No more than 300,000 individuals and no more than 600,000 couples. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loan to house price, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. In addition, if the first home provident fund is not settled, you can't apply for provident fund loans again, but you can apply again after settlement.
1. How to calculate the second set of provident fund loan amount?
Loan amount = total house price ×( 1- specified loan down payment ratio). For the second provident fund loan, the loan amount is 10 times of the borrower's housing provident fund deposit balance (based on the data of 12 the night before applying for provident fund loan). If the borrower's spouse meets the conditions of provident fund loan, the balance of housing provident fund deposit shall be calculated together.
Second, the second set of provident fund loan interest rate provisions?
The loan interest rate in Notes on Housing Provident Fund Loans stipulates that the loan interest rate shall be subject to the housing provident fund loan interest rate published by the People's Bank of China. When the state adjusts the interest rate, it will not adjust the interest rate in that year, and the latest interest rate will be implemented from 1 the following year.
If a loan contract has been signed and there is no loan, the latest interest rate will be directly implemented when the loan is made. If a family applies for a provident fund loan for the second time, the loan interest rate is 1. 1 times of the individual housing loan interest rate of the housing provident fund in the same period. The loan interest rate paid to employees in special industries is also adjusted according to the rules stipulated in the contract.
Three, the use of provident fund secondary loan conditions?
The second time you use the provident fund loan, you need to apply in the month after the last provident fund loan is paid off. Other application conditions are consistent with the first application for provident fund loans:
1. The loan applicant has continuously paid the provident fund in full and on time for six months before the month of applying for the loan, and has not owed the provident fund in the first two years since the month of applying for the loan;
2. The housing purchased by the loan applicant is self-occupied ordinary housing;
3. The loan applicant is the owner of the purchased owner-occupied house or the owner of the house (that is, the buyer on the purchase contract filed by the real estate management department).
How much can an individual borrow for the second time when using provident fund loans?
The maximum down payment ratio for individuals using provident fund loans for the second time shall not be less than 50%. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and maximum loan amount. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and maximum loan amount.
First, the calculation method of using provident fund loans
1, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
2. If the lender has not used the provident fund in the previous 6 months, including settlement, he can apply for a second provident fund loan immediately after repaying the first provident fund loan in advance; If the lender uses the provident fund at the time of settlement or within 6 months after settlement, it must wait another 6 months before applying for a loan.
3, the second use of provident fund loans down payment ratio of not less than 50%. Specifically, you can consult the customer service staff of the local provident fund management center, because local policies are different.
Second, understand the provident fund loans
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. Different from ordinary commercial mortgage loans, provident fund loans have several obvious characteristics:
1, low interest rate. Provident fund loan is a kind of preferential loan, which is generally cheaper than the benchmark interest rate of bank commercial loans;
2. It is widely used. Housing, construction and overhaul can apply for provident fund loans.
To sum up, 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. When the amount of provident fund loans cannot meet the demand of mortgage loans, portfolio loans can not only enjoy the preferential treatment of provident fund loans, but also solve the problem of insufficient funds.
Second Loan Amount of Dalian Provident Fund
The maximum loan is 450,000. As of June 5438+065438+1October 65438+May 2022, according to the inquiry, the maximum amount of the second loan of Dalian Provident Fund is 450,000 yuan. The maximum personal loan of Dalian Provident Fund is 450,000 yuan, with the previous loan of 6,543.8+0.5 million yuan and the second loan of 300,000 yuan. Subject to the official. Provident fund, a technical term, pinyin is G, not NGJ, J and N, which usually refers to housing provident fund and sometimes refers to company provident fund.
Secondary loan amount of provident fund
The second loan amount of provident fund is determined according to four conditions: repayment ability, housing price ratio of provident fund loan, balance of provident fund account and maximum loan amount. The smallest of these four values is your maximum loanable amount. When employees apply for housing provident fund loans, the second loan amount is 10 times of the borrower's deposit balance.
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 in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
On August 17 and 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that the down payment for purchasing a second home with provident fund loans will be cancelled by 20% from September 15 and 1 day.
Loan terms:
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
How many times can I use the housing provident fund loan?
Provident fund loans can be borrowed twice, and provident fund loans can only be borrowed 1 time at the same time.
Generally speaking, if a family has bought two houses with provident fund, they can no longer use provident fund loans, that is, provident fund loans can only be borrowed twice at most.
Provident fund loans can only be loaned once at the same time, and can only be loaned again after repayment. Workers can apply for housing provident fund personal loans again after the first housing provident fund personal loans have been settled for 5 years. Employees who buy a third home will not accept loan applications.
Calculation of the loan amount of provident fund;
Monthly contribution amount of provident fund ÷ contribution ratio × individual repayment ability coefficient (at present, the individual repayment ability coefficient is 0.3)× 12 (month )× actual loanable period (the legal retirement age for men is 60 years, for women is 55 years, the loanable period for commercial housing is not more than 30 years, and that for second-hand housing is not more than 20 years).
The provident fund management center has certain regulations on the down payment ratio of different houses.
For example, the Beijing Provident Fund Management Center stipulates that the down payment ratio of the first suite of Beijing housing provident fund loans is generally 30%, which meets the minimum requirement (below 90 square meters) of 20%. The down payment ratio of the second suite is not less than 70%. That is, the first suite of Beijing housing provident fund can generally borrow 70%, with a maximum of 80%; The second suite can borrow up to 30%, and the third suite can stop lending.
How many times can I borrow provident fund loans?
Provident fund loans can be borrowed twice. The number of applications for provident fund loans is calculated by family. No matter before or after marriage, two people have used it twice together, and they can't use provident fund loans again.
Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 6 months, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient.
The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
Provident fund loan conditions:
The total amount of provident fund paid by the borrower and his family members is at least 20% of the newly purchased (overhauled) housing expenditure; The lender has a stable economic income and the ability to repay the principal and interest; The borrower agrees to apply for housing mortgage registration insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
The calculation method of provident fund loan amount is as follows:
Loan amount calculated according to repayment ability
The calculation formula is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
Depending on the number used by the spouse
[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).
Among them, the repayment ability coefficient is 40%.
Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).
Loan amount calculated according to house price
The calculation formula is: loan amount = house price × loan ratio.
The loan amount is calculated according to the maximum loan amount.
If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
The introduction of the two quotas of provident fund loans and the two quotas of provident fund loans ends here. I wonder if you found the information you need from it?