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 disabled units.

Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio.

The employees newly transferred to the unit shall pay the housing provident fund from the date of transfer to the unit, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.

Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.

Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by their units.

The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank shall include it in the employee housing provident fund account.

2. What is the loan amount of housing provident fund?

The maximum loanable amount of general provident fund loans is 6,543,800 yuan, of which the loanable amount of single deposit employees does not exceed 500,000 yuan.

The calculation method of the loanable amount of provident fund is as follows:

1, calculated by account balance. The first method is to calculate according to the account balance of housing provident fund. The loan amount cannot exceed 65,438+00 times of the account balance. If the loan is for both husband and wife, it cannot exceed 10 times of the total balance of two provident fund accounts. Less than 20,000, calculated as 20,000.

2. according to the maximum. If the individual has cut off the provident fund, the loan from the provident fund cannot exceed 400,000 yuan, and the loan from the husband and wife provident fund cannot exceed 600,000 yuan. If the provident fund is not cut off, the maximum loan is 500,000, and the maximum loan for both husband and wife is not more than 700,000;

3. Calculated according to repayment ability. The amount of provident fund loan is (monthly deposit, legal retirement age, total number of months, balance of provident fund account).

The loan amount of individual housing provident fund depends on the borrower's repayment ability and comprehensive qualification, as well as the balance of housing provident fund account, housing appraisal value, local market conditions and other factors.

legal ground

Regulations on the administration of housing provident fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

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3. How much can I borrow from the provident fund loan?

The amount of provident fund loans is determined according to the housing provident fund policy of the local government. Taking Zhengzhou as an example, Zhengzhou raised the loan amount of housing provident fund to 800,000 yuan. When purchasing new commercial housing, the proportion of provident fund loans shall not exceed 70% of the total property price. When purchasing valuable commodity housing (second-hand housing), the proportion of provident fund loans shall not exceed 60% of the total housing price.

The adjustment of the maximum loan amount means that both husband and wife of the borrower meet the conditions for provident fund loans, and the family applies for provident fund loans for the first time. If the borrower unilaterally meets the conditions for provident fund loans, or the family applies for provident fund loans twice, the maximum loan amount will be raised from 400,000 yuan to 600,000 yuan.

4. What is the amount of provident fund loan?

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 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants. Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price; When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.