From 2065438 to 2006, the maximum amount of housing provident fund loans in Dongying City was 500,000 yuan, including 500,000 yuan for dual-employee families and 300,000 yuan for single-employee families. Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for housing provident fund personal housing loans. The minimum down payment ratio is 20% if the paid employees' families use the housing provident fund loan to purchase the first self-occupied housing, and the construction area is within 144 square meters (inclusive); If the building area is above 144 square meters, the minimum down payment ratio is 30%. For the paid workers' families who own 1 apartment and have settled the corresponding housing loans, in order to improve their living conditions, they should apply for housing provident fund loans again to buy self-occupied housing. If the construction area is below 144 square meters (inclusive), the minimum down payment ratio is 30%; If the building area is greater than 144 square meters, the minimum down payment ratio is 40%. If the corresponding commercial housing loan is not settled, the minimum down payment ratio is 40%. The longest loan period of Dongying housing provident fund is 30 years, and the loan period is relaxed to 5 years after the borrower's statutory retirement age.

2.2065 438-2006 What is the loan amount of Dongying provident fund?

From 2065438 to 2006, the maximum amount of housing provident fund loans in Dongying City was 500,000 yuan, including 500,000 yuan for dual-employee families and 300,000 yuan for single-employee families. The employee has paid the housing accumulation fund in full for 6 months (individual housing loan).

The paid workers' families use the housing provident fund loan to purchase the first set of self-occupied housing, and the deposit ratio is 20% when the construction area is 144 square meters; If the building area is above 144 square meters, the minimum down payment ratio is 30%. For employee families who own 1 apartment and have settled the corresponding housing loans, in order to improve their living conditions, the construction area is below 144 square meters, and the minimum down payment construction area is above 144 square meters, and the corresponding commercial housing loans have not been settled.

The longest loan period of Dongying housing provident fund is 30 years, and 5 years after the loan period.

Third, Dongying provident fund loan policy

Dongying Housing Provident Fund Management Center: In order to further play the role of housing provident fund in housing security and promote the stable and healthy development of the city's real estate market, relevant policies are now adjusted as follows: 1. Adjust the loan amount. If an employee's family purchases the first set of self-occupied housing and has no housing provident fund loan record, the loan amount will be adjusted from 300,000 yuan for one person to 400,000 yuan, and 500,000 yuan for two people to 600,000 yuan. Second, adjust the calculation coefficient of the loan amount. The calculation formula of loan amount is adjusted from 65438+ 0.5 times of monthly deposit × remaining working months to 2 times. Third, adjust the amount and method of rent extraction. For the fixed withdrawal of leased commercial housing, the total withdrawal amount of employees and spouses is adjusted from 1.300 yuan/month to 1.500 yuan/month, which can be withdrawn once or more every month during the year. The above policies will be implemented from June 1 day, 2022. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. The definition of housing accumulation fund includes the following five aspects: (1) Housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas. (2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system. (3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit. (4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund. (5) Housing provident fund is a personal housing savings fund for employees' housing consumption expenditure, which has two characteristics: first, it is cumulative, that is, housing provident fund is not an integral part of employees' wages, and it is not distributed in cash, so it must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts. According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees. The housing accumulation fund paid by enterprises and institutions does not belong to the nature of total wages, but belongs to the cost of enterprises. Legal basis: Article 15 of the Regulations on the Management of Housing Provident Fund stipulates that if a unit hires employees, it shall go through the deposit registration at the housing provident fund management center within 30 days from the date of employment, and go through the formalities for the establishment or transfer of employee housing provident fund accounts. Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

Four. What is the loan amount of Dongying provident fund from 2065438 to 2006?

If I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan. If the husband and wife combine housing provident fund loans, the maximum loan amount is 600,000 yuan. The maximum term of provident fund loans is 30 years.

The calculation of the loan amount of housing provident fund shall be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount. The minimum value calculated according to the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:

① Loan amount calculated according to repayment ability

The calculation formula of employee's own loan amount is:

(The total monthly salary of the borrower and the monthly contribution of the housing provident fund of the borrower's unit) ××× repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]×× loan period (month).

The calculation formula for the loan amount of both husband and wife is:

(Total monthly salary of both husband and wife, monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife ]× loan period (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).

② The loan amount calculated according to the house price.

The calculation formula is: loan amount = house price × loan ratio.

A purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing.

Workers' families (including employees, spouses and minor children, the same below) purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing) with a loan amount not exceeding 80% of the purchased housing price. Among them, the housing price of private property housing is the lower value of the total purchase price and the housing evaluation price.

Workers' family loans to buy the second set and other self-owned houses that meet the purchase conditions of our city, and the loan amount shall not exceed 70% of the purchased house price.

The purchase of targeted resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of housing compensation.

B for the purchase of existing public housing, the loan amount shall not exceed 70% of the purchased housing price; In rural collective land construction, renovation, overhaul of their own housing, the loan amount does not exceed 70% of the required costs.

③ The loan amount calculated according to the balance of the housing provident fund account.

A. For the purchase of price-limited commercial housing or affordable housing, the loan amount shall not be higher than 20 times of the balance of the housing provident fund account when the employee applies for provident fund loans (if the spouse housing provident fund is used to apply for provident fund loans at the same time, it shall be the sum of the balance of the employee's and spouse's housing provident fund accounts, the same below). If the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.

B. If the first self-owned house is purchased by loan, the loan amount shall not be higher than 20 times the balance of the housing provident fund account when the employee applies for provident fund loan; if the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.

C the loan amount shall not be higher than 10 times the balance of the housing provident fund account when the employee applies for a loan. If the balance of the housing provident fund account is less than 20,000, it will be calculated as 20,000: the loan is used to purchase a second house; Purchase public housing; Construction, renovation or overhaul of self-owned housing on rural collective land.

(4) The loan amount calculated according to the maximum loan amount.

If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 800,000 yuan.

When applying for a loan, employees or their spouses pay housing subsidies normally on a monthly basis, with reference to the provisions on normal payment of supplementary housing provident fund.

The calculated loan amount is reserved to thousand, and the number below thousand is not zero plus one.