Outline:
First, the provident fund loan amount
1, loan amount of Beijing provident fund
2, other cities provident fund loan amount
Second, the conditions for applying for a loan
1, loan applicant qualification
2. Loan application materials
Third, the loan process.
1, apply for a loan
2. Review loans
3. Loans
Conclusion: Generally, the maximum amount of Beijing provident fund loan is three times the maximum monthly salary. To apply for a loan, you need to provide relevant information and the qualifications of the loan applicant. The loan process generally includes the steps of applying for a loan, reviewing the loan, and lending.
Beijing provident fund loan amount refers to the maximum amount that you can apply for a loan from Beijing Housing Provident Fund Management Center when buying a house in Beijing. The loan amount of Beijing provident fund is generally three times the maximum monthly salary. For example, the maximum monthly salary is 65,438+00,000 yuan, and the maximum loan amount is 30,000 yuan. However, the amount of provident fund loans in other cities may be different, which needs to be inquired.
To apply for a loan, you need to provide relevant information, including the qualification of the loan applicant, the house purchase contract, the identity certificate of the lender and its spouse, the income certificate, the deposit certificate, the household registration book of the lender and its spouse, the graduation certificate of the lender and its spouse, etc.
The loan process generally includes the steps of applying for a loan, reviewing the loan, and lending. When applying for a loan, you need to provide loan application materials. Upon examination, those who meet the requirements may lend money. After the loan, the lender needs to repay the loan in time according to the loan agreement, so as not to affect the credit status.
To sum up, the loan amount of Beijing provident fund is generally three times the maximum monthly salary. To apply for a loan, you need to provide relevant information and the qualifications of the loan applicant. The loan process generally includes the steps of applying for a loan, reviewing the loan, and lending.
What are the conditions and quotas for Beijing provident fund loans?
1. Beijing provident fund loan conditions Applicants must be qualified to purchase houses in Beijing, and the maximum loan amount is1.20,000.
2. Beijing Provident Fund loan conditions:
1) When applying for a loan, the loan applicant should continuously deposit the housing provident fund for more than half a year (inclusive) and his housing provident fund account is in a normal deposit state;
2) Retirees who have paid housing provident fund before retirement;
3) The loan applicant must be qualified to buy a house in Beijing;
4) If the loan applicant (including the same applicant, the same below) has no housing loan record (including commercial housing loans and housing provident fund personal housing loans) and has no housing in this city, it shall be handled according to the first home loan policy;
5) Anyone who does not belong to the first suite and is approved as the second suite shall be handled according to the second suite loan policy;
6) If two or more houses are approved, no loan will be granted.
3. Loan amount: the annual loan is 6,543,800 yuan. If the deposit period is less than 654.38+ 0, the maximum loan is 6,543,800 yuan+0.2 million yuan. If the loan applicant is married, the loan amount shall be calculated by the long-term paying spouse.
1 Housing accumulation fund has a clear legal definition in China, which refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations (hereinafter referred to as units) and their employees. The "one gold" in the "five insurances and one gold" we often say refers to the housing provident fund, which is also commonly called the provident fund. Unless otherwise specified, the provident fund refers to the housing provident fund.
2. The provident fund is essentially a compulsory savings fund. In order to make more people afford to buy a house, the state deducts some money from everyone's salary every month, and the unit also deposits a sum of money for employees at the same rate. Both the part paid by the individual and the part paid by the unit will be deposited into the employee's personal housing provident fund account, which is the employee's money. When employees need to buy a house (or build, renovate or overhaul a house), they can take it out for use. It can be seen that in order to let everyone live in a house, the country is really heartbroken.
Amount and Conditions of Beijing Provident Fund Loan
When housing provident fund loans become a common thing, how to use housing provident fund loans has become a must-know thing.
Loan terms:
1, the identity is legal and valid;
2. Have full capacity for civil conduct;
3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
4, purchase, construction, renovation, overhaul occupied housing;
5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;
6, in line with the provisions of the client on the deposit conditions of the loan housing provident fund;
7. Provide customer-recognized guarantee;
8. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;
9. Meet other conditions stipulated by the client.
Loan amount:
The loan shall be subject to quota management, and the amount of each loan shall meet the following quota standards:
1, which shall not exceed a certain proportion of the appraised value or the actual purchase price of the house (whichever is lower);
2, shall not exceed the maximum amount of a single loan.
The proportion of items (1) and (2) of the preceding paragraph and the maximum amount of a single loan shall be announced by the client. The specific loan amount is determined according to the borrower's repayment ability and credit rating.
Loan procedure
Loans are approved one by one. Basic loan procedures:
1. The loan applicant applies to the client or the institution designated by the client;
2, the client and its designated institutions to review the loan applicant;
3. Fill in and sign relevant contracts and documents;
4. Issue loans.
The above contents refer to:
Beijing Housing Provident Fund Management Center-Beijing Housing Provident Fund Loan Measures
Conditions and amount of Beijing provident fund loan
1. The applicant must pay the provident fund continuously in Beijing for more than half a year.
2. One of the husband and wife has applied for a Beijing 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 financial support to meet the basic housing needs of workers' families, it is also a kind of financial support for housing security.
3. The use of housing provident fund loans is limited to the purchase, construction, repair and overhaul of owner-occupied housing with ownership, and the purchased housing shall meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Employees who purchase the right to use their houses cannot apply for Beijing provident fund loans.
4. Those who apply for Beijing provident fund loans should have self-raised funds equivalent to 30% or more of the housing purchase price; Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of Beijing provident fund loans.
5. Retired comrades who apply for Beijing provident fund housing loans meet one of the above conditions and meet the application conditions for housing provident fund loans. Loan applicants who purchase policy-oriented housing are not subject to the time limit for the deposit of Beijing housing provident fund. The loan applicant can only apply for a housing provident fund loan if he meets the conditions of establishing a housing provident fund account and being in the state of deposit.