1, housing provident fund personal housing loan is only for individuals to borrow from ordinary housing and cannot be used for speculative housing purchase.

2, the use of housing provident fund personal housing loans to buy the first set of ordinary self-occupied housing, Xing Tao construction area of 90 square meters (inclusive), the loan down payment ratio shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.

3. Housing accumulation fund The second set of personal housing loans is only provided to the paid workers' families whose existing per capita housing construction area is lower than the local average level, and the purpose of the loans is limited to the purchase of ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period.

4. Stop issuing housing provident fund personal housing loans to paid workers' families who buy third and above houses.

5, urban housing provident fund management committee to according to the local housing prices, per capita housing construction area and housing provident fund business development, in order to support the paid workers to buy ordinary self-occupied housing loan demand as the principle, reasonably determine the maximum amount of housing provident fund personal housing loans, and report to the provincial housing and urban construction, finance, the people's Bank of China, banking regulatory authorities for the record. The maximum amount of individual housing loans for housing accumulation funds of municipalities directly under the Central Government and Xinjiang Production and Construction Corps shall be reported to the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission for the record.

6 city housing provident fund management center and the entrusted bank shall take effective measures to strengthen the investigation, examination, mortgage, issuance and recovery of individual housing loans of housing provident fund, effectively strengthen loan risk management, and ensure the safety of funds. The housing provident fund management center shall, jointly with the relevant competent departments, promptly establish an information sharing mechanism to prevent fraudulent housing provident fund personal housing loans and other acts. At the same time, it is necessary to simplify the procedures and improve the service level.

What are the conditions for 20 17 provident fund loan?

What are the conditions for 20 17 provident fund loan?

1. Deposit time: the applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time meet the requirements of full and normal deposit of the provident fund in a certain period of time. Some regions require 6 months (inclusive), and some regions require 12 months (inclusive), which will vary from place to place.

2. Lender's age: the sum of the lender's age and the loan period is less than 70 years old.

3. The applicant has full capacity for civil conduct, has the ability to repay the principal and interest of the loan, and has a good credit status;

4. The applicant has paid the down payment for the house purchase as required;

5. The applicant provides a guarantee that meets the requirements of these Provisions;

6. The applicant and the applicant meet the requirements of national, provincial and municipal real estate market management policies;

7. Meet other conditions stipulated by the provident fund management committee.

What are the procedures for handling provident fund loans?

1. The borrower shall submit a written application to the municipal housing provident fund management center, fill in the housing provident fund loan application form and provide relevant information truthfully.

2, the city housing provident fund management center is responsible for the borrower's qualification, guarantor's qualification, loan amount and loan period to review and complete the contract, the borrower and the center signed the relevant contract or agreement, and according to the provisions of the people's Bank of China for insurance.

3. After the loan formalities are completed, the municipal housing provident fund management center will issue a loan approval notice to the bank, and the bank will handle the loan after receiving the loan notice and transfer the loan to the designated account opened by the developer in the bank.

(The above answers were published on 2017-01-16. Please refer to the actual situation for the current purchase policy. )

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Provident fund loan conditions 20 17

To apply for individual housing provident fund loans in China Bank, the basic conditions are as follows:

1. The applicant and those who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time in this city for six months before the month of application, and the application is in a normal state;

2. The applicant and * * * have no provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city;

3. The sum of the applicant's age when applying for a loan and the loan term shall not exceed 70 years;

4. The applicant and those who participate in the calculation of the loanable amount of provident fund loans have the ability to repay the loan principal and interest, and their credit status is good;

5. The applicant has paid the down payment for the house purchase as required;

6. The applicant agrees to provide a guarantee that meets the requirements of these Provisions;

7. The loan application meets the requirements of national, provincial and municipal real estate market management policies;

8. Meet other conditions stipulated by the provident fund management committee.

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

New policy of provident fund loan 20 17

If the provident fund is used for the first time and the construction area of Xing Tao is less than 90 square meters (inclusive), the minimum down payment ratio of the loan is 20% of the total house price. If the building area is over 90 square meters, the minimum down payment shall be over 30%.

To apply for provident fund loans, the following basic conditions shall be met:

Having full capacity for civil conduct;

Proof of provident fund deposit (or housing provident fund card);

Identity cards, household registration books and proof of marital status of the applicant and spouse;

If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly payment of the housing provident fund has reached the minimum monthly payment announced by the CMC;

Workers can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing;

When employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;

It has stable economic income, good personal credit and the ability to repay the principal and interest of loans.

What is the interest rate of 20 17 provident fund loan?

Individual housing provident fund deposit: the annual interest rate of individual housing provident fund deposit year is 0.35%, and the annual interest rate of individual housing provident fund deposit year is 2.35%.

Personal provident fund loan: the interest rate of personal provident fund loan for less than five years (including five years) is 3.75%. The interest rate of personal provident fund loans for more than five years is 4.25%.

Extended data:

The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.

1. The calculation formula of provident fund loan based on repayment ability is: loan amount = [(total monthly salary of the borrower or husband and wife, monthly deposit of housing provident fund in the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of existing loans of the borrower or husband and wife ]× 12 (month )× loan period. Total monthly salary = monthly contribution of provident fund/(unit contribution ratio and individual contribution ratio);

2. The calculation formula of provident fund loan based on house price is: loan amount = house price × loan ratio. Among them, the loan proportion is determined according to different types. Generally speaking, if the building area is more than 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchase price.

3. According to the maximum loan amount, if I use the housing provident fund to apply for a loan provident fund loan and meet the application conditions, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan and the loan application conditions are met, the maximum loan amount is 700,000 yuan.

4. The calculation formula of the provident fund loan based on the balance of the provident fund account is: the amount of the provident fund loan = the borrower and the borrower's provident fund account balance ×20.