Provident fund loan policy

In 2022, the provident fund loan policies are different everywhere. Take Jinan as an example to illustrate: 1. Purchase the first set of ordinary self-occupied houses in the administrative area of Jinan City and apply for housing provident fund loans. The maximum loan amount for an employee's family who pays the housing provident fund for one person will be raised from 350,000 yuan to 500,000 yuan, and the maximum loan amount for an employee's family who pays the housing provident fund for two or more people will be raised from 700,000 yuan to 800,000 yuan. 2. The implementation of the above policies shall be based on the online signing time of the house, and the online signing after 2022 1 14 shall be implemented according to the new policy; 3. The policy is valid for 1 year. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others. Article 29 The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used for establishing the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.

Second, the latest housing provident fund loan policy?

The loan conditions of the first borrower

1. The borrower must continuously deposit the housing provident fund for more than 6 months (including 6 months) before applying for provident fund loans.

2. The borrower carries the title certificate, the original invoice and the original commercial housing sales contract (the second-hand house agreed by both parties) to the housing provident fund for review. Get the loan application form after approval, and fill in the personal information and loan-related information in duplicate with a pen (black) and a carbon pen according to the contents on the form. If you don't scratch or change it, it is invalid.

Third, the latest policy of housing provident fund loans in Jinan

The low down payment is adjusted to increase by 20% and extend the maximum life. The maximum amount of housing provident fund will be raised from 300,000 yuan to 400,000 yuan, and the longest loan period will be extended from 20 years to 30 years. 3. The repayment age is extended. The repayment age is as long as 65 years old, and the female is extended from 55 to 60 years old. 4. The lender's deposit conditions are reduced. Employees who have paid more than one year and paid more than six months in full can use provident fund loans, but employees who have paid more than six months in full can use provident fund loans. 5. Foreign deposits, local purchases, and loanable provident fund. All employees who pay housing in other cities in the province can apply for relaxing the withdrawal policy in our city to purchase affordable housing. Workers who are allowed to buy affordable housing can withdraw the housing accumulation fund once within a certain range by virtue of the Certificate of Allowable Purchase of Affordable Housing and the certificate of down payment. They can use the shantytown renovation and resettlement agreement to withdraw a housing accumulation fund within the price difference of resettlement houses. 7. Simplify the loan procedures and cancel the requirement that the original loan must issue income and credit certificates. 8. Reduce loan deposits. According to the qualification of real estate developers and their handling of housing provident fund loans, it will be reduced from 10% of the total loans to 5%.

4. Beijing Provident Fund New Deal What is the new policy of Beijing housing provident fund withdrawal?

A picture shows the new policy of Beijing provident fund.

The following is the manuscript of the event news for your reference.

Beijing housing provident fund policy will usher in major adjustments. On September 13, Beijing Housing Provident Fund Management Center issued the Notice on Adjusting the Individual Housing Loan Policy of Housing Provident Fund (hereinafter referred to as the Notice), and the provident fund loan will implement the policy of "recognizing the house and recognizing the loan", which is consistent with the recognition standard of commercial loans. At the same time, the rules of the provident fund loan amount will also change, which is linked to the deposit period of the provident fund.

The New Deal of Beijing Provident Fund will be officially implemented on September 17. The so-called "recognizing the house and the loan" depends on whether there is a house under the name, and also depends on the individual housing loan records nationwide. The "Notice" stipulates that if the loan applicant has no housing loan record (including commercial housing loans and housing provident fund personal housing loans) and has no housing in this city, it will be handled according to the first home loan policy; Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy; If there are two or more houses approved, no loans will be granted.

In terms of the down payment ratio, the Notice has also been adjusted. Specifically, for the purchase of affordable housing, the down payment ratio is not less than 20%; Purchase the first set of property housing and other policy housing, the down payment ratio shall not be less than 30%; The down payment ratio of the first set of ordinary self-occupied housing other than policy housing is not less than 35%, and the down payment ratio of the first set of non-ordinary self-occupied housing is not less than 40%. For the purchase of ordinary self-occupied housing and the second set of housing, the down payment ratio shall not be less than 60%; If you buy a second set of non-ordinary housing, the down payment ratio shall not be less than 80%.

The key points of this adjustment also include: the loan amount will be linked to the borrower's housing provident fund deposit period, and borrowers with household registration in Beijing Sixth District will be encouraged to buy the first home outside Beijing Sixth District.

According to the notice, the amount of provident fund loans will be linked to the borrower's housing provident fund deposit period. The annual loan is 6,543,800 yuan, and the maximum loan is 6,543,800 yuan. If the deposit period is less than 654.38+0 whole year, it will be calculated as 654.38+0 whole year. If the loan applicant is married, the loan amount shall be calculated by the party with longer deposit period.

In order to implement the relevant requirements of Beijing's overall urban planning, provident fund loans are subject to differentiated loan quotas. If the borrower's household registration is in Dongcheng District or Xicheng District of Beijing, he can purchase the first house outside the sixth district of Beijing, and the maximum loan amount can be increased by 200,000 yuan on the basis of 6,543,800 yuan; For those who do not belong to the former situation, but the loan applicant's household registration is in the sixth district of the city, buying the first house outside the sixth district of the city can increase the loan amount by up to 65,438+10,000 yuan. For applicants whose household registration is not in the sixth district of the city, the maximum loan amount when purchasing the first house is 6.5438+0.2 million yuan. Meet the requirements of the second home loan policy, with a maximum loan amount of 600,000 yuan.

Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that the highlight of Beijing's current policy is that urban households can enjoy the preferential increase in the amount of provident fund loans when buying houses in the suburbs, which is related to the adjustment of Beijing's current urban industrial structure and urban planning. In terms of down payment ratio, including affordable housing, property housing, ordinary housing and non-ordinary housing, the first suite and the second suite, different down payment ratios are applicable.