1. What are the conditions for applying for a provident fund loan in Tangshan? What is the maximum amount?

Maximum provident fund loan limit: If you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan. If a couple takes a housing provident fund loan, the maximum loan limit is 600,000 yuan. The provident fund loan term is up to 30 years. The basic conditions for Tangshan housing provident fund loans are as follows:

1. Have a permanent residence in this city or other valid residence status, and have full capacity for civil conduct;

2. Have signed a legal and valid contract A house purchase contract or agreement, and pay the first installment of the house purchase in accordance with the prescribed proportion;

3. Have a stable career and income, and the ability to repay the principal and interest of the loan on time;

4. Apply The housing provident fund must be paid in full in the first 6 months before the loan is taken;

5. Good personal credit. In the personal credit report, the maximum number of overdue periods for personal loans in the two years prior to the time of loan application shall not exceed 3 periods (inclusive), and the cumulative number of overdue periods shall not exceed 6 times (inclusive). Overdue periods due to bank management and other non-borrower reasons are not included in the calculation.

6. There are no other large debts that may affect the ability to repay the loan;

7. Repay various housing loans including the personal housing provident fund loan to be applied for The monthly expenditure shall not be higher than 50% of the monthly household income, and the monthly household income, after deducting the monthly loan repayment expenditure, shall not be lower than the city’s minimum living security standard;

8. Required by laws and regulations Other conditions.

2. Tangshan Provident Fund Loan New Policy 2022

The Tangshan Provident Fund Loan New Policy in 2022 proposes to increase the maximum amount of provident fund loans. The maximum amount of individual housing loans for single and double-paying employee families’ housing provident funds is RMB 600,000 is adjusted to RMB 800,000; if you purchase a new passive ultra-low energy consumption home with a two-star or above green building standard for self-occupation, the loan limit will increase by 20%, with the maximum loan limit being RMB 960,000. At the same time, the new policy stipulates that the maximum loan limit for Tangshan Phoenix talents is 1 million yuan; the maximum loan limit for high-end innovative talents introduced in the Caofeidian area of ??China (Hebei) Pilot Free Trade Zone is in accordance with the original policy regulations, and the maximum loan limit is 1.2 million yuan . In addition, it is worth mentioning that the New Deal has also lowered the down payment ratio for second homes. If employees purchase a second self-occupied house, the minimum down payment ratio is adjusted from the original no less than 60% to no less than 30%. The loan interest rate is 1.1 times the first housing provident fund personal loan interest rate announced by the People's Bank of China for the same period; for those purchasing the first self-occupied house, a down payment ratio of no less than 30% is still required. The Tangshan Provident Fund plays an increasingly important role around us. When the amount of the Provident Fund reaches a certain level, as long as the payer meets the corresponding conditions, the Tangshan Provident Fund loan can be used to purchase a house, repay the loan and other matters. 1. A natural person who is over 18 years old and has full capacity for civil conduct; 2. At least one of the borrower or his spouse pays the housing provident fund in our center, or pays the housing provident fund in other centers approved by the center; 3. The borrower or his/her spouse At least one spouse must have paid the housing provident fund in full and continuously for one year; 4. The house purchased is a commercial house, an affordable house, or an existing house (second-hand house) with legal procedures and clear property rights within the administrative region of this city, and it is not included in the announcement, Within the scope of judicial freezing or sealing and dilapidated houses, the owner of the purchased house is the property owner; 5. Has a stable income, good credit, and the ability to repay the principal and interest of the loan on time; 6. Purchases a legal self-occupied house and has signed a formal housing contract The sales contract has been authenticated by the real estate transaction department; 7. The down payment for the house purchase meets the prescribed ratio; 8. Agree to use the purchased house as a mortgage or provide guarantee according to the guarantee method approved by the center; 9. Other conditions stipulated by the center. Conditions for determining repayment ability: monthly income = monthly housing provident fund deposit amount ÷ (unit contribution ratio and individual contribution ratio). The repayment ability shall not exceed 60% of the borrower's (and spouse's) monthly income. Legal basis: Article 11 of the "Interim Measures for the Administration of Personal Loans" Personal loan applications shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations; (2) The purpose of the loan is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no major bad credit record; (6) Other conditions required by the lender.

3. What are the conditions for applying for provident fund loans in Tangshan and what is the maximum amount?

Compared with commercial loans, provident fund loans have the advantages of low interest rates and low repayments. They are limited by the limited savings on hand when buying a house. the favor of the reader. However, the specific regulations on aspects such as provident fund loan applicant conditions and loan amounts are not very clear. The editor of Tangrenju has sorted out the basic matters that need to be paid attention to when applying for provident fund, hoping to help netizens.