Legal analysis: 1. Loan amount and term: 1. Increase the calculation coefficient of loan amount. The calculation coefficient of loan amount is increased from 30% of the deposit base of housing provident fund to 50%. 2. Comprehensive calculation of loan withdrawal. Employees who purchase self-occupied housing and apply for loans to withdraw housing provident fund shall not exceed the total purchase price. Housing provident fund withdrawal should be handled in one lump sum before applying for a loan. 3. Extend the loan term. The loan period is extended to 5 years after the borrower's statutory retirement age. 2. Loans from different places in the province: If employees and their spouses work in Dongying or have registered permanent residence, and pay housing provident fund normally in other cities in the province to buy self-occupied housing in Dongying, they can provide relevant certification materials issued by the housing provident fund center where they paid, and apply for loans in our city. Housing provident fund is normally deposited in the housing provident fund management center of our city. If you work in other cities in the province, you can apply for a loan in our city if you buy a self-occupied house at your work unit. The loan guarantee in different places in the province is implemented according to the loan policy in different places.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
What are the loan conditions of Chengdu provident fund? What are the requirements for provident fund loans?
Policy: Regulations on Housing Provident Fund Management: 1. Original and 6 copies of the second-generation ID card or military officer's card. Two, the original account and six copies (home page and applicant page). Three, the original marriage certificate and six copies (marriage certificate, divorce certificate, single scene statement). 4. 2 originals and 3 copies of the filing form stamped by the developer (3 copies are required for suburban property). Five, two originals and two copies of the purchase contract. 6. Two originals of the annex or supplementary agreement to the house purchase contract and two originals. 7. Original and 3 copies of down payment receipt, POS receipt or cash receipt. 8. Original and photocopy of the borrower's family housing registration record information certificate 1 copy (employees applying for loans in this city can print 2 copies of the inquiry results of family housing registration records at the consultation counter of the urban management department). 9. Provide a set of original notice registration procedures with the new seal of the developer (it shall not be altered). 10. Entrusted deduction (repayment) account: the original and photocopy of the bank savings card or savings passbook selected by the principal borrower. 1 1, proof of income: customers who have not paid the housing provident fund should provide the original and three copies of the proof of income (which can be downloaded from the website of the center); Customers with a monthly income of more than 3,500 yuan are also required to provide the original and 3 copies of the bank 1 year running water or tax payment certificate. 12. proof of deposit: employees who have paid the provident fund in provincial sub-centers and petroleum sub-centers must provide the details of deposit and the original and photocopy of the proof of deposit of housing provident fund (deposit inquiry form) that has been paid regularly in their sub-centers for nearly 6 months, and the status of housing provident fund accounts should be normal. 13. Other relevant materials required by the provident fund management center. Regulations on the administration of housing provident fund
What are the conditions for Chengdu provident fund loan?
1. The loan applicant must meet the following conditions:
(1) Employees with urban permanent residence or valid residence certificates.
(2) At the time of application, the housing provident fund has been continuously and normally deposited in Chengdu Provident Fund Center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment of the purchased house, and there is no balance of provident fund loans.
(three) there is a contract or agreement for the purchase of housing, and the down payment is not less than 30% of the value of the purchased housing.
(4) Having relatively stable professional and economic income, having corresponding loan repayment ability and good personal credit.
(5) The loan applicant agrees to use the purchased real estate and its rights and interests as mortgage guarantee for the loan.
(six) there is no interest relationship between the loan applicant and the seller that may affect the safety of the loan.
(7) Other conditions stipulated by Chengdu Provident Fund Center.
2. The existing housing provident fund loan amount cannot exceed the maximum amount of a single housing provident fund loan determined by the Chengdu Housing Provident Fund Management Committee.
3. The longest loan term shall not exceed 20 years (inclusive).
4. Loan interest rate: The loan interest rate of housing provident fund is subject to the statutory interest rate announced by the People's Bank of China. If the statutory interest rate is adjusted during the loan repayment period, it shall be handled in accordance with the relevant provisions of the People's Bank of China.
Extended data
Housing accumulation fund 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 and their employees.
The definition of housing provident fund includes the following five aspects:
(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:
First, it is cumulative, that is, although the housing provident fund is an integral part of employees' wages, it is not paid in cash, and must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work, terminates the labor relationship with the unit or moves out of the original city can the housing provident fund in his account be withdrawn.
According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees.