Maximum loan amount. If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse deposit the housing provident fund in full for more than 6 months (inclusive) at the same time, the maximum loan amount shall not exceed 750,000 yuan, and the policy of associating the original loan amount with the balance of the provident fund shall be cancelled.
Verify the monthly income of the family. When the income of the borrower and spouse is approved, the total monthly salary is calculated according to the deposit base of the provident fund; If the spouse fails to pay the provident fund, the total monthly salary shall be calculated according to the actual income (bank running water or tax payment certificate that can prove effective income is required).
Term of loan. The loan period is 1-30 years, and the sum of the borrower's age and the loan period applied for shall not exceed his legal retirement age in principle. For employees whose remaining age is less than 10 years, if it is really necessary to extend the loan period, it can be extended to 5 years after statutory retirement upon my application.
The provisions shall be implemented as of August 1 year.
It is understood that the above provisions are limited to employees who apply for provident fund loans in Shaanxi Housing Provident Fund Management Center to improve the utilization rate of provident fund. Xi Housing Provident Fund Management Center still needs to refer to the account balance when approving provident fund loans, and the loan amount is 18 times of the account balance.
However, employees who have paid in the Xi Housing Provident Fund Management Center, Changqing Oilfield Sub-center and Xi Railway Bureau Sub-center, if the account balance is insufficient, can issue certificates of deposit of loans in different places with their ID cards to their respective management institutions, and then apply for provident fund loans at the entrusted banks of Shaanxi Housing Provident Fund Management Center.
(The above answers were published on 20 17-08-04. Please refer to the actual situation for the current purchase policy. )
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