(The following policies will be implemented as of August 20th, 20 18)
The amount of provident fund loans is determined by the lowest of the following four items:
(a) shall not exceed the maximum amount announced by Weifang City Housing Provident Fund Management Committee, and at the same time implement differentiated credit policies;
Both the borrower and the spouse pay the housing provident fund continuously and normally.
1, the first housing provident fund loan. The provisions on maintaining the existing loan amount remain unchanged.
2, the second housing provident fund loans, personal loan rate is less than 80% and lasts for more than 3 months, restore the same amount as the first loan; When the personal loan rate is close to 90% and the loan starts to wait for more than 3 months, it will be reduced by 50,000 yuan on the basis of the current first loan amount.
The borrower unilaterally (including singles) continuously pays the housing provident fund normally.
1, the first housing provident fund loan. On the basis of the normal deposit of the first loan amount by both the borrower and the spouse, the loan amount is reduced by 50,000 yuan each.
2. For the second housing provident fund loan, on the basis of unilateral deposit, the first loan amount is reduced by 50,000 yuan. When the personal loan interest rate is lower than 80% and lasts for more than 3 months, the same amount as the first loan will be restored. When the personal loan ratio is close to 90%, each loan will be reduced or exempted by 50,000 yuan on the basis of unilaterally depositing the first loan amount when the loan is pending or resumed for more than 3 months.
(2) When deducting the total house price, it shall not exceed the remaining house price after the down payment is paid according to the specified proportion.
If the owner of the house purchase contract is a person with full capacity for civil conduct other than husband and wife, the maximum loan amount shall be the remaining house payment after deducting the down payment according to the specified proportion of the value of the house occupied by the borrower (if there is a specific proportion, it shall be divided according to the specific proportion; if there is no specific proportion, it shall be divided according to the average proportion).
(3) Calculated according to 15 times of the sum of the balance of the provident fund account deposited by both husband and wife at the time of the borrower's application; If the borrower pays unilaterally for both husband and wife (including singles), it shall be calculated as 15 times of the balance of the applicant's provident fund account.
Identification of the balance of the borrower's and spouse's housing provident fund account that can be used to calculate the loan amount;
1. The balance of the borrower's and spouse's account that needs to be kept in normal deposit for more than 12 months (inclusive) can be used to calculate the loan amount.
2, the borrower's spouse in different places to deposit provident fund without consolidated balance; However, applications for provident fund loans in different places can be combined;
3. Whether the borrower and spouse have repaid the loan within 12 months before applying for the loan is determined as continuous deposit according to relevant regulations and specific conditions.
(4) If the loan term is less than 5 years (including 5 years), the monthly repayment amount shall not exceed 50% of the total monthly income of both husband and wife (excluding loans within 1 year); If the loan term is more than 5 years, the monthly repayment amount shall not exceed 40% of the total monthly income of both husband and wife.
Calculation formula: (monthly repayment of provident fund loan+monthly repayment of commercial loan+monthly repayment of consumer loan+monthly repayment of guarantee+)/monthly household income ≤50% or 40%.
The monthly income of borrowers who can repay loans is calculated based on the deposit base of housing provident fund in the information management system. If both the borrower and the spouse deposit the housing provident fund, it shall be calculated according to the deposit base of both parties. If the borrower pays the housing provident fund unilaterally and is married, it shall be calculated according to the borrower's deposit base plus the spouse's monthly income (the spouse's monthly income shall be calculated according to the minimum wage standard of our city), and if it is single, it shall be calculated according to the borrower's deposit base.
If the building area of the house purchased by the borrower is the first suite within 144 (inclusive) square meters, and the first housing provident fund loan is made, the down payment shall be paid in proportion, the loan period reaches the longest loanable period, the balance of the provident fund account is sufficient before the application, and both the borrower and the spouse pay the housing provident fund, and the monthly repayment amount accounts for less than 250,000 yuan of the family monthly income, the upper limit of the loan amount shall be determined according to 250,000 yuan.
If the borrower unilaterally pays the housing provident fund, if the monthly repayment amount accounts for less than 200,000 yuan of the family's monthly income, the upper limit of the loan amount shall be determined according to 200,000 yuan.
The monthly income that the borrower can use to repay the loan is determined according to the base of the housing provident fund paid by both the borrower and the spouse, and is automatically calculated by the system.
1. Both the borrower and the spouse have paid the housing accumulation fund locally. Whether the spouse has continuously paid the housing accumulation fund 12 months, the monthly income that the borrower can use to repay the loan can be calculated together.
2. In addition to the normal adjustment of the unit in the month of annual base adjustment, if the deposit base is temporarily adjusted before applying for a loan, it shall be calculated according to the average base before the month of application 12 months.
3. If the borrower pays locally and the spouse fails to pay the provident fund in our city, it shall be determined by unilateral payment, and the monthly income of the spouse shall be calculated according to the minimum wage standard in our city.
4. If applying for a loan in a different place, the monthly income that the borrower can use to repay the loan shall be determined according to the deposit base specified in the certificate of deposit and use of the housing provident fund of the borrower and spouse.
Criteria for determining the final loan amount: the upper limit of the loan amount is determined according to the ratio of the borrower's and his spouse's deposits to the borrower's deposits; The remaining house price after the down payment is paid for the purchased house; The first and second sets of housing provident fund loans; Multiple of the balance of the housing provident fund account; The minimum value of the upper limit of the loan amount calculated according to the monthly repayment amount accounting for the specified proportion of the borrower's family income that can be used to repay the loan.
Extended data:
Housing provident fund loan process:
(1) Consultation of loan applicants
The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan.
(two) the loan applicant to the loan handling department for preliminary examination and related evaluation.
1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.
2 according to the provisions of the need for personal credit evaluation of the loan applicant, the loan applicant shall sign a letter of credit evaluation under the supervision of the staff of the loan handling department.
3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure.
4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.
(3) The loan applicant waits for telephone notification.
1. The staff of the loan handling department will review the loan according to the materials required by the loan applicant and the evaluation results of relevant institutions. If it is necessary to communicate with the loan applicant by telephone, the staff will verify and confirm with the loan applicant by telephone through the contact information provided by the loan applicant.
2. If the guarantee method chosen by the loan applicant is the guarantee center, after the guarantee is approved, the staff of the guarantee center will inform the loan applicant of the time to sign the loan-related contract, the materials to be carried and the guarantee service fee to be paid; If the loan applicant chooses the non-guarantee center as the guarantee method, after completing the relevant procedures according to different guarantee methods, the staff of the loan handling department will inform the loan applicant of the time and required materials for signing the loan-related contract.
(4) The loan applicant signs relevant contracts.
1. According to the interview time notified by telephone, the loan applicant will go to the loan handling department to go through the signing formalities with the materials needed for the housing provident fund loan interview. For loan applicants who need to pay assessment fees and guarantee fees, they should first pay at the designated counter and receive invoices.
2. The loan applicant and * * * and the applicant, the mortgagor and the pledger complete the signing procedures of the Loan Contract and other relevant contract documents under the guidance of the staff of the loan handling department.
(5) Bank loans
After the bank lends money, the loan applicant goes to the bank to collect the relevant contract documents of the borrower.
(6) Monthly repayment
The loan applicant shall repay the loan on a monthly basis in accordance with the provisions of the loan contract.
References:
Weifang provident fund management center-housing provident fund quota calculation