Subjective law: provident fund loans do not require the age of first-hand houses, but require the age of second-hand houses. The specific requirements are as follows: 1, the age of second-hand houses is less than 5 years (inclusive), and the longest provident fund loan is not more than 30 years; 2. The age of the second-hand house is 6 years to 19, and the longest term of the provident fund loan shall not exceed the difference between 35 years and the age of the house; 3. If the age of the second-hand house exceeds 20 years (inclusive), the longest term of the provident fund loan shall not exceed 15 years. Generally, banks stipulate that the service life of the house applying for a loan should be within 15 years, and the loan amount generally ranges from 50% to 80% of the real estate assessment amount, mainly depending on your personal credit situation. "Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Legal objectivity: Article 3 of the Regulations on the Management of Housing Provident Funds The housing provident fund paid by individual employees and the housing provident fund paid for employees by their units belong to individual employees. Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision. Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.
Second, the man 53 woman 50 provident fund loans in 2008, the house can be loaned 10.
The loan amount of housing provident fund can only be determined by comprehensive calculation.
The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
The calculation method is as follows:
According to the repayment ability calculation formula, {(total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month), {(total monthly salary of both husband and wife, monthly contribution of the housing provident fund of both husband and wife's work units )× repayment ability coefficient-total monthly repayment amount of both husband and wife's existing loan }× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);
According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;
According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the housing provident fund account balance when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it is the sum of the employee's and spouse's housing provident fund account balances), and if the housing provident fund account balance is less than 20,000, it shall be calculated as 20,000;
According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 700,000 yuan.
3. How many years can I borrow the 87-year provident fund loan for my husband's house in Baoshan District, Shanghai?
Loan life plus house age: brick-concrete structure and steel-concrete structure shall not exceed 47 years.
4.08 How many years can the housing age provident fund be loaned?
In 2008, I can borrow it for a few years. Is this house a second-hand house?
The longest loan period of provident fund generally does not exceed the period from the date of loan to retirement age.
1. Individual housing provident fund loans shall not exceed 30 years at the longest.
2. If the individual housing accumulation fund is a second-hand house, the longest loan period shall not exceed 10 year.
3. If the applicant is about to retire, the loan period can be appropriately extended 1 to 3 years according to his repayment ability.