Legal analysis: the calculation formula of Maoming provident fund loan amount is: loanable amount = sum of housing provident fund balance applied by the applicant and his spouse × specified multiple. Provident fund loan conditions:
1. Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans, but they have not participated in housing provident fund loans.
2. To participate in the housing provident fund personal housing loan application, you must also meet the following conditions: continuous housing deposit for a full moon before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and it is easy to issue loans.
3. Before one of the spouses applies for loan principal and interest, both spouses can no longer obtain housing. Public housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debt bundled loans, the risk is great, which violates the housing law.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan term of reserve loans must be the same.
Legal basis: Article 15 of the Regulations on the Management of Housing Provident Fund stipulates that if a unit hires employees, it shall go through the deposit registration at the housing provident fund management center within 30 days from the date of employment, and the management center will review the documents and go through the housing transfer procedures at the entrusted bank. Where the unit terminates the labor relationship with the employee, the unit shall go through the formalities of change registration at the housing provident fund management center within 0 days from the date of employment, and go through the formalities of transfer or sealing of the employee's housing provident fund account at the entrusted bank with the audit documents of the housing provident fund management center.
Second, can the off-site provident fund use Maoming loan to buy a house?
Provident funds can be borrowed from different places to buy houses. According to the current provident fund withdrawal policy of this Municipality, eligible employees can withdraw their own provident fund when purchasing their own property houses outside this Municipality. Eligible employees refer to the household registration certificate or work certificate of the city where the house is purchased. When purchasing a foreign house, if the house is purchased in full, I and my spouse's ID card, provident fund card, house purchase contract, real estate license, full payment and household registration certificate or work certificate shall be provided.
Third, Maoming calculates how much provident fund he can borrow.
Legal analysis: the calculation formula of Maoming provident fund loan amount is: loanable amount = the sum of the average monthly balance of housing provident fund account when the applicant and his spouse apply for housing provident fund loan × specified multiple. Conditions of provident fund loan: 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same. Legal basis: Article 15 of the Regulations on the Management of Housing Provident Fund stipulates that if a unit hires employees, it shall go through the deposit registration at the housing provident fund management center within 30 days from the date of employment, and go through the establishment or transfer of employee housing provident fund accounts at the entrusted bank with the audit documents of the housing provident fund management center. Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.
Fourth, how to calculate how much you can borrow from your provident fund?
See how much provident fund you pay every month! The repayment period depends on how much the interest rate of the provident fund will be changed every month! ! It depends on how much you pay each month and how much money you have in your account. If it is not enough, you can borrow less.