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Jinhua Provident Fund Loan Policy 223
I. Jinhua Provident Fund Loan Policy 223
Jinhua Provident Fund Loan Policy
According to the Notice on Adjusting Jinhua Housing Provident Fund Loan Policy (No.7 [222] of the Financial Management Committee), in order to give full play to the housing guarantee function of housing provident fund and support the reasonable housing needs of paid employees, the individual housing provident fund loan policy is now adjusted as follows:
I.
2. If an employee who pays the provident fund purchases the first house and applies for a provident fund loan, the maximum loan amount for the employee to pay the provident fund unilaterally is 4, yuan, and the maximum loan amount for both employees to pay the provident fund is 8, yuan; If an employee who has paid the provident fund applies for a provident fund loan to buy two houses, the maximum loan amount for the employee to pay the provident fund unilaterally is 25, yuan, and the maximum loan amount for both employees to pay the provident fund is 5, yuan.
3. For families with three children according to the national policy, when applying for provident fund loans for housing purchase, the loan amount can be increased by 2% within the stipulated loanable ratio and multiple of the balance of individual provident fund accounts. Provident fund loans need to wait, can give priority to lending.
Second, the New Deal of Jinhua Provident Fund is coming. What should you pay attention to when buying a house with provident fund?
You can apply if you meet the requirements.
the new site requires the developer to submit an application for provident fund loan to the local provident fund management center and get it approved. Developers must submit a lot of materials, which are basically important documents for developers. This is very simple. You can ask the developer or directly check it on the large-scale real estate website. Even directly ask the provident fund management center whether a certain community can apply for provident fund loans.
In addition, only residential projects can apply for provident fund loans, and office buildings, shops and apartments are not accepted as provident funds. Second-hand housing can be handled directly.
III. Jinhua Provident Fund Loan Policy 222
The amount of provident fund loan refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years and paid the housing provident fund in accordance with the regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. 1. Housing provident fund loan quota refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years and paid the housing provident fund in accordance with the regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The latest provisions of the 222 provident fund are as follows: 1. Cancel the restriction on the proportion of rent expenditure to family income, and do not need to provide tax payment certificates and lease contracts for the record; 2, relax the conditions for employees to withdraw housing provident fund to pay rent; 3. If the employee has paid the housing provident fund in full for 3 months in a row, and my spouse and I have no own housing in the deposit city and rent a house, they can withdraw the housing provident fund of both husband and wife to pay the rent. If one of the conditions is enough, you can withdraw the provident fund: 1. Users should build their own houses, or renovate and overhaul their own houses; 2, the user has completely lost the ability to work, and has also terminated the labor contract with the unit, and can withdraw the life of the provident fund; 3. The user has reached the legal retirement age, gone through the retirement formalities, or retired early; 4. Users can withdraw the housing accumulation fund to repay the principal and interest of the house loan; 5. The user wants to leave the country to settle down, and the current unit has terminated the labor contract; 6. The depositor of the provident fund has been declared dead, or has died, and the heir or donor may withdraw the provident fund. Legal basis: "Regulations on the Management of Housing Provident Fund" Article 5 The housing provident 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. "Regulations on the Administration of Housing Provident Fund" Article 6 The deposit and loan interest rate 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. "Regulations on the Management of Housing Provident Fund" Article 7 The administrative department of construction in the State Council shall, jointly with the financial department of the State Council and the People's Bank of China, formulate the housing provident fund policy and supervise its implementation. The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for the supervision of the implementation of the housing provident fund management regulations and policies within their respective administrative areas.
4. What is the contribution ratio of Zhejiang Jinhua Provident Fund?
how much to pay is related to the average wage level and the payment ratio. For example, if the average monthly income is 5, and the monthly payment ratio is 7%, then it is 35 yuan. The deposit ratio is determined by the unit, and two data should be determined for the deposit of the provident fund. One is the deposit base (generally referring to the basic salary), and the other is the deposit ratio (a percentage, the highest is 12%, and the lowest is generally 5%, which is progressive by 1%). The deposit ratio is divided into the unit ratio and the individual ratio. The company ratio is unified throughout the unit, and the individual ratio is generally the same as that of the company, but it can also be increased by individuals, but it cannot be lower than that.
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