The loan amount of housing provident fund is generally determined by the applicant's (and his spouse's) housing provident fund deposit amount, deposit ratio, deposit time, purchase amount, loan period and repayment ability, and the actual loanable amount is subject to the final approved amount of the management office. Most cities have stipulated the maximum amount of a single housing provident fund loan, which generally does not exceed 80% of the total housing price.
Regulations on the administration of housing provident fund
Thirteenth housing provident fund management center shall set up a housing provident fund account 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.
Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid. Units with real difficulties in depositing housing provident fund can reduce the deposit ratio or increase the deposit ratio or pay back the deferred payment after being discussed and approved by the workers' congress or the trade union, and audited by the housing provident fund management center and reported to the housing provident fund management committee for approval.
Article 24 Under any of the following circumstances, employees may withdraw the storage balance in the housing provident fund account: (1) purchasing, building, decorating or overhauling their own houses; 2 retirement; (three) completely lose the ability to work and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (6) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatee can withdraw the storage balance in the employee's housing provident fund account. If there is no legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.
Can Zhongshan commercial housing loan be converted into Zhuhai provident fund loan?
No, Zhongshan commercial housing loan and Zhuhai provident fund loan are different and cannot be converted from each other.
Zhongshan commercial housing loan refers to the housing loan issued to adults and financial institutions for the purchase of commercial housing; Zhuhai provident fund loan refers to a loan issued to a certain range of housing provident fund loan users to pay housing rent or buy housing.
The loan term of Zhuhai Civil Servant Provident Fund.
Conditions for provident fund loans of up to 30 years:
Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans; Those who participate in the housing provident fund system must also meet the following conditions before applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans; One spouse has applied for a housing provident fund loan, and neither spouse can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families; When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of full operation of housing provident fund; The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.
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Materials required for housing provident fund loans:
1. Household registration book of the borrower and his spouse;
2. Resident identity cards of borrowers and their spouses;
3. Proof of the marital status of the borrower;
4. Proof of down payment for house purchase;
5. The credit status report of the borrower and his spouse printed by the bank;
6. Housing sales contracts or agreements that meet the legal requirements.
Housing provident fund handling conditions:
1. Individuals and their units must pay the housing accumulation fund continuously for one year;
2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
Housing accumulation fund handling process:
1. The lender prepares relevant materials, fills in the loan application at the bank and submits the materials;
2 loan banks should confirm and review the information after receiving the application;
3. After approval, the lending bank contacts the lender and signs relevant contracts;
4. When the bank lends money, the lender shall perform the repayment responsibility.
What is the minimum deposit amount of Zhuhai off-site provident fund for housing loan?
What is the upper and lower limit of Zhuhai provident fund loan amount in 2022?
At present, for normal families who have paid the provident fund continuously for more than 6 months in Zhuhai, the amount of provident fund loans for one person is1.5-300,000, and the amount of provident fund loans for two or more people is 250,000-500,000. The loan approval amount of housing provident fund in Zhuhai is a loan amount approved after comprehensive consideration of factors such as employee's contribution to provident fund balance, monthly contribution amount, contribution time, adjustment coefficient, total loan amount, individual repayment ability, family income, purchased house status and so on.
Expansive material
I paid the provident fund in Beijing. I recently went to Zhuhai on business and found Zhuhai very suitable for living. If I want to buy a house in Zhuhai, can I use Beijing's provident fund loan?
Answer: Zhuhai accepts off-site provident fund loans. According to the relevant laws and regulations of Zhuhai, the borrower must pay the housing provident fund continuously for more than 6 months (including off-site deposit) and reach the minimum deposit amount stipulated by the relevant laws and regulations of Zhuhai before applying for the provident fund loan. But at the same time, it must comply with Zhuhai's purchase restriction regulations, and borrowers and co-borrower families should not exceed two sets of provident fund loans or two sets of housing purchases nationwide.
Zhuhai implemented the policy of "one person buying a house and helping the whole family" and adjusted the housing accumulation fund in more than 50 cities.
Another city in Hu Tianxiang adjusts housing accumulation fund policy.
A few days ago, Zhuhai issued the "Work Plan for Giving Full Play to the" Industry First "Role of Housing Provident Fund Support Services", proposing that the policy of "one person buying a house to help the whole family" will be implemented.
In this regard, some media and netizens said that Zhuhai was the first city to introduce policies to support "six wallets to buy a house".
Specifically, an employee who can withdraw 90% of the account balance of Zhuhai Provident Fund can help his immediate family members (spouse, parents and children) pay the down payment, or he can withdraw the provident fund monthly according to the repayment of the loan to help his immediate family members (spouse, parents and children) repay the housing loan.
"As long as you are an immediate family member, you can apply to withdraw the other party's provident fund to help you pay the down payment or repay the mortgage." A person in charge of a mortgage institution in Zhuhai told the Times Weekly reporter, but because the policy has just come out, many details have not really been put into operation.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, told Times Weekly that the implementation of "one person buying a house and helping the whole family" in Zhuhai is an innovation in the provident fund loan policy. This policy further shows that the orientation of local provident fund policies to support enterprises and employees will be more clear. This is also a new support measure besides increasing the loan amount and ensuring the purchase and rental of houses.
More than 50 cities have adjusted their housing provident fund policies.
According to the statistics of Ke Rui Research Center, 57 provinces and cities have made 63 adjustments to the housing provident fund policy this year.
From the main direction of policy adjustment, it can be roughly divided into five categories: increasing the amount of provident fund loans, canceling the time limit for applying for loans again, relaxing the construction period of provident fund loans to buy houses, reducing the down payment ratio for buying second homes, and increasing the amount of secured loans.
In terms of increasing the amount of provident fund loans, Zhuhai raised the upper limit of approval for single-paid employee loans from 300,000 yuan to 500,000 yuan, and the upper limit of approval for double-paid employees to apply for loans from 500,000 yuan to 800,000 yuan; The upper limit of personal provident fund loans in Suzhou has been raised from 450,000 yuan to 600,000 yuan, and the family has been raised from 700,000 yuan to 900,000 yuan; The maximum amount of individuals in Zhongshan City is raised to 500,000 yuan, and the maximum amount of two or more people is raised to 900,000 yuan.
In terms of reducing the down payment ratio for buying a second home, Guangxi Beihai paid employees to buy a second home or apply for a second housing provident fund loan, and the minimum down payment ratio was reduced from 60% to 40%; If Fuzhou applies for a pure housing provident fund loan for the first time to purchase a house with a property area of less than 90 square meters, the down payment ratio will be adjusted to 20%. For the second application for pure housing provident fund loans to buy a house, the down payment ratio will be reduced to 30%.
In terms of relaxing the construction period of housing purchased by provident fund loans, Qingdao has made it clear that if employees purchase second-hand houses and apply for individual housing provident fund loans, the sum of loan period and housing age will be adjusted from no more than 30 years to no more than 50 years. Cancel the stipulation that the age of the house is linked to the down payment ratio, and no longer increase the down payment ratio step by step according to the age of the house; The loan period of Lishui housing provident fund is adjusted from "no more than 20 years" to "no more than 30 years".
Song Hongwei, the research director of Tongce Research Institute, pointed out that the provident fund policy is actually a special preferential low-interest loan for house purchase, which belongs to the bonus subsidy policy for house purchase. If you can use provident fund loans to buy a house, it will save a lot of money than commercial loans. Therefore, after the loosening of the provident fund policy, it will have a certain impact on restoring the confidence and enthusiasm of buyers.
100 Many cities have issued policies to stabilize the real estate market.
Since the beginning of this year, 138 cities have issued policies to stabilize the property market, including reducing down payment, increasing the amount of provident fund loans, giving housing subsidies, and canceling purchase restrictions.
Judging from the contents covered by the regulatory policies, more than half of the cities mainly focus on credit easing.
According to the data of Ke Rui, since March, banks in more than 0/00 cities across the country have independently lowered the mortgage interest rate according to market changes and their own operating conditions, with an average range of 20 to 60 basis points.
In terms of optimizing purchase restriction, Langfang abolished relevant government regulatory documents at the end of April and cancelled the purchase restriction policy; Suzhou has reduced the social security requirements for non-registered families to buy houses, from paying social security for two consecutive years in three years to paying social security for two years; Shenyang relaxed the threshold for non-local families to buy houses and cancelled relevant social security certificates; Zhengzhou, Lanzhou, Jiujiang and other cities allow parents and other relatives to take refuge in a new suite; Cities such as Lanzhou and Wuxi allow families with two or three children to buy another suite in the restricted purchase area.
Some cities also release housing demand by issuing housing subsidies.
According to the statistics of China Index Academy, since the beginning of this year, more than 30 cities have issued policies to grant housing subsidies. Subsidies mainly involve one-time subsidies, one-time or installment payment of deed tax subsidies, issuance of consumer vouchers, talent room ticket incentives, and a certain proportion of housing purchase funds. Subsidies include migrant workers, new citizens, talents and families with many children.
For example, Yulin subsidizes new citizens to buy houses, and purchases the first set of newly-built commercial housing of 90 square meters or less, each with a subsidy of 6,000 yuan; Purchase the first set of newly-built commercial housing with an area of more than 90 square meters, with a subsidy of 1 10,000 yuan per set; Changshu, Suzhou subsidizes talents in a fixed proportion, new commercial houses are subsidized by 1% of the house price (excluding value-added tax), and stock houses are subsidized by 1% of the online filing price of house purchase. Mianyang will give a subsidy of 200 yuan per square meter for families with two or three children to buy new commercial housing according to the construction area, and the maximum financial subsidy for a single family will not exceed 20,000 yuan.
Ke Rui pointed out that with the increasing number of policies to stabilize real estate, the real estate market is expected to gradually recover, but urban differentiation is intensifying. It is expected that the markets of first-and second-tier cities will stabilize in the third quarter, with Guangzhou, Shenzhen, Suzhou and Wu Hanyou expected to bottom out in the third quarter and Kunming, Tianjin, Nanning and Changchun expected to improve in the fourth quarter. Third-and fourth-tier cities have a long adjustment cycle. Only when the markets of first-and second-tier cities are stable can third-and fourth-tier cities be stable.
Zhuhai: Employees can withdraw provident fund to help their children and other immediate family members pay down payment or repay loans.
On June 3rd, according to the disclosure of the Housing Provident Fund Management Center of Zhuhai City, Guangdong Province, Zhuhai City recently issued the Work Plan of Giving Full Play to the "Industry First" Role of Housing Provident Fund Support Services.
Specifically, 90% of the employee's account balance paid in Zhuhai helps his immediate family members (spouse, parents and children) pay the down payment, and he can also withdraw the provident fund every month according to the repayment of the loan to help his immediate family members (spouse, parents and children) repay the housing loan.
According to the "Program", the same provident fund loans and withdrawal policies are implemented for paid employees to purchase affordable housing in Zhuhai and commercial housing in Zhuhai. The provident fund loan policy for employees from other places to purchase houses in Zhuhai is the same as that for employees in Zhuhai.
In addition, the "Proposal" clarifies that before the end of 2022, if an enterprise encounters operational difficulties and applies for deferred payment, its employees' normal withdrawal of provident fund and application for provident fund loans will not be affected, and employees' abnormal repayment of provident fund loans will not be overdue.
This is the end of the introduction of Zhuhai provident fund loan and the interest rate of Zhuhai provident fund loan in 2023. I wonder if you have found the information you need?