Wuxi provident fund loan amount in 2022:
1. If the borrower meets the loan conditions, the maximum loan amount will be adjusted to 500,000 yuan; If both the borrower and the spouse meet the loan conditions, the maximum loan amount will be adjusted to 800,000 yuan;
2. If a registered family with two children in this city applies for provident fund loan for the first time to purchase the first set of self-occupied housing, the loan amount may not be linked to the borrower's provident fund deposit period and deposit balance. If the borrower meets the loan conditions, the maximum loan amount will be adjusted to 600,000 yuan; If both the borrower and the spouse meet the loan conditions, the maximum loan amount shall be adjusted.
Provident fund loan process:
1, application. The borrower shall submit a written application for housing provident fund loan to the housing provident fund management center, and truthfully fill in personal identification, income of the applicant and spouse, seal of the applicant and spouse and other relevant information.
2. First instance. The housing provident fund management center conducts a preliminary examination of the applicant's materials, including the applicant's qualifications, loan amount, term, etc. After passing the preliminary examination, it will be notified by the management center;
3. evaluation. After the assessment notice, take this structure and evaluate the value of the house to be purchased. If it is affordable housing, it does not need to be evaluated;
4. review. The applicant holds the appraisal report and preliminary examination materials issued by the appraisal institution to the provident fund management center for payment review. If it passes the examination, the management center will issue the Notice of Investigation on the Entrusted Loan Guaranteed by the Housing Provident Fund Management Center.
Legal basis: Article 5 of the Regulations on the Administration of Housing Provident Fund.
Housing provident fund should be used for employees to buy, build, renovate and overhaul occupied housing, any single
Article 26
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. Make a decision on granting or not granting the loan within 15 days from the date of withdrawal of the housing provident fund, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. Housing provident fund management center undertakes.
2. How to calculate the maximum amount of the latest provident fund loan in Wuxi?
The maximum amount of provident fund loans is 500,000 for individuals and 700,000 for husband and wife.
The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
The calculation method is as follows:
1. According to the repayment ability calculation formula, {(total monthly salary of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower }× loan period (month), {(total monthly salary of husband and wife )× repayment ability coefficient-total monthly repayment amount of the husband and wife }× loan period (month), where the repayment ability coefficient is 40% and the total monthly salary =
2. According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;
According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it shall be the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;
3. According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 700,000 yuan.
3. How much can Wuxi Provident Fund borrow after half a year?
Can't get the loan.
(1) If the employee has paid the housing provident fund in full and on time for less than 24 months, the loan amount shall be calculated as 5 times of the deposit balance;
(2) If the employee has paid the housing provident fund in full and on time for a total of 24 months but less than 36 months, the loan amount shall be calculated as 7 times of the deposit balance;
(3) If the employee has paid the housing provident fund in full and on time for 36 months, the loan amount shall be calculated as 10 times of the deposit balance.
If the spouses of the loan applicants meet the conditions for provident fund loans and jointly apply for loans, the loan amount shall be the sum of the provident fund deposit balances of the loan applicants and their spouses multiplied by the corresponding multiples of their respective provident fund deposit years.
If the spouse of the loan applicant who meets the conditions of provident fund loan is an active serviceman, the loan amount will be relaxed to twice the loan amount of the aforementioned loan applicant.
Four. Wuxi provident fund loan amount in 2022
Loan amount of Wuxi provident fund in 2022: 1. If the borrower meets the loan conditions, the maximum loan amount will be adjusted to 500,000 yuan; If both the borrower and the spouse meet the loan conditions, the maximum loan amount will be adjusted to 800,000 yuan; 2. If a registered family with two children in this city applies for provident fund loan for the first time to purchase the first set of self-occupied housing, the loan amount may not be linked to the borrower's provident fund deposit period and deposit balance. If the borrower meets the loan conditions, the maximum loan amount will be adjusted to 600,000 yuan; If both the borrower and the spouse meet the loan conditions, the maximum loan amount will be adjusted to 6,543,800 yuan. Provident fund loan process: 1, application. The borrower shall submit a written application for housing provident fund loan to the housing provident fund management center, and truthfully fill in the housing provident fund loan application form and related materials, such as: personal identity card, borrower's marriage certificate, income certificate of the applicant and spouse, original legal purchase contract, stamp of the applicant and spouse, etc. 2. First instance. The housing provident fund management center conducts a preliminary examination of the applicant's materials, including the applicant's qualifications, loan amount, term, etc. After passing the preliminary examination, the management center issued the Notice of Collateral Review and Evaluation; 3. evaluation. After receiving the notice of mortgage review and evaluation, the applicant will take the notice to the designated evaluation institution to evaluate the value of the house to be purchased. If it is affordable housing, there is no need to evaluate it; 4. review. After the applicant gets the appraisal report issued by the appraisal institution, he will go to the provident fund management center for examination and payment with the appraisal report and preliminary examination materials. If it passes the examination, the management center will issue the Notice of Investigation on the Entrusted Loan Guaranteed by the Housing Provident Fund Management Center. Legal basis: Regulations on the Management of Housing Provident Fund Article 5 The housing provident fund shall be used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes. 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.