What is the loan amount for civil servants to buy a house?

1. What is the loan amount for civil servants to buy a house?

The total amount of provident fund loans is generally your monthly deposit multiplied by the total number of months of statutory retirement age, plus twice the balance of the provident fund account. For example, suppose your age is 30 years old, the balance of your provident fund account is 1 000 yuan, and your monthly contribution is 700 yuan. Then according to the above calculation, you can borrow about 522 thousand. Of course, this is only the standard stipulated by the state, and the policies actually implemented in each region may be different, so it should also be considered in combination with your local policies. Legal basis: Article 16 of the Regulations on the Management of Housing Provident Fund: The monthly contribution of employees' housing provident fund is the average monthly salary of employees in the previous year multiplied by the contribution ratio of employees' housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit. Article 17 of the Regulations on the Management of Housing Provident Fund: New employees begin to pay housing provident fund from the second month of their employment, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.

2. Is there any limit on the loan amount for civil servants to buy a house? What's the maximum?

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Basic conditions of commercial housing mortgage loan

1, the borrower has stable occupation and internal income, good credit and the ability to repay the principal and interest of the loan with compensation;

2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;

3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;

4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.

5. After it is agreed that the purchased house is completed and the real estate license is obtained, the purchased house will be used as the loan mortgage, and the mortgage registration formalities will be handled again.

3. What are the restrictions on real estate under the name of civil servants?

No, as long as it is legal income, several sets will do. However, the housing subsidy policy for civil servants has been stipulated:

1, the amount of housing subsidy for civil servants is the product of the amount of housing subsidy per square meter of construction area and the area of housing subsidy for the employees.

2. For the housing subsidy area, it refers to the housing subsidy area standard corresponding to the post (title) and level of the employee.

3, the conditions of the unit can be given to buy workers (civil servants) issued seniority subsidies. The length of service subsidy for employees is calculated and determined according to the product of the price per square meter of construction area of employees' families, the annual length of service subsidy rate, the length of service before 1992 and the housing subsidy area.