According to the New Deal, starting from June 5438+1 October 20231,the maximum amount of a single provident fund loan in Changchun is: the house is purchased in the main urban area and development zone of Changchun (excluding Shuangyang District and Jiutai District); If there are the same borrowers, the maximum amount of a single loan is 900,000 yuan; No borrower: 600,000.
If the provident fund for giving birth to and raising two or three children is paid to the employee's family and the provident fund loan is applied for for the first time, the loan amount of "two-child family" can be increased by 654.38+10,000 yuan on the basis of the maximum amount of a single loan; The loan amount of "three-child family" can be increased by 200,000 yuan on the basis of a single maximum amount.
For college graduates who have established provident fund accounts in Changchun and actually paid in, if they apply for provident fund loans for the first time, they can apply for a provident fund loan of up to 500,000 yuan, which is not limited by the time limit of provident fund deposit.
The "Notice" shows that the maximum amount of a single provident fund loan in Shuangyang District and Gongzhuling City of Changchun City is: if there is a borrower with the same name, the maximum amount of a single loan is 650,000 yuan; 500,000 yuan without the borrower; The voluntary payer in Gongzhuling City is 300,000 yuan.
In addition, the house is located in Jiutai District, Yushu City and Nong 'an County, dehui city: if there is a borrower, the maximum amount of a single loan is 450,000 yuan; No, the borrower is 300 thousand.
The employees paid in the branches under the jurisdiction of the railway power sub-center shall be implemented according to the provident fund loan policy at the place where the house is purchased.
According to the Notice, if you apply for provident fund loans for the first time, the loan amount shall not be higher than 80% of the value of collateral; Apply for provident fund loan for the second time, and the loan amount shall not be higher than 70% of the value of collateral. Under the premise of not exceeding the maximum amount of a single loan, the loan amount that can be applied for is 20 times the sum of the balance of the provident fund account on the day when the borrower and spouse apply for provident fund loans.
At the same time, when the loan amount applied for provident fund can't meet the loan demand, you can apply for commercial personal housing loans from the entrusted banks and handle the portfolio loans of housing provident fund commercial banks. Cancel the housing provident fund family portfolio loan.
Changchun Housing Provident Fund Management Center explained that this move is to standardize the management of individual housing loans of housing provident fund in Changchun, increase the support of provident fund for paid employees to purchase just-needed and improved housing, and promote the virtuous circle and healthy development of the real estate market in Changchun.