Customs clearance provident fund can be loaned if it meets certain conditions. There are many requirements for loans, such as loan amount, loan term and so on. 1. How to calculate the amount of provident fund loans managed by the state? 1, loan ratio: several houses determine the loan ratio (the first set of maximum loans 1.2 million, and the second set of maximum loans of 800,000); 2. The specific limit needs to be tried by the borrower before the online signing: the conditions for the personal loan specific limit to be tried: (1) The main borrower is present; (2) Provide the ID card of the principal borrower or the ID card of both husband and wife, both of which are originals. Trial calculation of specific personal loan amount: (1) No.8, Houjie, Art Museum, Dongcheng District, Beijing, namely Dongsi Sub-branch of China Construction Bank opposite to Beijing Hospital of Traditional Chinese Medicine (2) Tel: 84014115 (3) Log in to the national provident fund /index.jsp official website, and register an account. The lower of the above two is the final loan amount. Second, how to calculate the loan period of the state-managed provident fund? 1. Calculated according to the age of the borrower: the longest loan period =69- the age of older couples; 2. According to the age of the house: the longest loan period: brick-concrete (mixed): 47- house age; Steel and concrete: the age of 57 rooms; 3. The longest loan period is 25 years. After the above three calculations, the lowest is the final loan term. However, if the per capita monthly income of the loan applicant exceeds 3 times (inclusive) of the average monthly salary of workers in Beijing, the monthly repayment amount shall not be less than 50% of the monthly income in principle, and the loan term shall be shortened accordingly according to the monthly repayment amount. Third, how to withdraw the national provident fund? The first step is to buy a first-hand house, the buyer is the employee himself or the first buyer 1, the purchase contract or loan contract; 2. Purchase invoice Step 2, the buyer is the employee's spouse or the second buyer 1, the purchase contract or loan contract; 2. Purchase invoices; 3. Marriage certificate; 4. Spouse extraction record (the spouse needs to provide unemployment certificate if he has no job, and the employer needs to issue a certificate of unpaid provident fund if he has a job without provident fund). The third step is to buy a second-hand house: the buyer is the employee himself or the first buyer 1, the real estate license; 2. Deed tax invoice. Step 4: The buyer is the employee's spouse or the second buyer, 1, the real estate license; 2. Deed tax invoice; 3. Marriage certificate; 4. Spouse extraction record (the spouse needs to provide unemployment certificate if he has no job, and the employer needs to issue a certificate of unpaid provident fund if he has a job without provident fund). The fifth step is to use and withdraw the state-managed provident fund. Be sure to prepare your own house purchase contract and ID card information in advance, especially make several copies of ID card information. It should be noted that you can call the local department in advance to ask about the items you need to carry. Generally, every place is different.
Legal objectivity:
Regulations on the administration of housing provident fund
Article 26
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.
Regulations on the administration of housing provident fund
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.