what is the loan amount of housing provident fund in Shenzhen
The current Shenzhen provident fund policy is that the loanable amount of housing provident fund loans is 14 times of the balance of the applicant's and the applicant's housing provident fund accounts. If the applicant has not withdrawn housing provident fund for more than three consecutive years before applying for housing provident fund loans, the loanable amount of housing provident fund loans calculated according to the multiple of the balance of housing provident fund accounts can be increased by 1%, but other requirements specified in the preceding paragraph should be met. At the same time, it shall meet the following requirements:
1. The monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 5% of the applicant's housing provident fund deposit base. If there are * * * applicants and * * * applicants who deposit the housing provident fund in this city, the deposit base of the housing provident fund shall be the sum of the deposit bases of the applicant and * * * applicants.
2. Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall not be lower than the down payment ratio required by the state. If the purchased house is a stock commodity house (second-hand house), the applicant shall entrust a real estate appraisal agency recognized by the provident fund center to conduct value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.
3. Not higher than the maximum amount of provident fund loans for a single house. For individual employees, the maximum amount of provident fund loan for a single house is 5, yuan, and the maximum amount of provident fund loan for a single house is 9, yuan if the applicant and * * * apply together with the applicant and * * * deposit the housing provident fund in this city.
What materials are needed for the housing provident fund loan
Apply to the housing provident fund management department, and issue the Application Form for Personal Housing Provident Fund Loan in Cengong County in duplicate after passing the preliminary examination; The employee will send the completed Application Form for Personal Loan of Cengong County Housing Provident Fund together with the following materials to the Credit Unit of the County Housing Provident Fund Management Department.
1. Two loan applications (signed by the married spouse);
2. One original and one copy of the house purchase contract or agreement;
3. One original and one copy of the registration and filing form for the pre-sale contract of commercial housing;
4. Two copies of the first payment receipt;
5. Two copies of the applicant's husband and wife's ID card and household registration book;
6. Two original income certificates of the applicant's husband and wife;
7. One original and one copy of the applicant's personal account inquiry form for housing provident fund for both husband and wife (with the official seal of the bank where the account is opened);
8. Applicants who are married should provide two copies of marriage certificate and two copies of divorce certificate respectively; If you are unmarried, you should provide the original and photocopy of the unmarried certificate issued by the street office where your account is located or 2 copies of the unmarried certificate.
If you want to apply for housing provident fund loans in Shenzhen, you can consult the housing provident fund management center in Shenzhen to find out the specific procedures. The above is an introduction about the amount of housing provident fund loans in Shenzhen and what materials are needed for housing provident fund loans. I suggest you pay attention to the specific details when handling provident fund loans.