Nanchang Provident Fund Loan Amount

Beijing News (Reporter Xu Qian) On March 4, the Nanchang Housing Provident Fund Management Center of Jiangxi Province issued the "Notice on Optimizing Housing Provident Fund Usage Policies" (referred to as the "Notice"), the maximum amount of housing provident fund loans and the rental withdrawal amount have been increased.

The "Notice" sets the current maximum housing provident fund loan amount in Nanchang City (600,000 yuan for dual-payment employees in urban areas and 500,000 yuan for single-payment employees; 500,000 yuan for dual-payment employees and 500,000 yuan for single-payment employees in Nanchang County). 400,000 yuan for employees with double-payment deposits, 400,000 yuan for employees with double-payment deposits and 300,000 yuan for employees with single-payment deposits in Jinxian County and Anyi County. The "Notice" will be implemented from March 7, 2022.

In addition, the "Notice" stipulates that the rental withdrawal quota will be increased and the current rental withdrawal quota in Nanchang City will be unified (1,200 yuan per month in urban areas, 1,000 yuan per month in Nanchang County, Jinxian County, and Anyi County). The salary will be increased to 1,500 yuan per month, and will be reduced by half for single employees. The implementation time will be from March 7, 2022 (inclusive). Employees who have handled the rental withdrawal business for 2022 can make up the difference.

Is there a packaging loan company in Nanchang?

Is there a packaging loan company in Nanchang? Nanchang Xinjian District Dingcheng Co., Ltd. was established on November 1, 2011. Its legal representative is Tu Qixiang, with a registered capital of 100 million yuan. Its address is No. 1298, Wenhua Road, Chang_ Town, Xinjian District, Nanchang City, Jiangxi Province.

Nanchang provident fund loan conditions and requirements

The conditions and requirements are as follows:

1. Have a permanent household registration or valid residence status in this city;

2. Have a relatively stable income, good credit, and the ability to repay the principal and interest of the loan;

3. The borrower and *** the same borrower have paid deposits according to the "Nanchang Housing Provident Fund" when applying for a provident fund loan Management Measures" The housing provident fund has been paid in full and continuously for more than 6 months (including 6 months), and the housing provident fund in the personal account has not been withdrawn and used for the provident fund loan project applied for this time;

4. Provident fund loans are used to purchase self-occupied houses in this city, and there must be a legal house purchase contract or agreement;

5. Have a certain proportion of down payment for house purchase that meets the regulations;

6. Provide guarantees that comply with legal requirements.

Provident fund loans refer to loans enjoyed by employees who have paid housing provident funds. According to national regulations, all employees who have paid housing provident funds can apply for personal housing provident fund loans in accordance with the relevant provisions of provident fund loans.

In 2012, some cities relaxed the conditions for provident fund loans. Among them, in 9 counties in Linyi City, Shandong Province, starting from June 1, 2012, the upper limit of housing provident fund loans will be increased from 200,000 yuan to 300,000 yuan.

Provident fund loans refer to personal housing provident fund loans. They are local housing provident fund management centers. They use the housing provident funds paid by employees who apply for provident fund loans to entrust commercial banks to provide loans to those who purchase, build, renovate, and overhaul self-occupied houses. House mortgage loans issued by housing provident fund depositors and retired employees who paid housing provident funds during their employment. Employees who have paid housing provident funds for a certain period of time or more according to regulations (the period in each city is different, such as more than 12 months in Changsha) can apply for provident fund loans when they have insufficient funds to purchase, build, renovate, or overhaul their own housing.

The conditions for the loan are: the unit’s current employees sign a labor contract for more than 3 years (or sign a 1-year labor contract for 3 consecutive years); pay the housing provident fund normally and continuously on a monthly basis for more than a certain period; do not exceed the legal limit Retirement age; the borrower has stable economic income and the ability to repay principal and interest; the borrower agrees to handle housing mortgage registration and insurance; provides a guarantee method agreed by the local housing fund management center and its affiliated center; and submits relevant documents required by the bank, such as House purchase contract or house pre-sale contract, house property ownership certificate, land use certificate, proof of provident fund deposit, etc.

How is the loan from Nanchang Changyao Company?

The loan from Nanchang Changyao Company is very good.

Nanchang Changyao company loan Internet information services, business agency services, bill information consulting services, corporate credit repair services, corporate credit reporting services, corporate credit investigation and evaluation, corporate credit management consulting services, corporate credit rating services, social economic consulting services , business management consulting, data processing and storage support services.

Objects and conditions for applying for provident fund loans in Nanchang

Objects and conditions for applying for provident fund loans in Nanchang

1. Where I or *** and the borrower apply in accordance with the " The Nanchang Housing Provident Fund Payment Management Measures stipulate that employees who have paid provident fund for more than half a year (including half a year) can apply for provident fund loans when they have insufficient funds to purchase, construct, renovate, or overhaul self-occupied housing in this city.

① Have a relatively stable income, good credit, and the ability to repay the principal and interest of the loan;

② The borrower or *** and the borrower have paid the Nanchang Housing Provident Fund payment according to the "Nanchang Housing Provident Fund" when applying for a provident fund loan. The housing provident fund has been paid in full for more than half a year (including half a year) continuously, and the housing provident fund in the account has not been withdrawn or used for the provident fund loan project applied for this time;

③ Provident fund loan is used for If you purchase a self-occupied house, you must have a legal house purchase contract or agreement; if you use it to build, renovate, or overhaul a self-occupied house, you must have approval documents from the relevant planning and land management departments;

④ Have compliance with regulations A certain percentage of down payment or own funds for the purchase, construction, renovation, or overhaul of houses;

⑤ Agree to provide guarantee according to the guarantee method approved by the management center.

What is the interest rate for the first second-hand house loan in Nanchang?

The first-time house loan in Nanchang carries a base interest rate of 1.1 times. The base interest rate is: 1. The base interest rate for commercial housing loans: (1) Loan 1 Within one year, the interest rate is 4.35; (2) For a loan of one to five years, the interest rate is 4.75; (3) For a loan of more than five years, the interest rate is 4.90. 2. The provident fund housing loan benchmark interest rate: (1) For a loan within five years, the interest rate is 2.75; (2) For loans of more than 5 years, the interest rate is 3.25; when a general user applies for a loan, the lending bank will set an appropriate mortgage interest rate based on the user's qualifications, credit and other factors. Things to note when applying for second-hand housing loans: When buying a house, you must look at the age of the house. Do not buy a house that is too old. You cannot get a loan for such a house. Banks have strict regulations on the age of second-hand houses. If the house is too old, the loan application is likely to be rejected by the bank. Pay attention to the location not being too remote. Home buyers generally try not to choose houses that are too remote. The location and area of ??the home purchased by home buyers will also affect bank loan approval to a certain extent.