202 1 the use of the provident fund in Fuzhou is the same as that in 2020. Commercial housing (first-hand housing and second-hand housing) can, SOHO type can't.

Two, 202 1 Fuzhou provident fund loan amount calculation method and the minimum standard of provident fund.

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. So how is the loan amount of 20 19 Fuzhou provident fund calculated, and what is the minimum standard of Fuzhou provident fund loan? In this article, I will introduce you to the knowledge about the calculation and distribution of the loan amount of Fuzhou Provident Fund.

According to the regulations, when applying for provident fund loans, the loan amount is calculated based on the borrower's current monthly provident fund deposit. The calculation of the loan amount is closely related to the factors such as the deposit of provident fund, the age of employees, family income, personal credit score in Fuzhou, and the number of times the provident fund loan is used.

Loan amount of housing provident fund = balance of housing provident fund account of both husband and wife of the borrower on the loan application date 1.2 Adjustment coefficient α of housing provident fund expected to be paid by both husband and wife of the borrower from the loan application date to the retirement date.

Loose liquidity (loan utilization rate of 2 months in the last quarter)

The maximum and minimum amount of housing provident fund loans:

(1) When the liquidity is loose and normal, the maximum amount of employee family housing provident fund loans will be 800,000 yuan for dual employees and 500,000 yuan for single employees;

(two) when the liquidity is tight, the maximum amount of employee family housing provident fund loans is 600 thousand yuan for dual employees and 400 thousand yuan for single employees;

(3) In order to support the housing needs of low-and middle-income families, regardless of the liquidity of funds, the minimum amount of housing provident fund loans is determined to be 200,000 yuan.

(4) Workers' families who apply for housing provident fund loans for the first time and have no housing under their names are not restricted by the liquidity of housing provident fund funds. The maximum loan amount of housing provident fund is 800,000 yuan for double employees and 500,000 yuan for single employees.

When employees' families apply for housing provident fund loans (excluding matching commercial loans), in addition to calculating the loan amount according to the calculation formula, they must also meet the following conditions: the loan amount of housing provident fund ≤ the maximum loan amount of provident fund; The loan amount of housing provident fund is less than or equal to 70%/60%/50% of the value of collateral; The monthly debt of employees' families is less than or equal to 60% of the monthly income of employees' families.

3. What house can I buy with a provident fund loan?

Can't provident fund loans.

Houses that can apply for provident fund loans:

1. Commercial house (the developer must sign a loan cooperation agreement with the municipal housing provident fund management center);

2 existing housing (that is, the purchase of property rights through housing reform);

3. Second-hand houses (stock houses are listed and traded);

4. Housing without property rights (it must be mortgaged by the ownership of its own or third-party housing);

5 auction house (the auction company shall sign a loan cooperation agreement with the municipal housing provident fund management center).

4. What are the loan conditions for the second-hand housing provident fund in Fuzhou Ailou? Can a second-hand house in Fuzhou be loaned?

Buying a second-hand house with reinforced concrete structure can apply for a provident fund loan.

Conditions of provident fund loan: it must be continuous before applying for provident fund loan.

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