The loan amount of Changchun provident fund is in Changchun urban area: there are 700,000 borrowers and 500,000 borrowers.

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First, the loan application conditions

1. The borrower and * * * have legal and valid identity documents;

2. The borrower and the borrower have full capacity for civil conduct;

3. The borrower or the borrower has the ability to repay the loan principal and interest;

4. The borrower and * * * the same borrower shall pay the down payment for the house purchase to the property owner who has purchased the owner-occupied house and relevant supporting documents according to the specified proportion;

5. The borrower or the borrower * * * has continuously paid the housing provident fund in full for more than 6 months (inclusive) according to the regulations;

6. The house purchased by the borrower has a real estate license or a house ownership certificate, and the house age is less than 39 years. The seller and the owner have the right to completely dispose of it;

7. The borrower and * * * the same borrower are employees who have paid housing provident fund in other cities (states) in the province, or employees who have paid housing provident fund outside the province and registered in the administrative area of Changchun City, who purchase owner-occupied housing in the administrative area of Changchun City and meet the application conditions of individual housing loan for housing provident fund in Changchun City;

8. The borrower and the borrower have good credit and meet other conditions stipulated by the state and the housing provident fund management committee.

Should provide loan requirements

The following are the core requirements:

1. The original and two copies of the ID cards of the borrower, the borrower, the seller and the owner (copy on A4 paper, the same below);

2. The original and two copies of the household registration book, the first page of the household registration book, the borrower's page, the same borrower's page, the seller's page, and the personal use page (the marital status of the household registration book must be consistent with the actual situation);

3. Marriage certificate between the borrower and the borrower, the seller and the owner of * * * * (marriage certificate, divorce certificate, judgment or civil mediation, 2 originals and copies);

4. Two copies of the repayment card (debit card) entrusted by the borrower;

5. Housing transfer contract, bank fund supervision agreement and down payment receipt between the borrower and the seller;

6. Deed tax payment certificate, value-added tax invoice and real estate registration fee invoice after the house purchased by the borrower is renamed;

7. The original and two copies of the property right certificate or property ownership certificate of the house sold by the seller, and the entrusted bank card (collection account);

8. If the borrower, * * * and the borrower deposit the housing provident fund in different places, provide the certificate of deposit and use of the housing provident fund for employees with loans in different places and the details of the deposit of the housing provident fund;

9. The validity period between the borrower and the borrower is a credit report.

2. How much can Changchun Provident Fund borrow for 10,000 yuan?

The loan amount is 15 times of the balance of the provident fund account, and 1 10,000 yuan can be loaned150,000 yuan.

Three, how to calculate the amount of Changchun housing provident fund loans

Housing is determined.

The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, provident fund loan and maximum loan amount. The calculation method is as follows:

Loan amount calculated according to repayment ability: (total monthly salary of the borrower, monthly housing accumulation fund of the borrower, monthly repayment amount of the borrower's existing loan × loan term (month). Using the formula, the total monthly salary) × repayment ability coefficient-the total monthly repayment amount of the existing loans of both husband and wife × 0% of the loan term, and the total monthly salary = the monthly personal contribution ratio of the provident fund);

Loan amount calculated according to house price: loan percentage. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;

According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount is 10 times of the balance of the housing provident fund account (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it is the sum of the balance of the employee's and spouse's housing provident fund account), and if it is less than 20,000, it is calculated as 20,000;

According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. Use my housing provident fund to apply for housing provident fund loans, and pay normally when applying for loans, with a maximum loan amount of 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, if the housing provident fund is supplemented when applying for loans, the loans will be the most.

4. How to calculate the loan amount of Changchun housing provident fund?

To apply for provident fund loans, the applicant must deposit the provident fund for 12 months continuously, and the deposit status of the provident fund is normal when applying for provident fund loans (loans overdue for more than 1 month will not be accepted).

The maximum loan amount of commercial housing shall not exceed 70% of the total house price, and the maximum loan amount of second-hand housing shall not exceed 60% of the deed tax unit price.

The formula for calculating the personal loan amount of provident fund: (the amount paid in the current month × the total number of months from now to the legal retirement age) × 2;

Legal retirement age: 55 for women; Male 60 years old. The longest loan period is 25 years.

Note (This formula is applicable to the direct calculation of users who purchase first-hand properties. For second-hand real estate, the appraisal price, transaction price and deed tax price of the house should be considered, and the specific loan amount can only be answered after the provident fund center has reviewed the information.

At present, the maximum amount of housing provident fund varies from place to place. Ask where the house was purchased from the housing provident fund center.