Chengdu provident fund loan policy requirements are more stringent, and the second suite recognizes housing and loans; The monthly repayment amount of the loan applicant to repay the housing loan shall not be higher than 50% of the monthly income. The "Detailed Rules" shall be valid for five years, and shall come into force on March 65438+ in 2009.
In addition, if the borrower illegally obtains the provident fund loan by providing false information, documents or materials to Chengdu Provident Fund Center, Chengdu Provident Fund Center has the right to terminate the loan contract in advance, register the dishonesty of housing provident fund, cancel its provident fund loan qualification within 5 years from the date of registration and report it to relevant departments for joint punishment.
Loan amount, term, down payment ratio and interest rate
The maximum amount of provident fund loans in Chengdu is 700,000 yuan for two or more employees who meet the loan conditions and 400,000 yuan for a single employee.
Loan amount = (borrower's provident fund deposit balance+* * and applicant's provident fund deposit balance) ×× deposit time coefficient× 20 times.
If the continuous normal deposit time is less than 12 months, the deposit time coefficient is 0.5; If the continuous normal deposit time is 12 months to 24 months, the deposit time coefficient is 0.9; If the continuous normal deposit time exceeds 24 months, the deposit time coefficient is 1.
For two or more loan applicants who meet the loan conditions, the deposit time coefficient can be determined according to the party with a long continuous normal deposit time.
Loan term:
It shall be calculated as a whole year, with a minimum of 1 year and a maximum of 30 years, and the maturity date of the loan shall not exceed 5 years after the statutory retirement time of the loan applicant, that is, men are under 65 years of age and women are under 60 years of age. Two or more loan applicants who meet the loan conditions may determine the loan term according to a longer term.
To apply for a second-hand housing loan, the loan term plus the building age of the purchased house shall not exceed 30 years.
The monthly repayment amount of the loan applicant to repay the housing loan shall not be higher than 50% of the monthly income.
(1) The monthly repayment amount of housing loan refers to the sum of the monthly repayment amount of housing loan displayed by the personal credit information system and the monthly repayment amount of the applied provident fund loan.
(2) Determination of monthly income.
1。 The monthly income of employees paid by the unit shall be based on the deposit base when applying for provident fund loans, and no separate proof of income shall be provided. If the unit that the loan applicant paid the provident fund is inconsistent with the declared work unit, it is necessary to provide evidence such as the explanation of the remittance relationship issued by the work unit.
2。 The monthly income of individual voluntary depositors shall be based on the deposit base when applying for provident fund loans. If the deposit base is above the tax threshold, you need to provide additional evidence such as social security personal insurance payment data for nearly 6 months. If the relevant information shows that the monthly income is inconsistent, the lowest value shall be taken to determine the monthly income.
3。 * * * If the applicant's monthly income is not paid into the provident fund, the income certificate issued by the unit shall prevail. If the income certificate shows that the monthly income is above the tax threshold, you need to provide another evidence (such as salary, subsidy, etc.). ) or social security personal insurance payment information in the past 6 months. If the relevant information shows that the monthly income is inconsistent, the lowest value shall be taken to determine the monthly income.
Identification standard of housing provident fund loan unit
(1) In any of the following circumstances, it shall be deemed as the purchase of the first housing and the implementation of the first housing provident fund loan policy:
No housing, no outstanding housing loans.
(two) in any of the following circumstances, to determine the purchase of a second set of housing, the implementation of the second set of housing provident fund loan policy:
1。 There is a house but no outstanding housing loan;
2。 No housing, but there are outstanding housing loans;
3。 There is a set of housing, there is an outstanding housing loan, and it is the same set of housing (proof materials such as loan contract and housing ownership information must be provided).
(three) in any of the following circumstances, it is recognized as the purchase of the third and above housing, and no loan will be granted:
1。 There are two or more houses;
2。 There are two or more outstanding housing loans;
3。 There is a house, an outstanding housing loan, and it is not the same house.
Down payment ratio and interest rate:
(a) the implementation of the first home provident fund loan policy, the down payment ratio of not less than 30%; If the second-home provident fund loan policy is implemented, the down payment ratio shall not be less than 40%.
(2) If the purchased re-traded house is over 10, the minimum down payment ratio will be correspondingly increased by 10%.
(three) the implementation of the first home provident fund loan policy, the loan interest rate is the statutory provident fund loan interest rate for the same period;
(4) If the second set of housing provident fund loan policy is implemented, the loan interest rate is 1. 1 times of the first set of housing provident fund loan interest rate in the same period.
The monthly repayment amount of the loan applicant to repay the housing loan shall not be higher than 50% of the monthly income.
Loan object and conditions
Employees who normally pay housing provident fund in Chengdu (including individual voluntary payers) and employees who normally pay housing provident fund in provident fund centers outside Chengdu can apply for provident fund loans from Chengdu Provident Fund Center.
Require not to withdraw the housing provident fund to pay the down payment for the purchased house; Chengdu and other centers have no balance of provident fund loans.