1. The maximum loan amount of Yangzhou Provident Fund is 500,000 yuan.
1. Both husband and wife of the borrower normally pay the housing provident fund, and the maximum loan amount is adjusted from 350,000 to 500,000;
2. If one person normally pays the housing provident fund, the maximum loan amount will be adjusted from 2 1 000 to 300,000.
Second, Yangzhou housing provident fund loan interest rate
The annual interest rate of loans with a term of less than five years is 4.00%, and the annual interest rate of loans with a term of more than five years is 4.50%.
Three. The content of the new policy has been formally implemented in Yangzhou. Details are as follows:
1, with valid residence status, the employee himself and his unit have paid the housing provident fund in full and on time for more than 6 months, and the balance of the individual housing provident fund account is more than 6 months;
2. It has legal and effective proof materials such as the Commercial Housing Sales Contract (Contract) or the procedures for building, renovating and overhauling houses approved by functional departments;
3. A down payment certificate with the lowest proportion;
4, with a stable economic income and the ability to repay the loan principal and interest on schedule;
5. Provide the guarantee method recognized by the Center;
6. Meet other conditions stipulated by the Center.
Fourth, the loan process.
1. The borrower collects from the center or downloads the Application Form for Employee Housing Provident Fund Loan from Yangzhou Housing Provident Fund website, which is filled in by himself and stamped with the official seal of the unit.
2. Borrowers apply for loans at the center with corresponding supporting materials, which will be accepted by the loan window of the center.
3. The Center conducts qualification identification and credit review for loan applicants, and determines the loan amount, term and other factors.
4. The center shall, within five working days from the date of accepting the application, make a decision on whether to grant or not to grant the loan, and notify the applicant;
5. If the loan is granted, the window staff will inform the applicant to go through the loan-related procedures at the entrusted bank.