I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
Following the Beijing Provident Fund's increase in the loan amount of housing provident fund, yesterday, the National Provident Fund Center also announced that starting from 65438+1 October1,the maximum loan amount will be raised to 1.2 million yuan.
Different from the municipal housing provident fund, the state-run provident fund center manages the housing provident fund of central state organs and central enterprises in Beijing. Provident funds for employees of central state organs and central enterprises, whether paid, withdrawn or loaned, are all state-managed provident funds.
The National Provident Fund Center pointed out in the notice that the maximum loan amount for loan applicants to purchase policy housing or the first self-occupied housing with a building area of less than 90 square meters (inclusive) is adjusted to 6.5438+0.2 million yuan, and the maximum loan amount for non-policy housing or second housing with a building area of more than 90 square meters is still 800,000 yuan.
The amount of state-managed provident fund loans will no longer rise according to personal credit rating in the future. In addition, the guarantee service fee of 1.5‰ provided by the developer or the selling unit and the real estate mortgage guarantee method are cancelled.
Extended data:
Repayment method of housing provident fund loan
According to the loan contract signed by the loan bank and the borrower, the borrower should repay the loan on a monthly basis in the month after the loan is issued. There are two specific ways, which are chosen by the borrower:
1, 1-20 repay the loan principal and interest in cash to the loan bank every month;
2. Entrust the loan bank to withhold and remit. The borrower and the loan bank sign a withholding repayment agreement and apply for a personal repayment savings card. The borrower can deposit the repayment amount for several months at one time, or deposit all the repayment amount in a nearby bank savings office before the 20th of each month, and the bank will directly deduct the loan principal and interest to be repaid from the borrower's savings account.
The borrower can repay all the loan principal and interest in advance, or repay part of the loan principal in advance.
1. Repay all the loan principal and interest in advance, and the lending bank will re-approve the remaining loan principal and interest of the borrower according to the actual days of loan occupation.
2. Repay part of the loan principal and interest in advance, and the loan bank recalculates the borrower's monthly repayment amount or loan term according to the remaining loan principal.
References:
Baidu encyclopedia-provident fund loan amount
References:
Baidu encyclopedia-provident fund loan