Personal housing provident fund loan: it is a preferential housing provident fund loan used by the housing provident fund management center and entrusted by commercial banks to the depositors of housing provident fund who purchase, build, renovate and overhaul their own houses and raise funds for cooperative housing construction.

Personal housing provident fund portfolio loan: refers to that when the amount of housing provident fund loan is insufficient to pay the house purchase price, the borrower applies for housing provident fund loan, and at the same time applies for commercial personal housing loan from the entrusted bank, and the two loans together form a portfolio loan. Housing provident fund loans in portfolio loans are approved by the management center, and commercial loans are approved by the entrusted banks.

The real estate developer signs a cooperation agreement on commercial housing mortgage loan with the management center and the entrusted bank, and the real estate developer provides the borrower with a phased guarantee and deposits a deposit according to a certain proportion of the total loan. After completing the property right certificate and mortgage registration, the guarantee responsibility is terminated and the purchased house is converted into mortgage guarantee. The borrower applies for a loan from the management center. After approval, the entrusted bank signs a loan contract with the borrower and goes through the formalities of using the loan.

Personal housing provident fund replacement portfolio loan: firstly, the bank issues commercial housing loans to borrowers (employees who have paid housing provident fund) with bank funds, and then the entrusted bank applies for provident fund loans to the management center on behalf of the borrowers. The borrower's provident fund loan amount is controlled within its basic provident fund loan amount and does not exceed 70% of the commercial housing loan amount, and its basic provident fund loan period is shorter than the commercial housing loan period by more than 1 year.

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The loan amount of the provident fund is regulated according to levels, with the highest loan of 800,000 for Grade A, 920,000 for Grade AA and 0/0.04 million for Grade AAA. The longest loan period of the provident fund is 30 years, which is subject to the age of the husband and wife, and the age plus loan period cannot exceed 70, which is also related to the age of the building. The building age plus loan period of brick-concrete structure cannot exceed 47, and the building age plus loan period of steel-concrete structure cannot exceed 57.

The specific loan amount is: First, it must not exceed the individual repayment ability, that is, the sum of the borrower's monthly contribution/the borrower's spouse's provident fund contribution/the borrower's spouse's provident fund contribution ratio ×50%× 12 (month )× the loan period;

The second is to buy the first ordinary self-occupied house, which shall not exceed 70% of the purchased house price (if the building area in Xing Tao is below 90 square meters (inclusive), it shall not exceed 80% of the purchased house price).

Third, borrowers (including spouses) should have the ability to repay the principal and interest of loans, and the average monthly income should not be lower than the minimum living standard for urban and rural residents in this city.

Duration of provident fund loan: The longest term of housing provident fund loan is 30 years. In principle, the sum of the borrower's age and the number of years of applying for loans shall not exceed 5 years after his statutory retirement age, that is, male employees can borrow until 65 years old and female employees can borrow until 60 years old.

Second, can I get a loan without buying a house provident fund?

If you don't buy a house, you can't get a loan. Housing provident fund is a special fund for commercial housing loans and housing management, and cannot be used for loans for other purposes. As the name implies, housing accumulation fund is related to housing, used for house purchase and decoration, and has no direct relationship with housing. You can apply for a commercial loan and then take out the provident fund to repay the commercial loan. If you don't buy a house, you can apply for provident fund in the name of renting a house or building overhaul, serious illness, resignation, retirement, etc. The provident fund is earmarked and can only be used for family purchases. Moreover, it is stipulated that you can't use provident fund loans to buy commercial housing. Extraction of housing consumption categories: purchase of self-owned housing such as commodity housing, private property housing, affordable housing and price-limited commodity housing; Building, renovating or overhauling self-owned houses on rural collective land; Repaying the principal and interest of self-owned housing loans; Employees without housing and loans rent houses. Can I get a loan without buying a house? What about provident fund loans if you don't buy a house? Workers who have established the housing provident fund system for more than one year and paid in normally can apply for housing provident fund loans when buying a house. Generally speaking, provident fund loans are about 1 percentage point lower than commercial bank loans in the same period. If you don't apply for a loan, employees can also use the balance of housing provident fund under the following circumstances. 1, purchase, build, renovate and overhaul owner-occupied housing; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4, transferred from the city or registered permanent residence moved out of Laiwu administrative region and settled abroad; 5. Dead or declared dead; 6. Repay the principal and interest of the house purchase loan; 7. Low family income makes it difficult to pay rent; 8. Enjoy the minimum living guarantee for residents; Poor families with low incomes should pay tuition and miscellaneous fees for their children to go to colleges and universities; 9, due to the dissolution of the unit, bankruptcy or resignation, dismissal and other reasons to terminate the labor relationship with the unit, after unemployment, life is difficult; I, my spouse and their immediate family members have serious difficulties in family life due to major diseases or other emergencies; 10. Rural residents who enter the city or work in various parks have to pay rent, and they have not signed a new contract when the contract expires.

Third, can the provident fund be loaned without buying a house?

Yes, in addition to buying a house, you can also use provident fund loans when building, renovating or overhauling your own house.

According to Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Article 27

Applicants who apply for housing provident fund loans shall provide guarantees.

Article 28

The housing provident fund management center can use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management Committee on the premise of ensuring the withdrawal and loan of the housing provident fund. The housing provident fund management center shall not provide guarantees to others.

Extended data:

According to Article 29 of the Regulations on the Management of Housing Provident Fund

The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used to establish the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.

Article 30

The management fees of the housing provident fund management center shall be compiled by the housing provident fund management center in accordance with the prescribed standards and submitted to the financial department of the people's government at the corresponding level for approval, and shall be turned over to the finance at the corresponding level from the value-added income of the housing provident fund and allocated by the finance at the corresponding level.

The management fee standard of the housing provident fund management center shall be formulated by the construction administrative departments of the people's governments of provinces, autonomous regions and municipalities directly under the Central Government in conjunction with the financial departments at the same level in accordance with the charging standards of institutions slightly higher than those stipulated by the state.

4. Can I get a loan without buying a house?

Yes, housing provident fund can also be used for house decoration. Of course, loans that cannot be used for other purposes are limited to houses.