65438+ ten thousand, the maximum amount of common provident fund loan is account balance 10. If it is lower than10,000, it is calculated as10,000, which means that the maximum loan can be10,000, which depends on your payment base, so the maximum loan.
There are also restrictions on the amount of provident fund loans. The general loan amount is determined according to the time we pay and the amount in the provident fund account. The total amount of provident fund loans is generally your monthly deposit multiplied by the total number of months of legal retirement age, plus twice the balance of the provident fund account.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
(1) Housing provident fund is only established in cities and towns, and there is no housing provident fund system in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of housing provident fund together with the unit deposit.
(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must pay it continuously according to the regulations during their employment, and it shall not be suspended or interrupted except for the retirement of employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:
First, it is cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
The second is special. The housing provident fund is earmarked for special purposes and can only be used for purchasing, building, overhauling self-occupied housing or paying rent during storage. Only when employees leave their jobs, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.
According to the regulations of China, all enterprises, whether state-owned or private, should deposit and pay housing provident fund for their employees.
In Shanghai, with both husband and wife's provident fund loans, can only one person's name be written on the property certificate?
The real estate license can only write one person's name. The main lender must apply for a production certificate, and the borrower may not apply for a production certificate.
General procedure
(1) Within one month after the real estate transaction, both the buyer and the seller shall go through the registration formalities for the sale and transfer of ownership at the real estate exchange with certificates such as the house sale contract. When registering, you need to bring your ID card, household registration book, commercial housing sales contract and other documents.
(2) After receiving the transfer notice from the Exchange, the buyer and the seller should bring their ID cards, household registration books, seals, etc. After paying the handling fee, deed tax and stamp duty, you can go through the transfer formalities.
The exchange will issue a real estate sales contract to the buyer. In principle, the real estate license needs to be handled by both buyers and sellers. If the buyer and seller or one of them is unable to handle the formalities of ownership transfer and property right registration for some reason, they may issue a power of attorney to entrust an agent to handle it on their behalf.
(3) After completing the transfer formalities, the buyer shall apply for registration with the municipal or district (county) Housing and Land Administration Bureau where the house is located within three months with the house sales contract issued by the real estate exchange.
The documents and materials needed to handle the application include: the house ownership certificate of the whole building owned by the seller, the commercial house sales contract, the copy of the stub of the commercial house sales invoice, the copy of the ID card, the registration form of house ownership transfer, the wall boundary table and the area calculation table.
(4) After being audited by the real estate management department, the buyer can obtain the title certificate.
Extended data:
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans will be raised from 200,000 yuan to 300,000 yuan from June 1 9 counties in Linyi City, Shandong Province.
20 14 to 10 The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank issued a document, including relaxing the conditions of provident fund loans, promoting loans from different places, reducing intermediate fees, canceling individual housing loan insurance from housing provident fund, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers.
Among them, employees who have paid for 6 consecutive months can apply for provident fund loans (currently 12 months).
17, 1 May 8, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that from September 15,1day, the down payment ratio for canceling the provident fund loan to buy a second house will be 20%.