2065438+2005 Dongguan Housing Provident Fund Loan Strategy Necessary for Buying a House
I. Loan conditions
1, deposit status requirements. The provident fund has been paid in full for 6 months in a row and is now paid normally.
2. Credit status requirements. In any of the following circumstances, the applicant and his spouse shall restrict the loan or refuse the loan:
(a) the maximum number of overdue personal loans exceeds 3 (including settled student loans), and loans are not issued.
(2) If individual housing loans (including housing provident fund loans or commercial loans) are overdue for more than 10 times, and have not been settled or settled for less than two years, no loans will be issued.
(three) when employees apply for housing provident fund loans, they conceal or lie about their marital status, immediate family members, purchase behavior, housing quantity, etc. , and will not lend within 5 years from the date of being recognized.
(four) fictitious extraction conditions, or the use of forged information to extract housing provident fund, the loan shall not be allowed within 5 years from the date of occurrence.
(five) the purchase of "double housing" and "multiple housing" to apply for housing provident fund loans must be truthfully stated, and the loans will not be withheld.
3. Requirements for repayment ability. The total monthly loan repayment of the applicant and his spouse shall not be higher than 55% of his family's monthly income, and there is no outstanding housing provident fund loan or other debts that affect the repayment ability of the loan. The monthly income of the applicant's family refers to the sum of the monthly income of the applicant and his spouse, and only the monthly income of the applicant is calculated for singles. The calculation method is as follows:
Family monthly income = applicant monthly income+spouse monthly income;
The applicant's monthly income = the amount of the applicant's housing provident fund deposit in the month of application (including individual and unit contributions, the same below) ÷ (unit contribution ratio+individual contribution ratio);
Monthly income of spouse = amount of spouse's housing provident fund deposit in the month of application ÷ (unit deposit ratio+individual deposit ratio).
4. Other requirements.
(1) Having a legal and valid contract or relevant supporting documents for the purchase, construction, renovation and overhaul of owner-occupied housing, and having paid the down payment in a specified proportion.
(two) to provide mortgage, guarantee and other forms of guarantee in accordance with the provisions of the provident fund center.
Second, the loanable amount and its calculation method
The initial loan amount of the housing provident fund loan is 50,000 yuan. Individual workers pay housing provident fund, the maximum loan amount is 480 thousand yuan; If both husband and wife pay housing provident fund, the maximum loan amount is 700,000 yuan.
2065438+2005 Dongguan Housing Provident Fund Loan Strategy Necessary for Buying a House
Employee personal provident fund loan amount y = personal provident fund account balance B× (deposit time coefficient T+ income adjustment coefficient I)× liquidity adjustment coefficient l.
Namely: Y=B? (T+I)？ l .
(1) Balance of individual provident fund account: apply for the balance of employee's individual provident fund account in the current period;
(2) Deposit time coefficient: the tabulation coefficient corresponding to the normal deposit month is calculated forward from the application time. If there is an interruption, the unpaid months are not counted;
(3) Income adjustment coefficient: the table coefficient corresponding to the current month's deposits (personal deposits+company deposits);
(4) Liquidity adjustment coefficient: it is a loan amount adjustment parameter set according to the different situations of the provident fund's ability to meet the capital needs of employees. These include:
Excess liquidity: the personal loan ratio is less than 60%, and the coefficient is1.2;
Normal liquidity: 60%≤ personal loan ratio ≤80%, with a coefficient of1;
Insufficient liquidity: 80%