The detailed rules for the implementation of personal loans clearly stipulate that the maximum amount of provident fund loans stipulated by Nanning Housing Provident Fund Management Committee is: the maximum amount of first-home provident fund loans is 700,000 yuan, and the maximum amount of second-home provident fund loans is 600,000 yuan.
If the first home provident fund loan policy is implemented, the down payment ratio shall not be less than 20% of the house value, that is, the loan amount shall not be higher than 80% of the house value. If the second-home provident fund loan policy is implemented, the down payment ratio shall not be less than 30% of the house value, that is, the loan amount shall not be higher than 70% of the house value.
Provident fund loans support paid-in workers' families to buy the first set of self-occupied housing or the second set of self-occupied housing with improved living conditions, and do not support the purchase of the third and above self-occupied housing.
Workers in Guangxi Beibu Gulf Economic Zone (Beihai, Qinzhou, Fangchenggang, Yulin, Chongzuo) whose household registration is in Nanning, Beihai, Qinzhou, Fangchenggang, Yulin, Chongzuo can apply for provident fund loans from Nanning Provident Fund Center to purchase self-occupied housing within the administrative area of Nanning.
The Detailed Rules for the Implementation of Personal Loans clearly stipulates that the formula for calculating the loan amount stipulated by Nanning Housing Provident Fund Management Committee is as follows: loan amount = borrower's provident fund deposit balance × deposit balance multiple × deposit time coefficient × risk prevention and control coefficient.
Two or more loan applicants independently calculate their loan amount in the above formula before merger and addition.
The balance of provident fund deposit refers to the balance of the borrower's personal account when applying for a loan at Nanning Provident Fund Center. If the borrower's spouse normally deposits the provident fund in this city or other places, the loan amount can be calculated according to the personal account balance. The multiple of deposit balance is 10.
The deposit time coefficient is determined according to the borrower's continuous normal deposit time: when the continuous normal deposit time is between 6 months and 23 months, the deposit time coefficient is 0.8; When the continuous normal deposit time is between 24 months and 35 months, the deposit time coefficient is1; When the continuous normal deposit time is between 36 months and 59 months, the deposit time coefficient is1.2; When the continuous normal deposit time is 60 months or more, the deposit time coefficient is 1.5.
The risk prevention and control coefficient is determined according to the fund utilization rate of Nanning Provident Fund Center at the time of loan application (referring to the ratio of the loan balance of Nanning Provident Fund Center to the balance of provident fund deposits): when the fund utilization rate does not exceed 85%, the risk prevention and control coefficient is1; When the capital utilization rate exceeds 85% but not more than 90%, the risk prevention and control coefficient is 0.9; When the capital utilization rate exceeds 90% but does not exceed 95%, the risk prevention and control coefficient is 0.8; When the capital utilization rate exceeds 95%, the risk prevention and control coefficient is 0.7. The utilization rate of funds shall be subject to the annual report of the previous year published by Nanning Provident Fund Center to the public.
For example, when applying for a loan, the employee's account balance is 30,000 yuan, the deposit balance multiple is 10, the deposit period is 3 years, that is, 36 months, and the corresponding deposit time coefficient is 1.2. At present, the risk prevention and control coefficient of Nanning Provident Fund Center is 1, so the maximum loan amount that the employee can apply for is 360,000 yuan. If the employee is married, his/her spouse has also paid the housing provident fund, with an account balance of 20,000 yuan, a deposit balance multiple of 10, a deposit period of 60 months, a corresponding deposit time coefficient of 1.5, and the maximum loan amount that the spouse can apply for is 300,000 yuan. When the loan amount calculated by two people adds up, the family can apply for a loan amount of up to 660,000 yuan. In addition, after calculating the loanable amount of each housing provident fund loan according to the above formula, it is necessary to comprehensively evaluate the actual situation of the borrower according to the housing value, down payment ratio, repayment ability coefficient and credit status, and determine the lowest value (rounded to the integer multiple of 1 000 yuan).
The minimum loan period of provident fund is 1 year, and the longest is 30 years. Calculated as a whole year, the loan maturity date shall not exceed the statutory retirement time of the borrower. If the loan applicant has continuously paid the housing provident fund in full for more than 5 years, the loan period can be extended to 1 year to 5 years after the statutory retirement age.
According to the interpretation of Nanning Housing Provident Fund Management Center, compared with the current provident fund loan policy, the main change of individual loan implementation rules is the cancellation of the minimum monthly repayment amount. Under the previous loan policy, the minimum monthly repayment amount of each loan was limited. The higher the borrower's income, the greater the monthly repayment amount, the shorter the corresponding loan period and the greater the repayment pressure. The restriction on the minimum monthly repayment amount is cancelled in the loan implementation rules, which is beneficial for loan applicants to choose the appropriate loan term according to their own income and reduce the repayment pressure.
Relax the limit on the number of years of re-trading housing and commercial loans, and apply for re-trading self-occupied housing loans or commercial loans. The age of the purchased house cannot exceed 30 years. The age of the self-occupied house shall be based on the completion time of the permanent quality responsibility sign at the completion of the project or the registration time shown in the original file of the house issued by the real estate management department. Under the condition of meeting other loan application conditions, if a family owns two houses and uses commercial loans at the same time, it can arbitrarily choose one of the housing applicants to turn to public loans, regardless of the purchase order.
Some post-loan changes have been improved. During the repayment period, with the application of the borrower and the approval of Nanning Provident Fund Center, some contents agreed in the original housing provident fund loan contract or guarantee contract can be changed and supplemented, including changes in repayment account, repayment method, loan term, mortgagor, guarantor and contact information.
Through the guarantee provided by the third party, after the (pre-) mortgage is settled, the provident fund loan can be issued.