As different housing provident fund management centers have different policies and requirements for individual housing provident fund loans, please consult the local China Bank business outlets or provident fund management centers for details.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
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How to inquire about the progress of provident fund loans
Method 1: Call the bank directly \x0d\ that is, call the loan salesman directly to ask. This method is the most accurate, direct and fast. Basically suitable for all loans; \x0d\ Method 2. Call the customer service center of the lending institution \x0d\ to find out the loan progress. This requires lending institutions to have customer service centers, like banks, but some lending institutions often do not have special customer service centers; \x0d\ Method 3. Online inquiry \x0d\ For institutions that have opened online progress inquiry, they can directly inquire about the loan progress online. For example, CCB's mortgage can directly check the progress online.
How to inquire about the personal provident fund loan amount?
There are four main ways to query your own provident fund loan amount: 1, which is calculated according to the balance of individual housing provident fund account. The loan amount of price-limited commercial housing or affordable housing and the first set of self-owned housing (if the account balance is less than 20,000 yuan, it shall be calculated as 20,000 yuan) shall not be higher than the balance of the provident fund account. Take out a loan to buy a second house. Buy public housing. In the rural collective land construction, renovation, overhaul of their own housing, the loan amount shall not be higher than the balance of the provident fund account 10 times. 2. Calculated by the price of the house itself, it generally needs to be calculated by multiplying the house price by the loan. The loan amount for commodity housing, price-limited commodity housing, targeted placement of affordable nuclear housing, targeted sales of affordable housing or private housing shall not exceed 80% of the house price. The second set of self-owned housing, public existing housing, and self-owned housing that meets the purchase conditions for new construction, renovation and overhaul on rural collective land cannot exceed 70%. At the same time, the targeted placement of affordable housing shall not be higher than the difference between the total price of purchased housing and housing compensation. 3. For the loan applicant, the specific calculation formula is: the total monthly salary of the borrower+the monthly deposit of the housing accumulation fund of the borrower) ×40%- the total monthly repayment of the borrower's existing loan ]× the loan period (month). If both husband and wife borrow the same loan, the specific calculation formula is: (total monthly salary of both husband and wife+monthly contribution of housing provident fund of both husband and wife's work units) ×40%- total monthly repayment of existing loans of both husband and wife ]× loan period (month), total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio). 4. The loan amount is calculated according to the high loan limit. If I use my housing provident fund to apply for housing provident fund loans, there are relevant regulations on high loan ceiling all over the country. Only Que can check the housing accumulation fund in official website.
How to inquire about provident fund loan records?
1. Field investigation
The borrower directly goes to the loan issuing bank with the ID card to inquire and print the repayment details.
2. Website query
Website query needs to log in to the website of the housing provident fund fund management center of the central state organs. After entering the home page, click "Personal Loan Inquiry".
3. WeChat official account inquiry
Borrowers can follow the "Housing Fund Management Center of Central State Organs" on WeChat, bind the loan account, and check the repayment status according to the prompt requirements.
Provident fund Xinzheng convenience
1. The upper limit of the proportion of monthly repayment amount to monthly income is controlled at 50% ~ 60%.
20 15 in districts and cities where the utilization rate of housing provident fund funds is less than 85% at the end of August, it is necessary to comprehensively consider the local housing price level, loan demand and borrower's repayment ability, and increase the actual amount of housing provident fund personal housing loans. On the premise of ensuring the borrower's basic living expenses, the upper limit of the proportion of monthly repayment amount to monthly income is controlled at 50% ~ 60%.
2. Extension of repayment period
The loan repayment period can be extended to 5 years after the statutory retirement age of the borrower, and the longest loan period is 30 years. Monthly transfer of housing provident fund to repay loan principal and interest.
3. Allow paid employees to apply for loans from the housing provident fund management institutions in the same city.
Urban housing provident fund management centers and sub-centers in the same district shall unify the housing provident fund withdrawal and loan policies and make overall use of loan funds. Housing provident fund management center or sub-center loan funds are insufficient, allowing paid workers to apply for loans to the housing provident fund management institutions in the same city. Conditional cities should actively promote the securitization of housing provident fund personal housing loan assets and revitalize housing provident fund loan assets.
4. Simplify the loan process in different places
Deposited employees who purchase houses outside the deposit place may apply for personal housing loans to the housing provident fund management center in the place where they purchase houses in accordance with the housing provident fund personal housing loan policy. The housing provident fund management center of the place of deposit and the place of purchase shall cooperate with each other, issue and confirm the deposit certificate and other materials in time, and handle the loan procedures. At the same time, if the paid employees apply for housing provident fund personal housing loans and agree to calculate their monthly income according to the monthly payment of their housing provident fund, the unit does not need to issue a certificate of employee income. When paying the employee's rented commercial housing to apply for withdrawal of housing provident fund, there is no need to provide other supporting materials except the identity certificate and the proof that the employee and spouse have no housing.
Deposited employees who purchase houses outside the deposit place may apply for personal housing loans to the housing provident fund management center in the place where they purchase houses in accordance with the housing provident fund personal housing loan policy.