I. Provisions on the amount of provident fund loans in Zhejiang Province
Provisions on the amount of provident fund loans in Zhejiang Province: The maximum amount of provident fund loans in Zhejiang Province is 6,543,800 yuan. Among them, if both husband and wife deposit provident fund loans and apply for loans, the maximum amount is 6,543,800 yuan. Individuals who deposit provident fund and apply for loans have a maximum amount of 500,000 yuan. The specific loanable amount of the applicant will be comprehensively determined according to the deposit of the provident fund and the maximum loanable amount standard stipulated by the center, the condition and price of the house purchased, personal repayment ability and credit status.
2. What is the process of provident fund loan in Zhejiang Province?
I remind you that the process of Zhejiang provident fund loan is:
1. The applicant applies for a loan from the provident fund management institution;
2 provident fund management bureau loan acceptance;
3. Approval of qualified loans;
4. Contract signing;
5. Loan review;
6. Loan issuance.
Three. Policies related to provident fund loans
Policies related to provident fund loans:
1. Employees who have continuously paid the housing provident fund in full for more than 6 months (inclusive) can apply for individual housing loans from the housing provident fund.
2. If the housing provident fund is deposited in different places and the deposit is less than 6 months, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place.
3. Housing provident fund loans are for paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing, and they may not issue housing provident fund personal housing loans to paid employees' families who purchase the third and above houses.
4. All provinces, autonomous regions and municipalities directly under the Central Government should realize mutual recognition and transfer of housing provident fund deposit in different places, and promote the loan business in different places, that is, employees can apply for housing provident fund personal housing loans from the housing provident fund management center in their place of employment with the proof of deposit issued by the housing provident fund management center.
5. Housing provident fund Personal housing loan guarantee is mainly based on the purchased housing mortgage. Cancel housing provident fund, personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee fees.