loan amount of Zhengzhou housing provident fund

On December 4th, official website, Zhengzhou Housing Provident Fund Management Center, sent a message that the loan amount of Zhengzhou housing provident fund will be comprehensively increased in 22 after being reviewed and approved by the 43rd meeting of Zhengzhou Housing Provident Fund Management Committee.

Adjustment of loan amount of Zhengzhou housing provident fund in 22:

According to the New Deal, employees who purchase houses from January 1, 22 can sign contracts for the record according to the new loan amount. That is, if both husband and wife of the borrower meet the conditions for provident fund loans and apply for provident fund loans for the first time for their families, the maximum loan amount will be increased from 6, yuan to 8, yuan. If the borrower unilaterally meets the conditions for provident fund loans or the family applies for provident fund loans for the second time, the maximum loan amount will be increased from 4, yuan to 6, yuan.

Zhengzhou housing provident fund loan amount calculation method:

(1) Check the deposit information of myself and my spouse through the housing provident fund website, 12329 customer service phone or the service hall window, and calculate the total balance of both husband and wife's accounts and the number of years I have paid.

(2) Calculate the loanable amount by using the formula: loan amount = deposit account balance ×(14 years of deposit). If the calculation result is greater than the corresponding maximum loan limit (4, yuan or 6, yuan is selected according to the deposit situation), the maximum loanable amount is 4, yuan or 6, yuan; if the calculation result is less than or equal to the maximum loan limit, the maximum loanable amount is the calculation result.

(3) after the loan amount is determined, select the repayment method and the longest loan period, and use the calculator provided by the housing provident fund website to calculate the monthly loan payment. If the monthly payment is less than 6% of the couple's income, the corresponding loan amount is the final loanable amount, otherwise the loan amount should be appropriately reduced. The income of husband and wife must also be the monthly income approved when the housing provident fund is paid.

What are the conditions for Zhengzhou provident fund loans in different places in 216

Nowadays, all localities can apply for provident fund loans to buy houses, which brings great convenience to property buyers. So, what are the conditions for applying for provident fund loans in Zhengzhou in 216?

1. The applicant must purchase an owner-occupied house in Zhengzhou and be the owner or owner of the house purchased;

2. The applicant must pay the housing provident fund normally and in full for more than six months;

3. The applicant and spouse have no outstanding housing provident fund loans;

4. The applicant shall provide the guarantee procedures approved by Zhengzhou Housing Provident Fund Management Center;

5. Meet other conditions of Zhengzhou housing provident fund loan.

in p>216, the maximum loan amount for applying for provident fund loans in different places in Zhengzhou is 6, yuan, and the loan term is not more than 3 years. In principle, it should not exceed the remaining years from the statutory retirement age. However, for employees whose remaining years are less than 1 years from the statutory retirement age, they can be extended to 5 years after the statutory retirement age upon their own application.

Conditions for purchasing a house with provident fund from other places in Zhengzhou

Legal analysis: The provident fund loan for purchasing a house in Zhengzhou must be paid in full (uninterrupted) in Zhengzhou for six months, and the applicant and spouse have no outstanding housing provident fund loan, so they will not accept the loan from other places.

Zhengzhou provident fund off-site loan processing process:

1. Consultation on obtaining forms. Applicants can go to Zhengzhou Housing Provident Fund business outlets to consult and receive the Certificate of Housing Provident Fund Deposit, or download it through Zhengzhou Housing Provident Fund Network.

2. issue a certificate. Applicants and other employees who need to participate in the calculation of the loan amount hold the Certificate of Housing Provident Fund Deposit to the management center where the provident fund deposit is made.

3. Check the situation. After receiving the relevant information of the applicant, the handling personnel of the housing provident fund management center verify the applicant's deposit of housing provident fund in different places by telephone, fax and online inquiry.

4. Open an account. The applicant and other employees who need to participate in the calculation of the quota shall go through the account opening procedures for the deposit account of employees with off-site loans at the business outlets of Zhengzhou Housing Provident Fund Management Center with the Certificate of Housing Provident Fund Deposit.

5. apply for a loan. Other specific procedures are the same as the normal application procedures for housing provident fund loans.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 9 The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund: (1) Formulate and adjust specific management measures of housing provident fund according to relevant laws, regulations and policies, and supervise the implementation; (two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund; (three) to determine the maximum loan amount of housing provident fund; (four) approval of housing provident fund collection and use plan; (five) to consider the housing provident fund value-added income distribution plan; (six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.

article 1 municipalities directly under the central government, cities where the people's governments of provinces and autonomous regions are located, and other cities divided into districts (prefectures and leagues) shall set up a housing provident fund management center to be responsible for the management and operation of housing provident fund according to the principle of simplification and efficiency. County (city) does not set up housing provident fund management center. The housing provident fund management center specified in the preceding paragraph may set up branches in counties (cities) where conditions permit. The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting. Housing provident fund management center is an independent institution directly under the people's government of the city, which is not for profit.

Henan provident fund loan amount

Legal analysis: First, the maximum loan amount is 6,. If you apply for buying a house in Zhengzhou city for the first time and apply for a loan for the first time, the loan amount will not exceed 6,, and other loans will not exceed 4,. 2. Lending loans according to the specified multiple of the balance of individual provident fund 1. The amount of a single loan should be less than or equal to the product of the deposit balance multiplied by the corresponding multiple; 2. If both husband and wife have paid in the provincial provident fund for more than 6 months, the balance of the deposit account is the sum of the balance of both husband and wife; 3. If the counter withdrawal business is not handled within 6 months before the loan application, if the deposit balance is less than 1, yuan, it will be determined as 1, yuan, and other situations will be determined as the actual balance; 4. If the withdrawal business has been handled at the counter within 6 months before the loan application, it shall be determined according to the actual balance; 5. If the deposit time is less than 1 year, the multiple value is 15, and if the deposit time is more than 1 year, the multiple value will increase by 1 for each year; 6. The balance of the deposit account and the time of deposit shall be determined according to the certificate issued by the relevant department of the deposit place. Three, the monthly repayment amount does not exceed 6% of the family income.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund, employees can withdraw the balance of their housing provident fund accounts under any of the following circumstances:

(1) purchasing, constructing, renovating or overhauling their own houses;

(2) retired;

(3) completely losing the ability to work and terminating the labor relationship with the unit;

(4) leaving 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 heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.

The loan amount of Zhengzhou's provident fund is raised to 8, yuan, and loans can also be applied for from other provinces.

According to the website of Zhengzhou Provident Fund in Henan Province, Zhengzhou will adjust the loan amount of housing provident fund from the original maximum of 6, yuan to 8, yuan.

The contents released by the Provident Fund official website show that the loan amount of the housing provident fund in Zhengzhou was increased from 6, yuan to 8, yuan after deliberation and approval at the 43rd meeting of Zhengzhou Housing Provident Fund Management Committee on December 4, 219. That is, if both husband and wife of the borrower meet the conditions for provident fund loans and apply for provident fund loans for the first time for their families, the maximum loan amount will be increased from 6, yuan to 8, yuan. If the borrower unilaterally meets the conditions for provident fund loans or the family applies for provident fund loans for the second time, the maximum loan amount will be increased from 4, yuan to 6, yuan. This policy will be implemented as of January 1, 22, and from now on, employees who purchase houses can sign contracts for the record according to the new loan amount. The increase of the loan amount will effectively alleviate the pressure of loan funds for house buyers.

Previously, the provident fund loan in Zhengzhou was limited to Zhengzhou hukou, and employees who paid provident fund in other places in the city or the province applied for it. Zhengzhou people who worked outside the province and paid provident fund could not use provident fund loans when they returned to their hometowns to buy houses. From January 1, 22, those who have registered in Zhengzhou and have paid provident fund in other provinces can also use provident fund loans when buying a house in Zhengzhou. As long as both husband and wife meet the conditions of provident fund loans, purchase the first suite and use the provident fund for the first time, the maximum loan amount is 8, yuan.

According to Zhengzhou Evening News, Chen Jiangong, director of the Credit Management Department of Zhengzhou Provident Fund Management Center, said that the personal loan utilization rate of Zhengzhou Provident Fund Management Center has dropped from a high level to a scientific level, and the financial conditions allow for a moderate increase in the loan amount. In accordance with the principle of not speculating in housing, we should treat the newly needed housing differently from the improved housing, and adjust relevant policies to focus on ensuring that low-and middle-income workers' families buy ordinary housing.

In addition, from January 1, 22, high-tech talents and demobilized soldiers who entered Zhengzhou's high-tech talent pool can apply for loans if they meet the loan conditions after opening an account for one month. If the spouse of high-tech talents has not paid the provident fund, they can apply according to the loan conditions of both husband and wife, and the maximum loan for the first suite can be 8, yuan.

Let's stop here for the introduction of the loan quota of Zhengzhou Provident Fund in different places.