The current Measures for the Administration of Individual Housing Provident Fund Loans in Qingdao came into effect on March 20 14, which adjusted the loan quota calculation, deposit standard and loan application qualification quota. Compared with the previous policies, the new regulations implemented last year are more stringent.
In the selection of loan applicants, they are required to establish a provident fund account for 12 months (that is, for 365 days), and the account is in a normal deposit state when applying for a loan, and has been continuously deposited for 12 months in the last 12 months when applying for a loan. The adjusted policy has stricter requirements for borrowers. To apply for a provident fund loan, you need to make a continuous normal deposit 12 months.
In the calculation of loan amount, the loan amount is determined according to the principle of "low", and the loan amount is not higher than the four calculation results and the prescribed minimum determined by Qingdao Housing Provident Fund Management Committee, including repayment ability, multiple of normal deposit balance in provident fund account, prescribed proportion and maximum loan amount. Among them, the repayment ability coefficient has been reduced from 40% to 30%, and the method of personal loan balance multiple and the limit of employee family loan application amount paid by both parties have been increased. Take single home buyers as an example. According to the new policy, the maximum amount of individual housing provident fund loans has been reduced from 600,000 yuan to 360,000 yuan.
(The above answers were published on 20 15-06-27. Please refer to the actual situation for the current purchase policy. )
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