Balance of Dalian Provident Fund and Loan Amount

Time is up, because the bank's restrictions on commercial loans are becoming more and more severe, and more and more property buyers are beginning to look to provident fund loans. Many property buyers believe that the amount of provident fund loans is closely related to the balance in the account. Generally speaking, according to the general situation in the region, the amount of provident fund loans is usually 15-20 times the balance, which is generally recognized by the majority of property buyers, so many people dare not withdraw provident fund under any circumstances, for fear of affecting future provident fund loans. However, according to Bian Xiao's research, this statement is not accurate, and the amount of provident fund loans is inextricably linked with many conditions. For example, personal credit information, for example, Xiaoming and Xiaogang worked in the same company for three years, during which Xiaoming never extracted the provident fund record, while Xiaogang extracted the provident fund for one year because of renting a house; On the other hand, Xiaoming's credit card has been overdue for three times in the past year, and Xiaogang has always maintained a perfect personal credit. In this case, even if the balance of Xiaogang's provident fund is not as good as Xiaoming's, due to credit problems, Xiaogang may lend a higher amount, and Xiaoming faces the risk of reducing or even being rejected. In addition, in fact, the standards for approving the amount of provident fund loans vary from place to place. In some cities, the balance of provident fund accounts may not have a direct impact on the amount. The following small series takes Beijing and Shanghai as examples to introduce the determinants of the amount of provident fund loans. The loan amount in Beijing depends on the appraised value of the house, monthly deposit, loan application period, down payment and construction area. 1. Calculate the loan amount according to monthly income, monthly deposit amount and loan period. The calculation method is as follows: the maximum loanable amount = (monthly household income-basic living standard in Beijing)/monthly repayment amount per 10,000 yuan during the loan period, where monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund. 2. Calculate the loan amount according to the down payment and the appraised value of the house: At present, the down payment for the first suite in Beijing is 35%, so the maximum loan amount that can be applied for cannot exceed 65% of the appraised value of the house. Three. Assess the loan amount according to the housing area. Applicants (individuals or couples) who currently purchase policy-oriented housing or the first set of self-occupied housing with a construction area of 90 square meters or more have a single maximum loan amount of 6.5438+0.2 million yuan. The purchase of non-policy housing or a second house with a construction area of over 90 square meters in Xing Tao, with a maximum loan amount of 800,000 yuan. In short, at present, in applying for provident fund loans in Beijing, in addition to monthly income, monthly deposit and loan life, conditions such as the maximum amount and minimum down payment of a single loan will also be considered. Although the account balance has no direct impact on the loan amount, you can only apply for provident fund loans if you have paid the provident fund continuously for six months. For details, please consult Beijing Housing Provident Fund Management Center. When Shanghai applies for housing provident fund, the loanable amount depends on the balance of the provident fund account, the monthly deposit, the age of the lender, the appraisal value of the house and other factors. At present, according to the latest regulations, if there is no record of housing and provident fund loans in this city under the name of the employee's family, it is recognized as the first set of housing. If it is recognized as the first set of housing, the differentiated credit policy of provident fund will remain unchanged. That is, for families whose employees purchase the first set of self-occupied housing and whose construction area in Xing Tao is less than 90 square meters (inclusive), the down payment ratio of housing provident fund loans is not less than 20%; For families who purchase the first set of self-occupied housing with a floor area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%. However, the second suite had a new adjustment at the end of last year. According to the regulations, if it is recognized as the second set of improved housing, the interest rate of the provident fund loan will be adjusted to 1. 1 times the interest rate of the first set of housing loans in the same period; The maximum amount of family loans is adjusted to 800,000 yuan (the maximum amount of personal loans is adjusted to 400,000 yuan), and the supplementary provident fund is adjusted to 6,543,800 yuan (the individual is adjusted to 500,000 yuan); The down payment ratio of provident fund loans, ordinary housing shall not be less than 50%; Non-ordinary housing shall not be less than 70%. In addition, the Shanghai Provident Fund also stipulates that the balance affects the amount of provident fund loans. The proportion of the monthly repayment amount of Shanghai provident fund loans to the monthly salary base is adjusted to not exceed 40%; The storage balance multiple for calculating the loan amount of provident fund is adjusted to 30 times, and the storage balance multiple for supplementary provident fund is adjusted to 10 times. From the example of Beijing and Shanghai, we can see that the balance of provident fund does not directly affect the loan amount. If you plan to buy a house with a provident fund loan, don't take the balance too seriously. After all, there are many conditions that affect the loan amount, and more efforts are needed to obtain a higher loan amount.

Legal objectivity:

Regulations on the administration of housing provident fund

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to 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.

Regulations on the administration of housing provident fund

Article 27

Applicants who apply for housing provident fund loans shall provide guarantees.