There are the following types of provident fund loans in Jiaxing: 1. Newly purchased self-occupied housing in Jiaxing, the loan amount is 70% of the total house price; 2. Buy fully decorated and finely decorated houses in Jiaxing, and the loanable amount is 50% of the total house price; 3. If you buy a second-hand house in Jiaxing, the loan amount is 70% of the total price of the house purchased (the lowest of the sales price and the evaluation price); 4. For the construction, renovation and overhaul of self-occupied housing in Jiaxing city, the higher loan amount is 60% of the cost of housing construction and repair projects; 5. The loanable amount of Jiaxing housing provident fund = (the salary base for the borrower to calculate the monthly deposit of housing provident fund and the salary base for the borrower's spouse to calculate the monthly deposit of housing provident fund) ××× repayment ratio (currently 40%)× loan months.
Two, Jiaxing provident fund loan policy and amount
Jiaxing provident fund loan policy:
First, the applicant must have a certificate of permanent residence in Jiaxing or a valid residence certificate;
Two, have a stable job and income, have enough repayment ability, and can not have a bad credit record in the bank;
Three, the applicant must work in Jiaxing city for more than half a year;
Four, Jiaxing City Housing Provident Fund Management Center stipulates that single individuals apply for provident fund loans.
Jiaxing provident fund loan amount:
First, it is not higher than the maximum loan limit stipulated by the Municipal Provident Fund Management Committee and is more than 600,000 yuan;
Two, the loan limit is not higher than the multiple determined by the loan applicant's housing provident fund account balance.
Three, not higher than the remaining funds after deducting the prescribed proportion of the down payment.
Four, shall not be higher than the total housing price.
The purchase of new commercial housing shall not be higher than 70% of the total housing price and 70% of the taxable amount), and the resettlement house with the age 10 shall not be higher than 70% of the total housing price, the actual purchase price or the maximum loan amount determined by the provident fund management Committee. At present, each household is 200,000. Time of the house used as collateral;
Provident fund loans refer to loans received. According to the national regulations, all employees who have paid the provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, which included relaxing off-site loans, reducing intermediate fees, canceling housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
In August 17, 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that from September 15, the provident fund loan will be cancelled to purchase a second home with a down payment of 20%.
Three, Jiaxing provident fund loan policy and amount
In order to give full play to the mutual assistance and guarantee function of housing provident fund and support the reasonable housing consumption demand of employees, Jiaxing City, after deliberation and approval by the Third Session of the Fourth Session of the Housing Provident Fund Management Committee, adjusted and optimized the use policy of housing provident fund from May 1 day, and increased the maximum amount of housing provident fund loans for first-time home purchases. Come and see what is involved in this adjustment and optimization!
First, employees who normally pay housing provident fund in this city apply for housing provident fund loans for the first time to purchase the first family-occupied housing. The maximum loan amount for a single person rose from 300,000 yuan to 400,000 yuan, and the maximum loan amount for two or more people rose from 600,000 yuan to 800,000 yuan.
Two, the normal deposit of housing provident fund in this city meets the conditions of secured loans, and the maximum single loan amount is increased from 6.5438+0.5 million yuan to 200 thousand yuan.
Third, preferential policies such as floating quota and housing provident fund to support talents to live and improve their quality are not superimposed.
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Unscramble the policy of adjusting the use of housing provident fund
Q: What is the main purpose of adjusting the housing provident fund use policy this time?
In order to carry out the orientation of "the house is for living, not for speculation", give full play to the universal function of housing provident fund, support the reasonable housing consumption demand of paid workers, and increase the support for the housing consumption just needed, according to the Regulations of the State Council on the Administration of Housing Provident Fund and the spirit of the meeting of relevant documents of provinces and cities, the relevant policies on the use of housing provident fund in our city were adjusted and optimized, and were reviewed and approved by the Third Session of the Fourth Municipal Housing Provident Fund Management Committee.
4. What is the maximum loan amount of Jiaxing Provident Fund?
1. The maximum loan limit of Jiaxing Provident Fund is 350,000. If the husband and wife have continuously paid the housing provident fund for one year, the upper limit of the housing provident fund loan amount is 350,000 yuan; If the husband and wife unilaterally or single employees continuously deposit the housing provident fund for 1 year, the upper limit of the housing provident fund loan amount is 250,000 yuan. 2. Jiaxing housing provident fund loan interest rate The annual interest rate for loans below five years is 4.00%, and that for loans above five years is 4.50%.