What is the maximum amount of provident fund loans for both husband and wife? Bian Xiao stipulates that the minimum value calculated according to the balance stored in the housing provident fund account, the maximum loan limit and the multiple of the loan ratio is the maximum loanable amount of the borrower.
1, the maximum loanable amount calculated according to the balance of the housing provident fund account.
The calculation formula is: (balance of provident fund account, monthly contribution of provident fund ×2× statutory retirement months) ×2.
2. The loanable amount calculated according to the maximum loan amount
If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan. However, the amount of provident fund loans is related to the borrower's monthly payment and personal credit. Therefore, it is impossible to determine the lender's provident fund loan amount at present. Need to be reminded that the premise of provident fund loans is continuous payment for half a year.
Bian Xiao reminded: According to the Property Law, whether the property purchased by husband and wife is owned by * * * or owned by * * * needs to be reflected in the sales contract and then stated in the property ownership certificate. Therefore, both parties need to be present to sign and confirm. Namely "main loan" and "participating loan"
In the bank's housing loan contract, only one of the husband and wife is generally designated as the "lender", and the other party can be regarded as the "* * * lender". For "* * * and the Lender", it is not only required to be the immediate family members of the Lender (husband and wife, children and parents), but also to be one of the owners of the mortgaged property with the housing loan.
What is the maximum amount of husband and wife provident fund loans?
The maximum amount of husband and wife provident fund loans depends on the actual situation.
According to relevant regulations, the maximum amount of family loans is adjusted from 600,000 yuan to 6,543.8+0,000 yuan. Supplementary provident fund deposit, the maximum amount of personal loans on the basis of 500 thousand yuan increased by 6.5438+0 million yuan, the maximum amount of family loans on the basis of 6.5438+0 million yuan increased by 200 thousand yuan. The purchase of an improved second set of ordinary commodity housing shall be implemented with reference to the purchase of the first set of housing policy. Purchase an improved second set of non-ordinary commodity housing, and the maximum loan amount of provident fund will be adjusted accordingly.
The provident fund loan process is as follows:
1. After the borrower chooses a good house, he shall pay the down payment as required and sign a house purchase agreement;
2. Bring the purchase agreement, ID card, provident fund payment voucher, etc. Apply to the entrusting bank for provident fund loans;
3. Get the provident fund loan application form and fill it out, and then submit it to the entrusting bank together with relevant materials;
4. The bank conducts the audit, and after the audit is passed, it issues a notice of mortgage audit and evaluation to evaluate the value of the purchased house;
5. Bring the housing appraisal report to the local provident fund management center to issue a notice of investigation on the entrusted loan guarantee;
6. Go through the formalities of guarantee or mortgage registration;
7. Entrust the bank to transfer money to the provident fund management center;
8. Entrust the bank to transfer the loan to the account of the house dealer.
Generally, it takes about 1 to 2 months to apply for provident fund loans. If the materials submitted by the loan applicant are complete, the bank will complete the examination and approval within 15 working days, and then apply for the housing provident fund loan at the provident fund center. After being accepted by the provident fund center, it will be approved within 10 working days, and then go back to the bank to go through a series of related procedures such as signing a contract and mortgage registration before lending.
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from 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.
Calculation of the loan amount of husband and wife provident fund
Calculated by repayment ability: loan amount = [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of the unit where husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of existing loans of husband and wife ]× 12 (month )× loan term. Total monthly salary = monthly contribution of provident fund/(proportion of unit contribution and proportion of individual contribution).
2. Calculated by house price: loan amount = house price × loan ratio. The area of the house purchased exceeds square meters, and the maximum loan amount is 70% of the purchase price; The area is less than 90 square meters, and the maximum loan amount is 80% of the purchase price.
3. Calculated according to the maximum loan amount: If Hu Tong applies for a loan with his or her spouse's housing provident fund, the maximum loan amount is 700,000 yuan.
4. Calculated according to the balance of the provident fund account: the loan amount of the provident fund = the balance of the borrower and the borrower's provident fund account ×20.
Second, the provident fund loan process
1. The purchaser shall apply for a loan application form at the housing provident fund management core with the Commodity House Sales Contract or the Loan Contact Sheet, and the applicant shall fill in the Housing Provident Fund Loan Application Form as required according to the prompt.
2. Ask someone to take your ID card or the auxiliary borrower's ID card and prepare the household registration book (if there is no household registration book, a marriage certificate is required). Sometimes you need to go to the Civil Affairs Bureau to issue a marriage certificate or a single certificate. Take the commercial housing sales contract and the completed housing provident fund loan application form to the housing provident fund management core to review the loan amount and calculate the fees to be paid.
3. Materials to be submitted by the applicant: application form for housing provident fund loan, 4 originals and photocopies of commercial housing sales contract, 6 copies of house sales approval, 6 copies of maintenance fund receipt, 3 copies of house payment receipt (receipt amount = total house payment-loan amount), 4 copies of ID card of the purchaser, 0 copies of spouse ID card/kloc-,0 copies of husband and wife household registration book/kloc-,and 2 copies of marriage certificate or single certificate.
4, the applicant in the specified date to the housing provident fund management center agent bank window, and receive a bank receipt.
Husband and wife provident fund loan amount
Legal analysis: the minimum amount of husband and wife provident fund loans is loanable;
1. Calculated according to repayment ability: loan amount (total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient 40%- monthly repayment amount of existing loans of husband and wife ]× 12 (month )× loan period. Total monthly salary, monthly contribution to provident fund/(unit contribution ratio, individual contribution ratio) 2. Calculated by house price: loan amount, house price × loan ratio. The area of the house purchased exceeds square meters, and the maximum loan amount below 90 square meters is 70% of the purchase price, and the maximum loan amount is 80% of the purchase price.
3. According to the maximum loan amount: if you apply for a loan with your spouse's housing provident fund, the maximum loan amount is 700,000 yuan.
4. Calculated by the balance of the provident fund account: the balance of the provident fund account of the lender and borrower of the provident fund loan ×20.
Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank stipulates that commercial banks must require borrowers to provide guarantees, and should strictly examine the repayment ability of guarantors, the ownership and value of collateral and pledge, and the possibility of realizing collateral and pledge.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.