1. What is the amount of provident fund loan?
1. Apply for provident fund loan for the first time to buy a first-hand house. The maximum loan ratio is 80% of the total house price, 50% of the monthly deposit amount of unilateral employee provident fund is below 800 yuan (including unit subsidy, the same below), and 80% of the monthly deposit amount of unilateral employee provident fund is above 800 yuan (inclusive);
2. If it is not the first time to apply for provident fund loans, the maximum loan ratio is 70% of the total house price (but the maximum loan ratio is still 80% of the total house price when buying a first-hand house below 90 square meters), and the monthly contribution of the provident fund for unilateral employees below 800 yuan is 50%;
3. 70% of the monthly deposit of the unilateral employee in 800 yuan (inclusive) (but the maximum loan ratio is still 80% of the total house price when purchasing a first-hand house below 90 square meters). The housing accumulation fund paid by enterprises and institutions does not belong to the nature of total wages, but belongs to the cost of enterprises. According to the Notice of State Taxation Administration of The People's Republic of China on Deduction of Enterprise Wages and Salaries and Employee Welfare Expenses (Guoshuihan No.2003), the "total wages and salaries" mentioned in Articles 40, 41 and 42 of the Regulations for the Implementation of People's Republic of China (PRC) Enterprise Income Tax Law refers to the total wages and salaries actually paid by enterprises according to Article 1 of Document No.3 of Guoshuihan [2009], excluding enterprises.
Second, the housing provident fund loan process
1. First, the borrower submits the application materials related to the provident fund loan to the trustee bank.
2. The bank accepts and examines the materials submitted by the borrower.
3. The borrower goes to the guarantee company to handle the guarantee formalities and receives the guarantee commitment letter issued by it.
4. The borrower signs a loan contract with the bank with the letter of guarantee commitment.
5. The borrower shall go to the notary office for notarization with the loan contract.
6, after the approval of the provident fund center, notify the entrusted bank to issue loans.
Legal basis:
Regulations on the administration of housing provident fund
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.
Twenty-sixth 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.
Twenty-seventh applicants for housing provident fund loans shall provide guarantees.