What is the new policy of Shanghai provident fund loan? I have sorted out the relevant contents below, hoping to help everyone.
The new policy of Shanghai provident fund loan is as follows:
First, strengthen the housing provident fund differential credit policy review
(1) If there is no record of housing and provident fund loans in this city under the name of the employee's family, it is recognized as the first set of housing; No housing, provident fund loan records or an existing housing, and the purchase of a second set of improved housing meets the conditions for identification, all of which are considered as applying for a second set of improved housing loans.
(two) to stop issuing loans to loan applicants who meet the following conditions:
1. Workers' families who have paid provident fund loans twice.
2, the purchase of a second set of non improved housing paid workers' families.
Two. Adjust the second set of improved housing loan policy
If it is recognized as the first set of housing, the differentiated credit policy of provident fund will remain unchanged.
If it is recognized as the second set of improved housing, the interest rate of the provident fund loan will be adjusted to 1. 1 times the interest rate of the first set of housing loans in the same period; The maximum amount of family loans is adjusted to 800,000 yuan (the maximum amount of personal loans is adjusted to 400,000 yuan), and the supplementary provident fund is adjusted to 6,543,800 yuan (the individual is adjusted to 500,000 yuan); The down payment ratio of provident fund loans, ordinary housing shall not be less than 50%; Non-ordinary housing shall not be less than 70%.
3. Adjust and calculate the repayment ability ratio and storage balance multiple of provident fund loans. The proportion of the monthly repayment amount of the city's provident fund loans to the monthly salary base is adjusted to no more than 40%; The storage balance multiple for calculating the loan amount of provident fund is adjusted to 30 times, and the storage balance multiple for supplementary provident fund is adjusted to 10 times.
Four. Strict down payment funds authenticity audit and credit review. The municipal provident fund center shall require the trustee to continue to strictly examine the authenticity of the down payment funds, and further strengthen the examination of the borrower's family credit status and repayment ability. For borrowers with bad credit records, loans should be strictly examined and approved. The borrower who has not paid off the provident fund loan shall not handle any other provident fund withdrawal business except repayment.
Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.