1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

What are the provident fund housing policies?

In order to improve their living environment, many people often consider buying a house to improve their quality of life. Among them, employees can use the provident fund to buy a house. What is the policy of buying a house with provident fund? Many property buyers know little about this, let's take a look!

First, the first suite belongs to the general room, the construction area is less than 90 square meters, and the down payment shall not be less than 20% of the house price. Over 90 square meters, not less than 30% of the house price, and the down payment for the second suite is not less than 60% of the house price. Second, individuals can borrow up to 400,000 yuan. If both husband and wife have provident fund, they can borrow up to 600 thousand. If there is a supplementary provident fund, the amount will be 654.38+10,000 yuan. Third, as long as the previous provident fund loans are paid off, the second set of loans can be implemented according to the standards of the first suite, and the third set of loans is not supported.

If you use the provident fund, buy the first suite under your name, which is an ordinary house. If the construction area exceeds 90 square meters, the down payment shall not be less than 30% of the feedback. If it is less than 90 square meters, the minimum down payment shall be calculated at 20% of the house price. If you purchase the second suite under your name, it shall be implemented according to the second suite provident fund loan standard. The down payment should be at least 60% of the house price, and the interest rate should be raised 1. 1 times on the basis of the original house.

If you use the provident fund to buy a house, the individual can borrow up to 400 thousand. If a family buys a house and both husband and wife pay the provident fund, the maximum loan can be 600 thousand. If there is a supplementary provident fund, the loan amount will be increased by100000 yuan. In addition, if the family has applied for a provident fund housing loan before, no matter which party, as long as the previous loan has not been settled, it is not eligible to apply for a provident fund loan for the second suite. After the previous mortgage record is paid off, you can apply for the provident fund loan for the second suite, which is implemented according to the first suite.

In addition, in the provident fund housing policy, people who buy houses for the first time and people who buy second suites in order to improve their living environment are more inclined. Not only the minimum down payment is 20%, but also the balance of personal account has no effect on the loan amount. At the same time, the policies of purchasing houses by provident funds vary from place to place. According to local housing prices, per capita housing level and other factors, adjust the corresponding coefficient ratio and suspend the three-suite loan, which means that buyers can only buy two suites at most when using provident fund loans.

I hope the above answers are helpful to you.

What are the latest second-home provident fund loan policies?

20 16 the latest policy of second-home loan was announced: the minimum down payment ratio was adjusted to not less than 40%. The Ministry of Housing and Urban-Rural Development of the People's Bank of China and the China Banking Regulatory Commission issued a notice on reducing the down payment ratio of personal provident fund to purchase second-home loans.

The minimum down payment ratio for purchasing the first home loan is 20%.

The paid employee families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.

The down payment ratio for buying a second home loan dropped to 40%

For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%. Before the adjustment, the down payment ratio of the second suite was 60%, and that of the north, Guangzhou and Shenzhen was 70%.

① Before that, the down payment ratio of the second suite was 60%, and that of the second suite in Beishangguangshen and Shenzhen was 70%.

② Previous housing provident fund loan policies: if the first set of ordinary self-occupied housing loans is less than 90 square meters, the minimum down payment ratio is 20%; The minimum down payment ratio of more than 90 square meters is 30%.

New provident fund policy in 2023

On the Optimization and Adjustment of Housing Provident Fund Management Policy

notification

The majority of housing provident fund depositors:

In order to better protect the demand for housing funds paid by employees' provident fund and help the real estate market run smoothly, the following seven housing provident fund management policies have been optimized and adjusted by the Municipal Provident Fund Management Committee and reported to the Provincial Housing and Construction Department for approval:

First, increase the loan amount.

The upper limit of the loan amount was increased by 654.38 million yuan, and the maximum loan amount was increased to 600,000 yuan. The policy is valid until 65438+February 3, 20231.

Second, reduce the down payment ratio of loans.

1. Reduce the minimum down payment ratio of the first suite from the current 30% to 20%.

2. The influence of the cancelled purchase area (144m2) and the construction period of the stock house (10 year) on the down payment ratio.

Implement a unified standard: the down payment ratio of the first suite is not less than 20%, and the down payment ratio of the second suite is not less than 30%.

Three, cancel the provisions of the frozen account balance.

Cancel the stipulation of freezing employee account balance: employees are no longer required to keep account balance when applying for housing provident fund loans; The remaining balance in the employee's account that has obtained the loan can be used to hedge the principal of the provident fund or to withdraw the loan to repay the commercial housing. The existing multi-storey residence is equipped with elevators.

Four, adjust the loan principal and interest extraction policy.

The current policy that "if there are outstanding provident fund loans, the balance of provident fund in employees' and their spouses' accounts can only be used to offset the principal and interest of loans" is adjusted to "if there are outstanding provident fund loans and the repayment is normal, employees and their spouses can withdraw the balance of provident fund accounts to hedge the principal of provident fund loans or withdraw commercial housing loans and install elevators in existing multi-storey houses". Where the principal and interest of commercial housing loans are withdrawn, the accumulated withdrawal amount of employees, spouses and co-borrower (the borrower) shall not exceed the amount of the loan principal and interest repaid by the borrower.

Five, extend the housing provident fund loan period

The current provident fund loan period does not exceed 30 years, and the remaining years of the borrower from the statutory retirement age are adjusted as follows: the provident fund loan period does not exceed 30 years, and the loan maturity date does not exceed 5 years after the borrower's statutory retirement time.

Sixth, cancel the policy of extracting serious illness.

The current policy of serious illness extraction in our city is beyond the scope of housing provident fund extraction stipulated in the State Council's Regulations on Housing Provident Fund Management and the Housing Provident Fund Extraction Business Standard of the Ministry of Housing and Urban-Rural Development. According to the "Notice of the Provincial Department of Housing and Urban-Rural Development on Self-examination and Self-correction of Housing Provident Fund Policy Adjustment", the withdrawal policy is cancelled.

Seven, adjust the family extraction policy.

The current family relationship withdrawal policy in our city is that employees and their spouses, parents and children (referred to as family members) can withdraw their housing provident fund at one time within 1 year after obtaining valid purchase vouchers (borrowers and spouses who have used housing provident fund loans among family members cannot withdraw), and family members other than spouses cannot apply for housing provident fund loans after withdrawal according to this policy. Adjusted to: "When a purchaser purchases the first self-occupied house, he can withdraw the housing provident fund of the purchaser's parents and children in one lump sum within 1 year after obtaining a valid purchase certificate (the borrower and spouse who have used the housing provident fund loan among the parents and children cannot withdraw it), and parents and children cannot apply for housing provident fund loans after withdrawing this house according to this policy".

This policy adjustment will be implemented from June 65438+ 10/day, 2023.

Weifang housing fund management center

65438+February 26, 2022

This is the end of the latest housing provident fund loan policy and new provident fund regulations in 2022. I wonder if you have found the information you need?