2. Deposit time requirements: In addition to the loan limit, if you want to apply for a provident fund loan to buy a house, you must also meet a certain deposit time. In most cities, the requirement for the deposit time of provident fund is that the borrower has paid the provident fund in full for more than 6 months when applying for a loan, and the provident fund account is in the state of deposit. Representative cities are Beijing, Shanghai and Guangzhou. There are also cities that still require a continuous deposit of 12 months or more to obtain loans, such as Tianjin and Changsha.
3. Account balance affects the loan amount: In fact, the conditions that affect the loan amount mentioned here refer to the account balance. Some cities do take the balance of provident fund account as one of the conditions for calculating the loan amount. Guangzhou stipulated loan amount = account balance ×8+ monthly deposit × number of months to retirement age. If the account balance is too small, the loan amount that can be applied for will be lower, which will naturally affect the purchase. However, not all urban provident fund quotas are affected by account balances.
4. Long lending period: the lending period of provident fund loans is longer than that of commercial loans, with quick loans lasting less than one month and slow loans lasting more than two months.
Extended data:
On March 24th, 2002, the State Council promulgated the revised Regulations on the Management of Housing Provident Fund (the State Council Order No.262), which made relevant provisions on the scope of application, institutions and their responsibilities, deposit, withdrawal, use, supervision and punishment of housing provident fund.
On May 13, 2002, the State Council issued the Notice on Further Strengthening the Management of Housing Provident Fund (Guo Fa [1998] No.23), which further explained and supplemented the management regulations, and requested the Ministry of Construction to supervise and inspect the implementation of the Regulations on the Management of Housing Provident Fund and this notice together with relevant departments, and report to the State Council.
20101.2 People's Republic of China (PRC), the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and other departments issued the Notice on Standardizing the Individual Housing Loan Policy of Housing Provident Fund, which made more explanations and norms on the issuance and collection of housing provident fund.
2065438+2005120, the Ministry of Housing and Urban-Rural Development of the People's Republic of China, the Ministry of Finance and the People's Bank of China issued the Notice of the Ministry of Housing and Urban-Rural Development and the People's Bank of the Ministry of Finance on Relaxing the Conditions for Withdrawing Housing Provident Fund to Pay Rent, in order to protect the legitimate rights and interests of employees who have paid housing provident fund, improve the mechanism for withdrawing housing provident fund, improve the effectiveness and fairness of the system and promote the development of the housing rental market. The "Notice" clarifies the rental conditions: employees have paid the housing provident fund in full for 3 months, and if I and my spouse have no own housing in this city and rent a house, they can withdraw the housing provident fund of both husband and wife to pay the rent. At the same time, the notice also made more specifications and explanations on the withdrawal amount, rent withdrawal conditions, and withdrawal audit efficiency.
References:
Provisions on provident fund loans Baidu Encyclopedia