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The maximum loan amount of Taiyuan provident fund is: (1) The maximum loan amount for the borrower to pay the housing provident fund normally is 300,000 yuan. (2) The maximum loan amount for both borrowers and spouses to normally pay housing provident fund is 500,000 yuan. 3. Workers' families used provident fund loans to buy houses for the first time, with an area of less than 90 square meters (inclusive). If they can claim the first housing certificate issued by the management department, and only the borrower meets the conditions for provident fund loans, and the loan amount is less than 300,000 yuan according to the above provisions, it can be calculated as 300,000 yuan. Both husband and wife are eligible for provident fund loans. If the loan amount is less than 500,000 yuan according to the above provisions, it can be calculated as 500,000 yuan.
Second, Taiyuan 202 1 provident fund policy?
New Policy of Taiyuan Provident Fund Loan 202 1
The new policy of Taiyuan provident fund loan stipulates that during the loan period, when the guarantor cannot perform the guarantee responsibility or needs to change the guarantee agreed in the original mortgage loan contract due to the impairment or loss of the mortgaged property, the borrower may apply to the loan department that originally issued the individual housing provident fund loan.
If the borrower applies for changing the guarantee method, providing or adding new collateral, it shall evaluate the new collateral as required, and the loan balance shall not account for more than 70% of the value of the new collateral, and the remaining service life of the new collateral shall be longer than the remaining loan period. The items used for mortgage are limited to the real estate with real estate registration certificate or property ownership certificate in Taiyuan. The owner is not limited to the borrower himself.
This policy will be implemented on June 165438+ 10/day, 2020, with a validity period of 5 years.
Taiyuan provident fund loan conditions
Apply for housing provident fund personal loans to meet the following conditions:
1. The borrower is the depositor who legally paid the housing provident fund, and paid the housing provident fund in full every month more than 6 months (including 6 months) before the loan application date.
2. Neither the borrower nor his spouse has any housing provident fund loan debt.
3, with the approval of the center to buy, build, rebuild, overhaul occupied housing and repay loans from commercial banks occupied housing consumption vouchers.
4. The borrower must have a stable income and the ability to repay the principal and interest of the loan on time, and the monthly repayment amount shall not exceed 60% of the family income provided by him, and the family income can be supplemented by adding auxiliary repayment persons.
5. Be able to provide loan guarantee approved by the center.
6. The borrower's reputation is relatively good.
Taiyuan provident fund loan amount
If both husband and wife of the borrower normally deposit the housing provident fund and meet the requirements of other loan quotas, the maximum loan quota shall be approved according to no more than 800,000 yuan, and if only one single employee or husband and wife normally deposit the housing provident fund, the maximum loan quota shall be approved according to no more than 500,000 yuan; At the same time, the maximum loan amount is linked to the borrower's deposit period. The maximum loan amount of housing provident fund shall not exceed the borrower's deposit period of 654.38 million yuan. The term of deposit is calculated as monthly deposit/65,438+02. If the maximum loan amount calculated as term of deposit is less than 300,000 yuan, it is calculated as 300,000 yuan.
If you apply for individual housing loans by purchasing the same set of housing after withdrawing the balance of your spouse's housing provident fund account, you should subtract the corresponding withdrawal amount from the loan application amount.
Third, Shanxi second-home provident fund loan policy
At present, Shanxi's provident fund loan policy has not changed, that is, the housing provident fund loan interest rate is 1. 1 times the first loan interest rate in the same period. The down payment ratio of housing provident fund loans shall not be less than 60%, that is, the loan amount shall not exceed 40% of the purchase price.
Personal housing provident fund loan is a loan issued by policy-based housing provident fund. When housing provident fund units normally deposit and build self-occupied housing (including second-hand housing), they use their own property housing as collateral, which is guaranteed by a legal person with guarantee ability, and apply to the fund management center for payment. Loans can be entrusted by the fund management center to banks to develop products and distributed socially. The main target of housing provident fund distribution should be shifted from housing development enterprises to ordinary residents.
What are the advantages and disadvantages of housing provident fund loans to buy a house?
Advantages of provident fund loans:
1, the interest of provident fund loans is much lower than that of commercial loans in the same period.
2. Housing provident fund loans have a wide range of loanable houses, and second-hand houses have fewer restrictions on housing age; The borrower can freely choose the repayment bank, which is not restricted by the developer's bank account.
3. If you repay the loan in advance, you can; After partial repayment, you can choose to shorten the repayment period, reduce the repayment amount and postpone it; You can also choose to use the housing provident fund to repay monthly, and use the housing provident fund to rush the loan in the case of one-time payment.
Disadvantages of provident fund loans:
1. You need to pay a certain number of years of provident fund according to local policies before you can apply.
2. The amount of provident fund loans is limited.
Public housing
1, has a proper occupation and stable ability and willingness to repay the principal and interest of the loan, and has capital.
2. Its registration is legal and valid.
3. Self-raised funds not less than 30% of the total purchase price;
Step 4 agree
5. Agree to handle comprehensive loan insurance;
6. The guarantor (seller) agrees to guarantee until he receives the Property Right Certificate and submits it to the loan bank and provident fund center for safekeeping;
Seven pieces.
Down payment policy for housing provident fund loans
When buying a house for the first time, the down payment ratio shall not be less than 30%, and the maximum loan amount shall not exceed 90 square meters (inclusive). The down payment ratio is not less than 30%, that is, the personal loan amount does not exceed 90 square meters, and the down payment does not exceed 70% of the total purchase price.
The second set of housing loans personal loans are limited to the purchase of ordinary self-occupied housing with improved housing conditions. Housing provident fund loan interest 1 times. The down payment ratio of housing provident fund loans shall not be less than 40% of the purchase price.
If the borrower of more than three sets of housing loans purchases the third set or more, he will not apply for provident fund.
Four, Shanxi provident fund loan policy
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. Analysis on the New Deal of Provident Fund Loan in Shanxi Province in 2022? Below, in order to help you better understand the relevant legal knowledge, I have sorted out the relevant contents, hoping to help you. In June 2022, according to the regulations of Shanxi Provident Fund Center, provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. The latest policy of Shanxi housing accumulation fund 1. Improve the actual use efficiency of housing provident fund, relax withdrawal, increase loans, improve services and strengthen supervision. Solve the problems of inconvenient use of deposit users and low utilization rate of provident fund. Compared with the provinces and cities with active commercial housing market, the balance of provident fund in our province is abundant, which can meet the needs of the majority of paid employees. Second, extraction of immediate family members.
1. The New Deal stipulates that when employees buy, build, renovate or overhaul their own houses (including apartments) or repay their housing loans, they can first withdraw their own, spouse, parents and children (with the consent of the owner) housing provident fund to pay the paid house price (including the purchase cost of basement and storage room and the house decoration cost within RMB 0.000 per square meter/kloc). Then apply for housing provident fund loans as needed. 2. It is stipulated that rural teachers, rural doctors and other paid workers can withdraw their own and their spouses' housing provident fund when building houses in rural areas. Migrant workers are allowed to return once a year. Workers paid in the transformation of cities and industrial and mining shanty towns can withdraw their own and their spouses' housing provident fund to pay for the purchase expenses borne by individuals. 3. In order to solve the repayment pressure of these employees, our province will implement a phased withdrawal policy for the provident fund. Workers and their spouses who have purchased houses but have not used the housing provident fund can go through the procedures for extracting the housing provident fund in stages. The withdrawal amount shall not exceed the current price of the purchased house. 4. Employees who have paid the property certificate issued by the real estate management department of the city where they are located may apply for withdrawing their own and their spouses' housing provident fund to pay the rent annually. The annual rent withdrawal amount is determined according to the local ordinary self-occupied housing rent level. Third, the loan period is relaxed and the amount is increased. The first set of ordinary self-occupied housing is purchased by employees, and the down payment ratio is only 20%. The standard of the borrower's repayment ability is increased from 50% of the total wage income of himself and his spouse to 60% of the total monthly wage income of parents and children. The loan period of housing provident fund has been relaxed from 5 years after retirement to 65 years for borrowers, which has increased the actual loanable amount of provident fund to some extent. The fourth is to cancel the examination and approval of paid-in employees. In order to facilitate the withdrawal of employees, our province requires the municipal provident fund management center to improve the service quality, reduce the examination and approval links and shorten the time limit for loan processing. Cancel loan insurance, notarization, compulsory institutional guarantee and mortgage loan evaluation (including the purchase of new houses, second-hand houses and decoration loans). From 20 18 10 1, the review link of drawing housing provident fund and depositing it in the employee unit will be cancelled. According to the introduction of the Provincial Housing and Construction Department, this year, our province will further relax the conditions for drawing housing provident fund, increase the loan amount, simplify the examination and approval procedures, meet the different consumption needs of paid employees, and effectively improve the housing consumption capacity of urban employees. Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.