The opinion draft shows that families who apply for housing provident fund loans for the second time can apply for housing provident fund loans after the first housing provident fund loans are settled.
The document proposes to adjust the loan amount. Apply for housing provident fund personal housing loan for the first time: pay housing provident fund unilaterally, and the maximum loan amount for each household shall not exceed 400,000 yuan; Both parties shall deposit the housing accumulation fund, and the maximum loan amount for each household shall not exceed 700,000 yuan.
Second application for housing provident fund personal housing loan: the housing provident fund is paid unilaterally, and the maximum loan amount per household does not exceed 300,000 yuan; Both parties shall deposit the housing accumulation fund, and the maximum loan amount for each household shall not exceed 600,000 yuan.
According to the Notice of Zhanjiang Housing Provident Fund Management Committee on Relevant Issues Concerning the Adjustment of Housing Provident Fund Individual Housing Loan Policy issued by Zhanjiang Housing Provident Fund Management Center on May 23rd, the housing provident fund is paid unilaterally, and the maximum loan amount for each household does not exceed 300,000 yuan; Both parties shall deposit the housing accumulation fund, and the maximum loan amount for each household shall not exceed 600,000 yuan. Second application for housing provident fund personal housing loan: the housing provident fund is paid unilaterally, and the maximum loan amount per household does not exceed 250,000 yuan; Both parties shall deposit the housing accumulation fund, and the maximum loan amount for each household shall not exceed 500,000 yuan.
The maximum loan amount is related to the deposit balance and the deposit period of the housing provident fund, and the specific calculation method is as follows:
Loan amount A= balance of housing provident fund application date ×6 (balance of application date, including the down payment of housing provident fund when the house is delivered).
Loan amount B= loan amount for each deposit period (see the table below)
Unilateral deposit: the maximum value of loan amount A and loan amount B is the maximum loan amount paid unilaterally, but the maximum loan amount per household for the first loan does not exceed 400,000 yuan, and the maximum loan amount per household for the second loan does not exceed 300,000 yuan.
Both parties' deposits: the sum of loan amounts calculated by unilateral deposits is the maximum loan amount paid by both parties, but the maximum loan amount per household for the first loan does not exceed 700,000 yuan, and the maximum loan amount per household for the second loan does not exceed 600,000 yuan.