Changzhou buyers all know that housing provident fund can be used to buy a house, but what is the specific process of buying a house with housing provident fund? How to calculate the amount of housing provident fund when buying a house? Let me explain it to you carefully. Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. 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 and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself. The types of housing provident fund loans include: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on. (Note: Not all provident fund centers provide the above-mentioned loans, please consult the local housing provident fund management agency first) Compared with commercial housing loans, the characteristic housing provident fund loans have the advantages of lower interest rate, flexible repayment method and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time. Repayment skills Free repayment of provident fund means that when applying for housing provident fund loan to buy a house, the housing provident fund management center will give the minimum repayment amount according to the loan amount and term, and the monthly repayment amount will not remain unchanged in the future, but it can freely arrange the monthly repayment amount according to its own income on the premise that the repayment amount is not lower than the minimum repayment amount. It is worth noting that the free repayment of provident fund not only gives borrowers the greatest autonomy, but also puts forward higher requirements for borrowers in terms of technical means, risk prevention and income realization. The monthly payment is basically decided by the borrower himself, which means that the overall interest payment is also decided by the borrower himself. Generally speaking, when the provident fund loan is repaid, the less prepayment, the more interest is paid; The more you prepay, the less interest you pay. 1. Free repayment means "daily repayment", that is, the loan date is the day of the month and the repayment date is the day of the month. If there is no corresponding repayment date in the current month, the repayment will be made on the last day of the current month. For example: 65438+1October 3 1 loan, with repayment on February 28th. 2. If the borrower accidentally loses the bank card or passbook used for repayment, then the borrower must bring the bank card or passbook of the same bank to the management department applying for the loan in time to handle the change procedures. 3. After the borrower pays off all the loans, he should go to the loan management department to get the proof of paying off all the loans. Processing flow 1. Lenders need to apply to the bank for housing provident fund loans in written form, fill in the application form for housing provident fund loans and truthfully provide the following information: (1) the deposit certificate of the applicant and spouse; (two) the identity certificate of the applicant and his spouse (referring to the resident identity card, household registration book and other valid residence documents), proof of marital status; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; (VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract. (seven) other information required by the provident fund center. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time. 3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results. 4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping. Loan amount Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 400,000 yuan; The maximum amount of individual housing provident fund loans in Guangzhou is 500,000 yuan, and that in Beijing is 800,000 yuan. If the rating is 3A, the maximum loan can reach 800,000 * (1+30%) = 1.04 million; if the rating is 2A, the loan can reach 920,000. Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price; Formula for loan amount of housing provident fund: sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (longest loanable term). If the contribution ratio of both husband and wife is inconsistent, the actual contribution ratio shall be determined according to the higher one. Not higher than the loan limit determined according to the repayment ability of the loan applicant and spouse. When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows: the formula for calculating the loan amount according to the repayment ability is: [(total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). Use of spouse's quota: [(total monthly salary of husband and wife+monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio). The calculation formula of the loan amount calculated by the house price is: loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans: a. Purchase of commercial houses, price-limited commercial houses, targeted placement of affordable housing, targeted sales of affordable housing or private housing. Workers' families (including employees, spouses and minor children, the same below) who purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private property housing) with a construction area of less than 90 square meters (including 90 square meters) shall pay a down payment of not less than 20% of the purchased housing price, and the loan amount shall not be higher than 80% of the purchased housing price; If the construction area of the purchased house exceeds 90 square meters, a down payment of not less than 30% of the purchased house price shall be paid, and the loan amount shall not be higher than 70% of the purchased house price. If an employee buys a second house with a family loan, the down payment shall not be less than 50% of the house price, and the loan amount shall not be higher than 50% of the house price. Workers' family loans to buy third and above houses will suspend the issuance of personal housing provident fund loans. When purchasing private housing, if the housing price is inconsistent with the assessed price, the lower of the two shall be the approved limit. 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; For the construction, renovation and overhaul of self-owned housing, the loan amount shall not exceed 70% of the cost of housing construction and repair. If an employee applies for a housing provident fund loan according to the loan amount calculated by the balance of the housing provident fund account, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, applying for a provident fund loan by using the spouse housing provident fund is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000. If the loan amount calculated according to the maximum loan amount uses my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 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 600,000 yuan. I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, 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. 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.

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Step 1: If you apply for 1 to purchase commercial housing and affordable housing, you should sign a purchase contract with the selling unit, and at the same time, you should go to the selling unit to receive the Approval Form for Housing Provident Fund Loan Application, fill in the form and prepare relevant materials to determine the loan amount; 2, construction, overhaul from the housing, with the approval documents of the land, planning and management departments, to apply for loans to the Changchun Housing Provident Fund Management Center; 3. To buy a private house (second-hand house) with complete property rights, you should apply to Changfang Replacement Guarantee Co., Ltd. Step 2: Review the house selling unit or guarantee company and submit the borrower information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review. Step 3: Sign a loan contract. After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures. Step 4: Ensure 1. The purchase of commercial housing and affordable housing built by the developer who signed the housing provident fund loan cooperation agreement with the center, before the formal mortgage of the house, the developer shall undertake joint and several liability guarantee for the borrower in stages; 2. If you buy a second-hand house with a property right certificate and a land certificate, you can go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities of other house ownership certificates at the property right registration and certification center; 3. If the second-hand house is purchased with a title certificate and no land certificate, the guarantee company shall bear the guarantee responsibility. Step 5: After the borrower of the bank loan completes all the above procedures, the Center will issue a "Decision on Granting Loan" to the entrusting bank to inform the bank to lend money. Step 6: Repay the borrower according to the monthly repayment amount agreed in the loan contract, and make monthly repayment to the bank. The conditions for applying for housing provident fund loans are 1. Lenders must have permanent residence or valid residence status in this city; 2. Push forward from the date of application, and pay the housing provident fund in full for more than 2 months (if both husband and wife pay the provident fund, only one person is allowed to borrow); 3. There are contracts (agreements) and related materials for purchasing houses, building houses and overhauling self-occupied houses according to law; 4. There is a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of houses, the self-raised funds shall not be less than 30% of the total house price); 5. Have a stable economic income and the ability to repay the principal and interest of the loan (monthly income certificate issued by the unit); 6. Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.