1. What is the maximum loan amount of Hangzhou Provident Fund in 221?
3. If the employee's housing provident fund loan amount is insufficient, he can apply for a housing provident fund portfolio loan. The term, guarantee method and repayment method of the commercial loan in the portfolio loan should be consistent with the provident fund loan.
4. The loanable amount of employee housing provident fund is calculated by 15 times the average monthly balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result is rounded to thousands. If the calculation result is higher than 5, yuan, it will be determined by 5, yuan, and if it is lower than 15, yuan, it will be determined by 15, yuan. The average monthly balance of employees' housing provident fund accounts is the average monthly balance of employees' housing provident fund accounts in the past 12 months (excluding the month of application) (excluding the one-time payment in the past 12 months), and less than 12 months are calculated according to the actual number of months.
second, what is the maximum loan amount of Hangzhou provident fund loan
legal analysis: if the employee meets the loan application conditions, the maximum loan amount is 5, yuan. Employees and their spouses are eligible for loans, and the maximum loan limit for each household is 8, yuan. (1) Employees who have continuously paid the housing provident fund for one year, and the monthly payment since October 1, 218 is 132 yuan (twice the minimum monthly wage of 131 yuan in Hangzhou in 218) and above, can apply for housing provident fund loans as required. (II) The specific loanable amount is comprehensively determined according to factors such as employee's monthly deposit, house price, down payment ratio and personal credit status. According to the average wage standard of employees in urban units in Hangzhou published by Hangzhou Municipal Bureau of Statistics (56,417 yuan), the corresponding monthly deposit standard of the loanable amount limit is: 1. If the monthly deposit of employees is lower than the average wage standard of employees in urban units in Hangzhou, 47 yuan (56,417 yuan /125%), the maximum loanable amount is 15, yuan; 2. If the employee's monthly contribution is higher than that of 47 yuan (inclusive) and lower than 1,128 yuan (twice the average wage standard of 56,417 yuan/1,212%), the maximum loanable amount is 3, yuan; 3. If the employee's monthly deposit amount is higher than 1,128 yuan (inclusive), the maximum loanable amount is 5, yuan; Legal basis: Article 26 of the Regulations of the People's Republic of China on the Administration of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant loans, and notify the applicant; If the 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. Derivative question: how to withdraw the provident fund? In any of the following circumstances, employees can withdraw the employee housing provident fund and withdraw the provident fund to withdraw the storage balance in the provident fund account: (1) purchasing, building, renovating, renting or overhauling their own houses; Flowchart of provident fund withdrawal (2) Retired; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Leaving the country for settlement; (five) to repay the principal and interest of the house loan; (six) the rent exceeds the prescribed proportion of family wage income; (seven) the termination of labor relations with the unit, and the account moved out of the city; (eight) the termination of labor relations between employees and units who are not registered in this Municipality, and they are not employed in this Municipality and leave this Municipality; (nine) workers enjoy the urban minimum living guarantee; (ten) part of the employees lose their ability to work and cause serious difficulties in life; (eleven) the employee, his spouse, parents and children suffered from special diseases stipulated by the labor and social security department of Fujian Province (refer to the "departmental documents" column of the website of the Provident Fund Center), which caused serious difficulties in family life.
III. What is the maximum loan amount of Hangzhou Provident Fund loan
Legal analysis:
If the employee meets the loan application conditions, the maximum loan amount is 5, yuan. Employees and their spouses meet the maximum loan limit of 8, yuan. (If the accumulated fund is over one year, and the monthly payment is 132 yuan (twice the minimum monthly wage of 131 yuan in Hangzhou in 218) and above since October 1, 218, you can apply for housing provident fund loans as required. (2) The average wage standard of employees in urban units in Hangzhou (56,417 yuan) published by the Comprehensive Bureau for factors such as deposit amount, house price, down payment ratio and personal credit status, and the corresponding monthly deposit amount of the loanable amount limit is lower than twice that of 56,417 yuan /125% of urban units in Hangzhou, 47 yuan), and the maximum loanable amount is 15, yuan; 2. If the monthly deposit of employees is higher than that of 47 yuan (inclusive) and lower than 1,128 yuan, which is twice the average wage standard of employees in urban units in Hangzhou (56,417 yuan/1,212%), and the maximum monthly deposit of loanable employees is higher than 1,128 yuan (inclusive), the maximum loanable amount is 5, yuan;
Legal basis:
When employees who have paid housing provident fund in the People's Republic of China purchase, build, renovate or overhaul their own houses, the Center will make a decision to approve or disapprove the loan within 15 days from the date of accepting the application for housing provident fund loan, and notify the applicant; If the loan is granted, the entrusted bank shall go through the loan formalities. Housing provident fund loan management center undertakes.
derivative problems
how to withdraw the provident fund? In any of the following circumstances, employees can withdraw the employee housing provident fund and withdraw the provident fund to withdraw the storage balance in the provident fund account: (1) purchasing, building, renovating, renting or overhauling their own houses; Flowchart of provident fund withdrawal (2) Retired; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) principal and interest; (six) the rent exceeds the prescribed proportion of family wage income; (seven) the termination of labor relations with the unit, and the account moved out of the city; (eight) the termination of labor relations between employees and units who are not registered in this Municipality, and they are not employed in this Municipality and leave this Municipality; (nine) workers enjoy the minimum working ability in cities and towns, and cause serious difficulties in life; (11) The employee suffers from a special illness stipulated by the labor and social security department of Fujian Province (refer to the "departmental documents" column of the website of the Provident Fund Center), which causes serious difficulties in family life.
iv. What is the maximum amount of commercial loans for personal provident fund loans in Hangzhou
Term and amount of loans? The total amount of personal housing portfolio loans shall not exceed 7% of the purchase price, and the insufficient housing provident fund loans shall be made up by commercial housing loans. The term of individual housing portfolio loan shall be determined according to the individual loan situation, and the longest term shall not exceed 2 years. At present, the loanable amount of housing provident fund loans is calculated as 35 times of the amount paid by employees in the first 12 months when they apply for loans, but the maximum loanable amount of single employees is not more than 18, yuan, and the maximum loanable amount of dual employees is not more than 35, yuan. Iii. loan handling materials and procedures 1. The borrower applies to the undertaking bank, fills in the application form for individual housing portfolio loan as required, and submits the following supporting materials at the same time: (1) a legally valid identity certificate; (2) Proof of the borrower's economic income; (3) Purchase contract; (4) Statement of the borrower's housing provident fund payment provided by the housing provident fund counter; 5] Other supporting documents and materials required by the loan bank. 2. The commercial housing loan is examined and approved by the accepting bank. After the accepting bank reports the housing provident fund loan to Xiamen Housing Provident Fund Management Center for approval, both borrowers and borrowers sign individual housing portfolio loan contracts and guarantee contracts, and handle real estate mortgage registration and real estate insurance. 3. The borrower must submit the original contract of the purchased house or the certificate of ownership of the land and house to the loan acceptance bank for safekeeping. 4. At present, the individual housing portfolio loan business is temporarily implemented by China Construction Bank, Industrial and Commercial Bank of China, Bank of China and Xiamen Branch of Agricultural Bank, and employees can apply directly to the above-mentioned undertaking banks. 5. The borrower of individual housing portfolio loan shall mortgage the purchased house and handle the mortgage registration with the real estate transaction right registration center of the Municipal Bureau of Land Resources and Real Estate Management. Whether to add a guarantor depends on the specific situation. The borrower of individual housing portfolio loan who mortgages the purchased house must apply for the insurance of mortgaged property in one lump sum before lending, and the insurance period shall not be shorter than the loan period. The borrower shall bear the expenses for mortgage registration, property insurance and guarantee. 4. If employees who meet the loan conditions choose to be guaranteed by Xiamen Housing Property Guarantee Company, they can directly submit the above materials to the company to apply for a loan. V. Differences between housing provident fund loans and commercial housing loans 1. The biggest difference is that the interest rate of housing provident fund loans is obviously lower than that of commercial loans: (1) The annual interest rate of housing provident fund loans: 3.6% for less than 5 years (including 5 years) and 4.5% for more than 5 years; ⑵ Annual interest rate of commercial housing loans: 4.77% for less than 5 years (including 5 years) and 5.4% for more than 5 years. 2. Compared with commercial housing loans, applying for housing provident fund loans only increases the statement of housing provident fund payment in the materials submitted, and only increases the approval time in the municipal housing provident fund management center in the handling procedures, and the rest are the same as commercial housing loans.