Inquiry on the loan amount of provident fund

Huai' an: Starting Commercial Personal Housing Loans to Housing Provident Fund Loans

On November 21st, Huai' an Housing Provident Fund Management Center of Jiangsu Province issued the Management Regulations on Commercial Personal Housing Loans to Housing Provident Fund Loans in Huai' an, announcing the start of commercial personal housing loans to housing provident fund loans (hereinafter referred to as "commercial to public loans"), which will take effect on December 1st, 222.

The starting scope is that the depositor of housing provident fund has purchased self-occupied housing in the administrative area of Huai 'an City, and has applied for commercial personal housing loan (hereinafter referred to as "commercial loan") and has no more than two houses in the administrative area where the house is purchased, which meets the conditions of housing provident fund loan in Huai 'an City.

The regulations show that the start and stop of commercial-to-public loans will be linked with the personal loan ratio of Huai 'an housing provident fund, and dynamically adjusted with the maximum amount of housing provident fund loans in Huai 'an.

according to the announcement, there are two ways to handle the business-to-public loan: mortgage-to-loan and loan-after-payment. Lending with mortgage means that the borrower's original commercial loan bank can apply for a corporate loan by means of "lending with mortgage", namely: China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, China Bank, Industrial Bank, Postal Savings Bank, Jiangsu Bank, Suzhou Bank, China CITIC Bank, Nanjing Bank, Shanghai Pudong Development Bank, Jiangsu Huai 'an Rural Commercial Bank, Jiangsu Lianshui Rural Commercial Bank and Jiangsu Hongze Rural Commercial Bank.

the loan after clearing first means that the borrower's original commercial loan bank is outside the scope of the above-mentioned banks, and the applicant adopts the method of "clearing first and lending later" to transfer the loan to the public.

The amount of the commercial-to-public loan should be comprehensively determined in combination with the borrower's housing provident fund deposit, the purchase price, the repayment ability, the remaining principal of the original commercial loan, personal credit and other factors, and at the same time, it should not exceed the following limits: it should not exceed the maximum amount of the housing provident fund loan implemented by Huai 'an City at the time of loan acceptance; Not exceeding the loan amount calculated according to a certain multiple of the storage balance of the housing provident fund account or the repayment ability coefficient at the time of loan acceptance; Do not exceed the remaining principal of the original commercial loan, and keep it to 1 yuan; If the loan is transferred from a commercial bank to a public bank by means of "lending with mortgage", the loan amount shall not exceed the amount of the remaining principal of the original commercial loan after deducting the principal payable for two months, and shall be reserved to 1, yuan.

how much can I borrow from the provident fund?

the provident fund loan can be 5, yuan.

generally, if one person applies for housing provident fund loans, the maximum loan amount is 5,; if two or more people purchase the same house and apply for housing provident fund loans, the maximum loan amount is 8,.

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 4, yuan. The maximum amount of individual housing provident fund loans in Guangzhou is 5,, and the maximum amount of housing provident fund loans in Beijing is 8,. If the rating is rated as 3A, it can reach 8, (13%) = 1.4 million.

information for handling housing provident fund loans:

(1) original ID card, household registration book, marriage certificate or marital status certificate of employees and spouses, and housing provident fund card.

(2) the original sales contract (the purchase of second-hand houses must also provide the ownership certificate, the state-owned land use certificate, the People's Republic of China and the deed tax payment certificate).

(3) the down payment certificate issued by the selling unit.

(4) The borrower's self-signed commitment letter, and the commitment letter that the lending bank agrees to inquire and print the personal credit report through the credit information system of the People's Bank of China.

how much can Huai' an provident fund borrow from 25, yuan?

You can borrow from 625, yuan. According to the inquiry information, Huai 'an's provident fund is calculated based on the balance of the provident fund account. Generally speaking, there is 25, yuan in the provident fund account, and the maximum loan amount does not exceed 25 times of the balance of the provident fund account, which is 625, yuan.

how many times is the balance of Huai' an provident fund loan

1 to 2 times.

The multiple of Huai 'an provident fund loan will be different according to different loan types and personal conditions of borrowers. Generally speaking, the multiple of provident fund loans is 1 to 2 times the balance. The multiple of provident fund loans mainly depends on the loan type: different loan types will have different multiples.

Provident fund is a kind of housing provident fund paid by employees and employers, aiming at providing housing security for employees and improving their living conditions.

what are the conditions for Huai' an provident fund loan?

(1) The applicant and the applicant who participated in the calculation of the loanable amount of the provident fund loan have continuously paid the housing provident fund in full and on time in this city for six months or more before the month of application, and the provident fund account is in a normal state at the time of application (the account is sealed, frozen and cancelled is in an abnormal state). All loan applicants must have the ability to repay the principal and interest of the loan and have a good credit status; \ (2) The applicant and the applicant have not made provident fund loans in this city or have paid off the provident fund loans; If one of the applicant's parents is the same applicant, the other party shall also have no provident fund loan in this city or have paid off the provident fund loan; (3) The applicant has paid the down payment for the house purchase as required; (4) The applicant agrees to provide a guarantee that meets the requirements of these Provisions; (five) the loan application meets the requirements of the national, provincial and municipal real estate market management policies; (6) Meet other conditions stipulated by the provident fund management committee. First, the provident fund cannot be directly used as the down payment for house purchase. If citizens want to buy a house through the housing provident fund loan, they need to spend it first and then withdraw it, that is, pay the down payment first, and then bring their own ID cards and household registration books. If they are married, they need to provide proof materials such as marriage certificate, and withdraw the storage balance in their provident fund from the local housing provident fund management center. \ Second, the total withdrawal of the provident fund cannot exceed the total house payment. For example, when a citizen buys a house with a loan, the total price is 2, yuan, but his reserve fund balance is 3, yuan, so he can only withdraw 2, yuan, and the remaining 1, yuan cannot be withdrawn. \ Third, you can use the provident fund to buy a house after clearing the provident fund loan. Whether the provident fund loan is made before marriage or after marriage, one of the husband and wife has made a provident fund loan, and there will be a corresponding record in the provident fund center system. Before the last loan is paid off, the husband and wife can no longer use the provident fund loan to buy a second suite.

What is the maximum loan amount of Huai 'an provident fund

Legal analysis: 1. The amount of personal housing loan of housing provident fund is increased: if a single employee pays the housing provident fund, the maximum loan amount of personal housing loan of housing provident fund is increased from 3, yuan to 4, yuan; If both employees pay the housing provident fund, the maximum loanable amount of individual housing loans for housing provident fund will be increased from 6, yuan to 8, yuan. The calculation formula of loanable amount will be increased from 6 times to 8 times of the amount of housing provident fund paid in the first 12 months when employees apply for loans.

2. It will be more convenient for commercial housing loans to be converted into housing accumulation funds for individual housing loans.

3. The maximum loan amount of housing provident fund shall not exceed

7% of the total house price. The loan amount formula of housing provident fund: the sum of the individual monthly contributions of the borrower and the spouse's provident fund ÷ the actual contribution ratio x12 (month) ×.45 (repayment ability coefficient) × the loan period (the longest loanable period). If the contribution ratio of the husband and wife is inconsistent, the actual contribution ratio shall be determined according to the higher one.

Housing provident fund refers to state organs and institutions, state-owned enterprises, urban collective enterprises, and so on.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 3 The housing provident fund paid by individual employees and the housing provident fund paid for employees by their units belong to individual employees.

article 4 the management of housing provident fund shall follow the principles of decision-making by the housing provident fund management Committee, operation of the housing provident fund management center, storage in special bank accounts and financial supervision.

article 5 the housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied houses by employees, and no unit or individual may use it for other purposes.

Article 6 The deposit and loan interest rates of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.