Combined loan amount = maximum loan amount of provident fund and commercial loan amount.
The maximum amount of portfolio loans shall not exceed 80% of the real estate value. The specific loan amount shall be determined by the commercial bank, and the loan contract shall be adopted.
Second, Fuzhou provident fund loan amount
The maximum loan amount for dual employees will be adjusted to 6,543,800 yuan, and the maximum loan amount for single employees will be adjusted to 700,000 yuan. This notice shall be implemented as of June 1 day, 2022. If the relevant documents are inconsistent with this notice, this notice shall prevail. Fuzhou Housing Provident Fund Center Fuzhou Railway Sub-center and Fuzhou Housing Provident Fund Center Fujian Energy Group Sub-center can refer to the implementation. To apply for transferring Fuzhou commercial loan to Fuzhou housing provident fund loan, the borrower should meet the following seven conditions at the same time: (1) Meet the application conditions of Fuzhou housing provident fund loan in Fuzhou; The borrower must be the borrower or spouse of the original housing loan (the buyer is required); The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance; The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance; The purchased property has obtained the house ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure; The purchased property can be mortgaged; Did not apply for Fuzhou housing provident fund loan. Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premium in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations. Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations. Twenty-ninth insured medical expenses that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies and medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.
3. What is the loan amount in Fuzhou?
600,000 for one person and 800,000 for two couples. However, because the amount and time of payment of credit and provident fund are different, they will be subject to different restrictions. General loans are under 600,000 or 800,000. If you want to know more, you can go to Zhaobao. Please log in for specific consultation.