In order to protect the housing, our country's laws stipulate that the payment of provident fund should be made in accordance with the proportion stipulated by the government, and the workers and employers should each contribute part to ensure the interests of workers in buying houses in the future. 1. What is the loan amount of Shanghai Provident Fund? The maximum amount of the family housing provident fund loan is 6,543,800+0,000, and the individual loan is 500,000. If there is supplementary provident fund, the maximum amount of family provident fund will be increased to 6.5438+0.2 million, and the maximum amount of personal loan will be increased to 600,000. If it is a second suite, the maximum loan amount of the family provident fund is 800,000, and the maximum personal loan amount is only 400,000. If there is supplementary provident fund, the maximum amount of family and individual provident fund loans is 6.5438+0 million yuan and 500,000 yuan respectively. Second, can the provident fund be paid by itself? The provident fund can only be paid by the unit, and individuals cannot pay it. However, individuals can pay the provident fund according to law through affiliated companies. Article 13 of the Regulations on the Management of Housing Provident Fund: The housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund. Three. How to borrow provident fund (I) loan conditions The loan applicant must meet the following conditions at the same time: 1. Employees with permanent residence in cities and towns or valid residence certificates; 2. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 consecutive months, and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans; 3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the proportion of the value of the purchased housing; 4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit; 5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor; 6, other conditions stipulated by the provident fund center. (II) Loan Process First-hand housing loan process: the borrower submits personal application materials at the entrusted bank window in the loan service hall-the entrusted bank accepts and examines them-the center approves them-the guarantee company handles the guarantee procedures and issues a guarantee letter of commitment-the borrower signs a loan contract at the bank with the guarantee letter of commitment-and the borrower handles the entrusted notarization procedures. Second-hand housing loan process: the buyer and the seller submit application materials to the entrusted bank window in the loan service hall-entrust the bank to accept, conduct preliminary examination-evaluate the company's inspection and issue an evaluation report-entrust the bank to review-central approval-the borrower signs a loan contract at the bank-the buyer and the seller go through the formalities of property right transfer-and the borrower receives new property rights. (3) Loan materials 1, original and six copies of the second-generation ID card or military officer's card. 2. Original and 6 copies of the household registration book (home page and applicant's home page). 3. The original marriage certificate (marriage certificate, divorce certificate, single statement on the spot) and 6 copies. 4. Two originals (three originals are required for suburban property) and three copies of the filing form stamped by the developer. 5. Two originals and two copies of the house purchase contract. 6. Two originals and two copies of the annex or supplementary agreement to the house purchase contract. 7. Original and 3 copies of down payment receipt and credit card POS or cash receipt. 8. The original and 1 copy of the borrower's family housing registration record information certificate (employees applying for loans in urban areas can print 2 copies of the family housing registration record query results at the consultation counter of the urban management department). 9. Provide a set of original advance notice registration procedures with fresh seal (not allowed to be altered) to the developer. 10, entrusted deduction (repayment) account: the original and 1 copy of the savings card or passbook of the loan handling bank selected by the main borrower. 1 1, proof of income: customers who have not paid the housing provident fund should provide the original proof of income (which can be downloaded from the center website) and three copies; Among them, customers with a monthly income of more than 3,500 need to provide the original and 3 copies of bank running water or tax payment certificate 1 year. 12. proof of deposit: employees who have paid the provident fund in provincial sub-centers and petroleum sub-centers must provide the original deposit details and proof of deposit (deposit inquiry form) and 1 copy of their housing provident fund accounts in the past six months, and the housing provident fund accounts should be in a normal state. 13, other relevant information required by the provident fund management center.
Legal objectivity:
Regulations on the administration of housing provident fund
Article 6
The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.
Regulations on the administration of housing provident fund
Article 26
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant;
Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.