Tangshan provident fund loan amount

How much can Tangshan provident fund borrow at most?

1, the maximum loan limit of Tangshan provident fund is 700,000. The housing provident fund loan policy of our city stipulates that the maximum amount of housing provident fund loans applied for shall not exceed 400,000.

2. If the borrower's unilateral deposit status meets the housing provident fund loan conditions, the maximum single loan amount shall not exceed 400,000 yuan; The deposit of both husband and wife meets the conditions of housing provident fund loan at the same time, and the maximum single loan amount does not exceed 600,000 yuan.

3. Legal analysis: increase the maximum amount of loans: the maximum amount of individual housing loans paid by employees' family housing provident fund in a single or double payment is adjusted from 600,000 yuan to 800,000 yuan. The purchase of passive ultra-low energy-consumption self-occupied housing with two-star and above green building standards will increase the loan amount by 20%, with the maximum loan amount of 960,000 yuan.

4. Tangshan Housing Provident Fund Management Center issued a new policy for provident fund loans on the 4th, with the maximum amount of provident fund loans raised to 800,000, and the down payment ratio of the second set reduced to 30%.

5. Related questions: How much can Tangshan Housing Provident Fund borrow every month 120 yuan? The amount of payment depends not on how much you deduct each month now, but on your age, payment period, account balance and monthly payment.

6. The down payment ratio of the second suite of the city's provident fund loan dropped to 30%. The housing subsidy policy is implemented for "Phoenix Talents". Full-time doctors who are introduced full-time will enjoy a one-time housing subsidy of 300,000 yuan if they settle in Tangshan. Full-time graduate students who are introduced and settled in Tangshan enjoy a one-time housing subsidy of 654.38+10,000 yuan.

New Policy of Tangshan Provident Fund Loan 2022

1, Tangshan latest housing policy 2022 I: the minimum down payment ratio is reduced. The minimum down payment ratio of housing provident fund loans will be adjusted from not less than 30% to not less than 20% if the paid employees purchase the first and second sets of self-occupied housing.

2. Tangshan Housing Provident Fund Management Center has optimized and adjusted the housing provident fund withdrawal policy, including the withdrawal adjustment of full house purchase and the withdrawal adjustment of loan house purchase.

3. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 0.25% and 575% respectively. The first set of individual housing provident fund loans accepted but not issued before June 65438+1October 65438+1October 2022 shall be subject to the adjusted interest rate standard for individual housing provident fund loans.

4, and spouse) 60% of the monthly income. Maximum loan amount. The maximum loan limit for single and double employees is 600,000 yuan. The new loan quota approval method will be implemented on June 26, 2009.

What is the latest policy of Tangshan housing provident fund loan in 2023?

1. The loan amount of the loan applicant shall not exceed 10 times of the account balance of the loan applicant (and spouse). If the borrower (and spouse) fails to withdraw the provident fund within 3 years, the loan amount will rise by 20%. Verification of repayment ability.

2. The new annual provident fund policy is as follows: New Deal 1: Rent invoices and tax payment certificates are not required for renting a house to withdraw the provident fund. The new regulations point out that employees have paid the housing provident fund in full for three months in a row, and if they and their spouses have no own housing and rent a house in the deposit city, they can withdraw the housing provident fund of both husband and wife to pay the rent.

3. Provident funds can be used in different places. In the new adjustment plan ushered in by the provident fund in 2023, the biggest change is that the provident fund can be used in different places. The implementation of this measure is to promote the development of the real estate market in all parts of China, and also to proceed from the actual interests of the people, so that the people can truly appreciate the benefits given by the state to the people.

4. What are the new policies for the annual review of provident fund loans? The loan amount and the increase of the calculation period coefficient. The calculation coefficient of loan amount is increased from 30% of the deposit base of housing provident fund to 50%. Comprehensive calculation of loan withdrawal.

What is the interest rate of Tangshan provident fund loan?

1 dear users, as far as I know, the loan interest rates of major banks in Tangshan are determined according to national policies and market conditions, and the interest rates of different banks will be different. Generally speaking, the interest rate of large state-owned banks is relatively low, and the interest rate of small joint-stock banks is relatively high.

2. What is the interest rate of the second suite of Tangshan Provident Fund? The interest rate of Tangshan provident fund second home loan 58 refers to the interest rate of Tangshan provident fund second home loan 58%.

3、%。 On May 25, 2022, Tangshan City, Hebei Province canceled the policy of restricting the purchase and sale of commercial housing in lunan district, lubei district and High-tech Zone. In addition, Tangshan has also adjusted the policy of commercial loans for house purchase.

4. According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is: individual housing Roy provident fund deposit: the annual interest rate paid in the current year and carried forward from the previous year is 5%; Personal housing provident fund loan: the annual interest rate is 75% for less than five years (including five years) and 25% for more than five years.

5.2014165438+122 October, the interest rate of individual housing provident fund loans will be lowered. The interest rate of individual housing provident fund loans for more than five years is lowered from 50% to 25%; The interest rate of individual housing provident fund loans for five years and below will be lowered from 00% to 75%.

6. The down payment ratio is not less than 30%; When employees buy a second house, the down payment is 60%, and the interest rate rises 10%.

How does Tangshan City, Hebei Province calculate how much money it can borrow from its provident fund?

The maximum loan limit of Tangshan provident fund is 700,000. The housing provident fund loan policy of our city stipulates that the maximum amount of housing provident fund loans applied for shall not exceed 400,000.

The calculation formula is: loan amount = house price × loan ratio. Loan amount calculated according to the maximum loan amount: under normal circumstances, if I apply for housing provident fund loans with my own housing provident fund, 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.

There are four main ways to inquire about your own provident fund loan amount: according to the balance of individual housing provident fund account. The loan amount for price-limited commercial housing or affordable housing and the first set of self-owned housing (if the account balance is less than 20,000 yuan, it shall be calculated as 20,000 yuan) shall not be higher than the balance of the provident fund account.

Legal subjectivity: (1) The calculation formula is as follows: (the ratio of monthly provident fund contributions by borrowers and auxiliary borrowers ×2 (months) annual provident fund contributions by borrowers and auxiliary borrowers )× loan period.

What is the new policy of Tangshan provident fund loan?

If the borrower (and spouse) fails to withdraw the provident fund within 3 years, the loan amount will rise by 20%. Verification of repayment ability. Monthly income = monthly deposit of housing provident fund ÷ (proportion of unit deposit and proportion of individual deposit) The repayment ability shall not exceed 60% of the monthly income of the borrower (and spouse). Maximum loan amount.

If the borrower (and spouse) fails to withdraw the provident fund within 3 years, the loan amount will rise by 20%.

The latest policy of Tangshan house purchase 2022: the minimum down payment ratio is reduced. The minimum down payment ratio of housing provident fund loans will be adjusted from not less than 30% to not less than 20% if the paid employees purchase the first and second sets of self-occupied housing.

New Deal 1: Increase the maximum loan amount, and adjust the maximum personal housing loan amount from 600,000 yuan to 800,000 yuan. The purchase of passive ultra-low energy-consumption self-occupied housing with two-star and above green building standards will increase the loan amount by 20%, with the maximum loan amount of 960,000 yuan.

The down payment ratio of the second suite of the city's provident fund loans fell to 30%. The housing subsidy policy is implemented for "Phoenix Talents". Full-time doctors who are introduced full-time will enjoy a one-time housing subsidy of 300,000 yuan if they settle in Tangshan. Full-time graduate students who are introduced and settled in Tangshan enjoy a one-time housing subsidy of 654.38+10,000 yuan.

The maximum loan limit of Tangshan provident fund is 700,000. The housing provident fund loan policy of our city stipulates that the maximum amount of housing provident fund loans applied for shall not exceed 400,000.

Let's stop here for the introduction of Tangshan provident fund loan quota.