1. What is the loan base of Zhengzhou Provident Fund?

firstly, increase the tax payment period of the provident fund, which used to be used after six months. If it is extended appropriately, it will be used after one year.

secondly, reduce the loan limit of provident fund in non-Zhengzhou urban areas, such as Nanlonghu, Lubo and Xingyang.

thirdly, reduce the proportion of provident fund loans, and the first set of Zhengzhou provident fund can still be loaned by 7%. The maximum for both husband and wife is 8w. The maximum single person is 6w. The second set of local provident fund in different places is adjusted to 4%.

The monthly repayment amount is reduced from 6% of the original household income to 5%.

II. Requirements for loan base of housing provident fund

The deposit base of housing provident fund has nothing to do with loans, but with the deposit time of housing provident fund, and the account balance of housing provident fund is also related to the loanable amount. Taking Zhengzhou as an example, according to Article 2 of the Instructions for Housing Provident Fund Loans issued by Zhengzhou Housing Provident Fund Center, loan conditions 1. The borrower and his spouse have valid identification; 2. The specified down payment has been paid, and the down payment loan amount = the total house price, and the house payment has not been paid; 3. The borrower has paid the housing provident fund continuously, on time and in full for more than 6 months (inclusive) after opening the deposit account, and has not paid it for more than 4 months recently; 4, the family income is stable, good reputation, the ability to repay the loan principal and interest; 5. Agree to provide the loan guarantee method approved by the Housing Provident Fund Management Center; 6. The borrower and spouse have no outstanding housing provident fund loans or large debts. Extended information: loan amount in Paragraph 2 of Article 4 of Notes on Housing Provident Fund Loans. The loan amount is also determined according to the following three conditions: 1. The loan amount does not exceed the corresponding maximum limit. If both husband and wife have paid the housing provident fund in Zhengzhou city (including counties and districts, excluding industrial systems) for more than 6 months, purchased housing in Zhengzhou city (including counties and districts) and applied for provident fund loans for the first time, the loan amount shall not exceed 6, yuan; In other cases, the loan amount applied for loans shall not exceed 4, yuan. 2. The loan amount shall not exceed the prescribed multiple of the deposit balance. That is, the amount of a single loan is determined according to the balance of the deposit account and the deposit time of the housing provident fund. The calculation formula is as follows: loan amount ≤ deposit account balance ×(14 years of deposit). 3. The monthly repayment amount of the loan shall not exceed 6% of the sum of the income of the borrower and spouse, and the corresponding loan amount shall be reduced if it exceeds.

third, the provident fund loan base formula?

1. The calculation formula of provident fund loan based on repayment ability is:

loan amount = [(total monthly salary of the borrower or husband and wife, monthly contribution of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 4%- monthly repayment amount of the existing loan of the borrower or husband and wife ]×12 (month )× loan period.

where the total monthly salary = monthly contribution of provident fund/(unit contribution ratio and individual contribution ratio);

2. The calculation formula of provident fund loan based on house price is:

loan amount = house price × loan ratio. Among them, the loan ratio is determined according to different types. Generally speaking, if the construction area of the house is more than 9 square meters, the loan amount shall not exceed 7% of the purchase price; If the building area is less than 9 square meters, the loan amount shall not exceed 8% of the purchased loan.

3. Calculated according to the maximum loan amount:

If you use my housing provident fund to apply for a loan provident fund loan and meet the application conditions, the maximum loan amount is 5, yuan; At the same time, if the spouse housing provident fund is used to apply for a loan, and the loan application conditions are met, the maximum loan amount is 7, yuan.

4. The formula for calculating the provident fund loan based on the balance of the provident fund account is:

the amount of provident fund loan = the balance of the provident fund account of the borrower and the borrower ×2

4. The benchmark for housing provident fund loan

Hello, if China Merchants Bank handles loans, the loan amount is stipulated as follows:

1. Purchase of ordinary commodity housing, affordable housing, employee housing and second-hand housing raised by funds are in line with the provident fund. (At present, our bank does not accept the second-hand housing provident fund loan business)

2. For the purchase of hardcover houses or houses that are obviously higher than the average market price, the loan amount shall not exceed 6% of the total price of the purchased houses;

3. If securities are used, the loan amount shall not exceed 9% of the par value of securities (RMB); () 8% of the face value.

4. for the construction, renovation and overhaul of owner-occupied housing, the loan amount shall not exceed 6% of the expenses required for the construction, renovation and overhaul of housing. (At present, Shaanxi Province and Xi 'an Provident Fund Center will not accept this business for the time being)

5. The housing provident fund loan in Xi 'an can be up to 7, yuan, but all loans exceeding 4, yuan need special approval, and customers need to provide more credit certificates, and the approval authority of the provident fund office is higher (signed by the director), which may delay for a longer time.

6. It shall not exceed 7% of the total house purchase price.

You can apply to the Comprehensive Credit Center of China Merchants Bank Xi 'an Branch.

if you have any other questions, please visit the online customer service (website: /cmu/icslogin.aspx? from=B& Logincmu=), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!