1. Employees who have paid the housing provident fund in full for three consecutive months and rented affordable rental housing in Tianjin can apply for withdrawal of the housing provident fund, and the monthly withdrawal amount shall not exceed the rent paid in that month, and the total amount shall not exceed 2,400 yuan.

2. If Tianjin employees apply for individual housing provident fund loans to purchase the first family home, the maximum loan amount is 800,000 yuan. If the fund utilization rate of Tianjin housing provident fund exceeds 90% for three consecutive months, the Tianjin Housing Provident Fund Management Center will report to the office of the Municipal Housing Provident Fund Management Committee and make an announcement to the public, and the maximum amount of the first set of housing loans will be reduced to 600,000 yuan from the next month 1 day; If the utilization rate of housing provident fund funds is less than 85% for three consecutive months, Tianjin Housing Provident Fund Management Center will report to the office of the Municipal Housing Provident Fund Management Committee and make an announcement to the public, and increase the maximum amount of the first set of housing loans to 800,000 yuan from the next month 1 day. The "utilization rate of housing provident fund funds" in this notice refers to the utilization rate of housing provident fund funds at the end of the month.

3. If an employee buys the first set of housing and affordable housing in Tianjin, in addition to the employee himself and his spouse, the parents of the employee and his spouse can also apply for withdrawal of housing provident fund.

Matters needing attention

1, couple loan

If both husband and wife borrow money to buy a house, whether they apply for provident fund loans before or after marriage, as long as one of them has applied for provident fund loans, the central system will have corresponding records. Before the previous loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second house.

2. Second Suite

If the borrower has already used the provident fund loan when purchasing the first suite, he can't apply for the provident fund loan to buy the second house again before the provident fund loan is paid off. Only after paying off the previous housing loan can you use the provident fund loan again, and you can't use the provident fund loan to buy the third and above houses.

3. Amount of provident fund

Don't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in the provident fund account is zero, and the amount of the provident fund loan is zero, which means that he will not apply for a provident fund loan.

4. Advance payment

According to the relevant provisions of provident fund loans, the repayment amount should be in advance after 1 year repayment, and the repayment amount should exceed the repayment amount of 6 months. Therefore, if the loan you apply for is less than one year, don't apply for prepayment, because if you apply, the bank will charge more liquidated damages.

5. Difficulties in repayment

Don't forget to find the bank around you if you have difficulty repaying the loan. When the ability to pay debts declines and it is difficult to repay loans, don't hold on by yourself. You can apply to the bank for an extension of the loan period. After investigation by the bank, the bank will accept your application for extending the loan period. However, according to the regulations, the loan term can only be changed once.

6. Lost contracts

Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the receipt are all important legal documents. As the loan period can be up to 30 years, as a borrower, you should keep the contract and the receipt properly, and read the terms of the contract carefully to understand your rights and obligations. In the process of using personal housing provident fund loans to buy a house, we must pay attention to the above matters to avoid unnecessary troubles caused by negligence and other reasons.

What are the housing loan policies in Tianjin?

Tianjin has a great geographical advantage, adjacent to Beijing, and many people will choose to buy a house here. At present, most of them are in mortgage to buy a house, so what is Tianjin's housing loan policy? Many property buyers are very concerned, and then we will learn about it through the following related content!

If you buy a house for the first time and have no mortgage record, the down payment for applying for a commercial loan shall not be less than 30% of the total house price. The down payment shall not be less than 60% of the total house price if you have a real estate under your name or a previous mortgage record and apply for a commercial loan. In terms of interest rate, the lowest floating rate of the first suite is only 5%, and the lowest floating rate of the second suite is 10%.

As for the identification of the second suite, the scope is also expanding, which not only limits the real estate in the area where the house is purchased, but also includes the real estate in other areas under the name. The loan record also involves all the mortgage records of the applicant. Banks often recognize housing and loans. As long as there is a mortgage record before, whether the property is still in the name or not, buying a house again belongs to the second suite.

Compared with commercial loans, provident fund loans have longer life and lower interest rates. Therefore, migrant workers will choose this kind of loan when buying a house in Tianjin. Moreover, the down payment is often not less than 60% of the total house price, with a maximum of 400,000, but the specific application amount should be within ten times of the account balance.

Foreign workers who want to apply for provident fund loans must meet these conditions: First, they have worked in urban areas for 12 months or more; Second, the property applying for a loan is the only housing. If the two points meet, go to the provident fund management center to apply for withdrawal and go through the relevant procedures.

In addition, most banks have adjusted the mortgage interest rate accordingly, and the interest rate of the first suite has been lowered from 10% to 50% to 20%. But not everyone can enjoy this preferential interest rate, and the relevant conditions must be met. The interest rate is still being adjusted, which means the change of mortgage pressure.

I hope the above answers are helpful to you.

What materials does Tianjin mortgage loan need to withdraw provident fund?

What materials does Tianjin mortgage loan need to withdraw provident fund?

Counter handling requirements

It is suggested that after the first month of loan repayment, you should complete the business of "one-time withdrawal of house purchase", "online withdrawal registration of mortgage loan" and "signing of electronic provident fund" with the following elements:

Identity data

1, ID card of the purchaser and joint card of housing provident fund.

2. If the spouse's housing provident fund is withdrawn, the spouse's ID card, the spouse's housing provident fund joint card and the proof of husband-wife relationship shall also be provided.

Purchase information

Provide the following information according to the nature of the house purchase:

In the purchase of commercial housing in this city, it shall provide the commercial housing price sales contract and the full purchase invoice (full special receipt).

(2) For the purchase of private houses in this city, the property purchase and sale agreement, the certificate of immovable property right (title certificate) after the transfer of the purchased house, and the invoice (special receipt for full payment) for the purchase of the house shall be provided.

Tip: The information needed for purchasing other types of housing or foreign housing can be consulted through self-service inquiry or hotline.

Loan information

Personal housing loan contract, repayment voucher and power of attorney signed by the borrower to allow the management department to inquire about its credit information.

Special reminder

After one-time withdrawal, continue to handle the business of "electronic provident fund signing" and "online withdrawal registration of mortgage loans" at the counter.

After handling the above business at the counter once, with your monthly repayment amount, you can easily handle the mortgage repayment and withdrawal through electronic channels (loans from 16 commercial banks cooperating with the center can be handled online).

skill

You can't withdraw the provident fund before buying a house or when you just pay the down payment.

What are the cooperative banks that withdraw the provident fund from Tianjin mortgage loan?

List of cooperative banks for withdrawing provident fund from mortgage loans in Tianjin

There are 0/6 Tianjin cooperative banks, namely China Construction Bank, China Industrial and Commercial Bank, China Agricultural Bank and China Bank Tianjin Branch. Tianjin Branch of China Merchants Bank, Tianjin Branch of China CITIC Bank, Tianjin Branch of China Bohai Bank, bank of tianjin, Tianjin Branch of Industrial Bank, Tianjin Branch of Bank of Beijing, Tianjin Branch of Shengjing Bank, Tianjin Rural Commercial Bank, Binhai Rural Commercial Bank, Tianjin Branch of Bank of Communications, Tianjin Branch of Shanghai Pudong Development Bank and Tianjin Branch of Postal Savings Bank.

Employees who apply for mortgage loans in the above-mentioned 16 bank can withdraw the provident fund through their mobile phones if they meet the following conditions:

1, has become a contracted user of electronic provident fund;

2. The mortgage repayment and withdrawal registration has been handled and the mortgage networking agreement has been signed;

3. The mortgage loan principal and interest have been repaid but not withdrawn, and there is an extractable amount;

4. Both husband and wife currently have no loans overdue record of provident fund;

5. The mortgage loan has not been settled.

So much for the introduction of Tianjin mortgage.