What are the conditions for Linyi to use provident fund loans?

1. What are the conditions for Linyi to use provident fund loans?

A borrower applying for a housing provident fund loan shall meet the following conditions:

1, with Linyi permanent residence or valid residence certificate;

2. The housing provident fund has been continuously paid in full for more than 6 months, or it has been paid continuously for 12 months after the provident fund is withdrawn, and the housing provident fund has not been paid for more than 3 months when applying for a loan;

3. Purchase, build and overhaul self-occupied ordinary houses (excluding commercial and residential houses) within the jurisdiction of this Municipality;

4, a stable source of income, good credit, the ability to repay the loan principal and interest, and fulfill the repayment obligations on time;

5. Being able to provide mortgage, pledge or guarantee recognized by the provident fund center, and other conditions that meet the requirements of the provident fund center.

Explain that your provident fund is paid normally. If it is in arrears, it cannot exceed 3 months.

Second, the latest policy of Linyi provident fund loan 2023

New provident fund in 2023

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 who have paid the housing provident fund in full for three consecutive months, who own their own houses and rent houses, can withdraw the housing provident fund of both husband and wife to pay the rent. Previously, the provident fund certificate was withdrawn.

New Deal II: Provident Fund Loan II

For those who own 1 house and have settled the house purchase loan, they will use the housing provident fund loan to buy a house again, and the minimum down payment ratio will be reduced from 30% to 20%.

on one's pins

1. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time.

2. The employee himself or his/her client applies for deposit and deposits it to the municipal provident fund center. According to the employee's application, verify the employee's deposit loan, and issue the Certificate of Deposit and Use of Housing Provident Fund to the professional and rural employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.

3. After applying for a local loan, verify the authenticity and completeness of the loan information in different places with the municipal provident fund deposit center. After verification, the loan examination and approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center to identify the employees' off-site loans, and a detailed ledger of employees' off-site loans shall be established.

Third, Linyi's provident fund loan policy?

30% down payment for the second suite.

1. There is no restriction for Linyi locals to buy a second suite. Non-local residents need to provide proof of tax payment or social insurance payment for more than one year.

2. The down payment ratio of Linyi Second Suite for commercial loans is generally 30%. The down payment ratio of Linyi provident fund loans was raised, and the down payment ratio of applying for second-home provident fund loans was raised to 40%.

3, housing loans of 500 thousand to 600 thousand yuan; The down payment ratio of the second set of improved housing provident fund loans was reduced from 40% to 30%.

4. Linyi's housing purchase policy is to limit purchases, loans and loans. Among them, the transfer restriction is to restrict the listing and trading of real estate under two years, and non-local residents can be listed and traded after three years. Beishi, Yishui County and other places have implemented this purchase policy.

Four, Linyi provident fund loan policy

You must pay the provident fund for six months in a row before you can apply for a provident fund loan. 1, first use: down payment 30%, interest rate 3.25%; Second use: down payment 40%, interest rate 3.575%; 2. Shandong's provident fund can buy a house in Linyi; 3. The debt of husband and wife cannot exceed 800,000; 4. The housing area cannot exceed 200 square meters; 5. Couples can use provident fund loans for up to 2 times; 6. The couple's credit report is overdue for more than 5 times in 500 yuan; 7. Collective land houses cannot use provident fund loans; 8. The loan amount can only reach 10,000; 15 times the balance of general loan accumulation fund, with a maximum loan of 500,000; A doctor who graduates within three years can borrow up to 2 million yuan. In order to support residents' demand for self-occupation and improved housing, and increase policy support for the purchase of the first home, Linyi Housing Provident Fund Management Committee deliberated and approved the following adjustments to the housing provident fund loan policy of our city: when calculating the loan amount for employees who meet the housing provident fund loan conditions, the loan amount will be increased from/kloc-0.5 times of the normal deposit balance in the housing provident fund account when the borrower and spouse apply for loans, and the maximum loan amount will be 500,000 yuan. The borrower shall collect and truthfully fill in the Application Form for Housing Provident Fund Loan from all branches of the Provident Fund Center, and submit all materials to the Provident Fund Center for review. Determine the maximum loan amount of housing provident fund; To examine and approve the plan for the collection and use of housing provident fund; To consider the distribution plan of the value-added income of the housing provident fund; Review and approve the report on the implementation of the plan for the collection and use of housing provident fund. Legal basis: "Regulations on the Management of Housing Provident Fund" Article 9 The Housing Provident Fund Management Committee shall perform the following duties in the management of housing provident fund: (1) Formulate and adjust specific measures for the management of housing provident fund according to relevant laws, regulations and policies, and supervise the implementation; (two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund.