According to Heilongjiang Daily, starting from July 1, the personal loan amount of provident fund in Harbin, Heilongjiang Province has been increased. For eligible provident fund loan applicants, the maximum amount of a single loan will be raised from 500,000 yuan to 600,000 yuan; For eligible provident fund borrowers and co-borrower, the maximum amount of double loans will be raised from 700,000 yuan to 800,000 yuan.
Increasing the personal loan amount of the provident fund this time will further increase the support of the provident fund for low-and middle-income families to purchase rigid housing and improved housing demand, effectively alleviate the financial pressure on employees to purchase houses, and help the majority of paid employees realize their dream of living in peace.
The data shows that since the beginning of the year, in order to help enterprises and employees overcome the impact of the epidemic, Harbin Housing Provident Fund Management Center has intensively introduced a number of measures to help enterprises and benefit the people. Up to now, the bail-out policy has benefited 2,384 renters, with support funds of 49,506,438+0.7 million yuan; A total of nearly 90 million yuan was released for 126 enterprises, which provided financial guarantee for 6,996 employees to achieve employment.
Earlier, the Harbin Municipal People's Government issued a message on May 23rd, announcing the abolition of the Notice on Further Strengthening the Regulation of the Real Estate Market issued on 20 18.
The notice pointed out that the notice issued on 20 18 has completed the phased control task, and the continued implementation of regional sales restrictions will lead to the failure of some commercial houses purchased by buyers to be listed and traded, which will inhibit the release of demand for improved housing purchases, which is not conducive to the development of Harbin's real estate market, so it will be abolished.
From now on, buyers can complete the registration of real estate ownership and obtain the listing of real estate warrants.
Second, can Harbin housing provident fund loans be loaned? I heard that there is one of the highest.
The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the percentage of provident fund loan to house price, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:
Loan amount calculated according to repayment ability: (total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment of the borrower's existing loan × loan term (month). If the spouse's quota is used, (the total monthly salary of both husband and wife, the monthly contribution of the housing provident fund of both husband and wife's work units) × repayment ability coefficient-the total monthly repayment amount of existing loans of both husband and wife× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
Loan amount calculated according to house price: loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;
According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;
According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. If I use my housing provident fund to apply for a housing provident fund loan, and I pay the supplementary housing provident fund normally when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
3. What is the maximum amount of Harbin provident fund loan?
Individual 500,000 yuan, husband and wife 750,000 yuan provident fund loan conditions:
1. Have legal and valid identity documents;
2. The deposit status is normal, the provident fund has been fully paid for more than 6 months (inclusive) and the credit is good;
3. Have a stable income and the ability to repay loans;
4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;
5. For the purchase of housing, the down payment shall not be less than 30% of the total price of the purchased housing;
6. For building, renovating or overhauling houses, 30% of the total upfront expenses for building, renovating or overhauling houses can be paid;
7. The construction and renovation of houses shall be based on the documents approved by the planning and land management departments;
8 overhaul housing, approved by the planning and management department;
9. Being able to provide effective guarantee recognized by the management center;
10. Other conditions stipulated by relevant laws, regulations and policies.
4. How much can Harbin provident fund loan borrow?
240 thousand, depending on the amount of your provident fund.