The loanable amount of both husband and wife participating in the loan is calculated by adding the loanable amount of employees and their spouses, and the total amount of a single housing provident fund loan does not exceed 6,543,800 yuan; The total amount of loans for families with many children jointly participated by husband and wife shall not exceed 6.5438+0.2 million yuan.
Loan application conditions
1. Timely, continuous and full payment of housing provident fund for more than 6 months (inclusive), and unpaid for more than 3 consecutive months;
2. The purchased housing is the first set of housing or the second set of improved housing for families (couples) (the number of identified houses does not include self-built housing in rural areas); The determination of housing units, economic income and personal credit conforms to the relevant provisions of interest-bearing loans for commercial personal housing loans of banks.
3. The loan applicant and the applicant have good personal credit information, full capacity for civil conduct and the ability to repay the loan principal and interest.
4. Purchase commercial housing within 0/2 months from the date of filing and registration; If you buy a second-hand house, it shall be within 6 months from the date of transfer specified in the certificate of immovable property rights.
5. The cumulative number of times for families to handle housing provident fund, individual housing loans and housing provident fund discount loans shall not exceed 1 time.
Application materials required for flexible employees to apply for housing provident fund account opening registration:
1, my ID card, household registration book or household registration certificate;
2. If you are not registered in this city, provide a residence permit;
3. Personal credit report issued by China People's Bank;
4, the management center "flexible employment registration application form".
If the procedures are complete, the business acceptance personnel shall make a decision on whether to approve or disapprove the registration on the spot. If it is necessary to check the information, it shall make a decision on approval or disapproval of registration within 3 days from the date of accepting the application, and notify the applicant.
Legal basis:
Chongqing provident fund loan policy 2022
I. Loan amount
(1) Loan amount
Housing provident fund Personal housing loan The personal loan amount is 25 times of the balance of the housing provident fund account, with a maximum amount of 500,000 yuan for individuals and 600,000 yuan for families with many children.
The loanable amount of both husband and wife participating in the loan is calculated by adding the loanable amount of employees and their spouses, and the total amount of a single housing provident fund loan does not exceed 6,543,800 yuan; The total amount of loans for families with many children jointly participated by husband and wife shall not exceed 6.5438+0.2 million yuan.
(2) Percentage of loans
If the employee's family deposits the employee to purchase the first set of housing, the maximum loan ratio of the housing provident fund personal housing loan is 80% of the value of the purchased housing;
If the employee's family pays the employee to buy a second house, the maximum loan ratio of the housing provident fund personal housing loan is 70% of the value of the house purchased, and the maximum loan ratio of the employee's family with many children is 75% of the value of the house purchased.