Legal analysis: According to the regulations of Tianjin Housing Provident Fund Management Center:
1, maximum amount of provident fund loan:
The maximum amount of application for provident fund loans is 600,000 yuan; At the same time, if the spouse housing provident fund is used to apply for provident fund loans, the maximum loan amount is 800,000 yuan. Compared with the original policy, the maximum loan amount is no longer affected by whether to pay back the housing provident fund or issue monthly housing subsidies.
2. The longest term of provident fund loans:
Purchase of commercial housing, price-limited commercial housing, targeted sales (resettlement) of affordable housing provident fund loans for up to 30 years.
The longest loan period for purchasing private housing provident fund is 20 years.
The determination of the loan term is also limited by the age of the borrower. The policy stipulates that the sum of the borrower's age and the loan term shall not exceed 5 years after the statutory retirement age. The legal retirement age is generally calculated according to the age of 55 for women and 60 for men; Unless otherwise stipulated by the state, the retirement age shall be implemented according to its provisions, but the maximum retirement age shall not exceed 65 years old.
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-seventh applicants for housing provident fund loans shall provide guarantees.
Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others.
Article 29 The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used for establishing the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.
Tianjin provident fund loan amount
1. The maximum loan limit of Tianjin Provident Fund is 700,000.
The calculation of the loan amount of housing provident fund shall be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount. The minimum value calculated according to the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:
(1) The loan amount is calculated according to the repayment ability.
The calculation formula of employee's own loan amount is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
The calculation formula for the loan amount of both husband and wife is:
[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).
Among them, the repayment ability coefficient is 40%.
Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).
(2) The loan amount is calculated according to the house price.
The calculation formula is: loan amount = house price × loan ratio.
1, purchase of commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sale of affordable housing or private housing.
Workers' families (including employees, spouses and minor children, the same below) purchase the first set of housing (including commercial housing, price-limited commercial housing, targeted placement of affordable housing, targeted sales of affordable housing or private housing) with a construction area of less than 90 square meters (including 90 square meters), and the loan amount does not exceed 80% of the purchased housing price; The construction area of the purchased house exceeds 90 square meters, and the loan amount does not exceed 70% of the purchase price of the house. Among them, the housing price of private houses is the lower value of the total purchase price and the housing evaluation price.
Tianjin second-home provident fund loan amount
At present, the upper limit for Tianjin to apply for a second-home provident fund loan is 400,000.
1. For the second suite, the conditions and restrictions of provident fund loans are very important. First of all, it should be noted that if the borrower uses the provident fund loan to purchase the 1 suite and pay off the loan, he cannot use the provident fund to make the loan and repay the mortgage when purchasing the second house.
2. If the first suite is bought with a commercial loan and has a mortgage, the second suite can use a provident fund loan, and the down payment is calculated according to the second suite, that is, the down payment is 50% lower and the interest rate is 10%.
3. If the first home loan has been paid off, whether it is a commercial loan or a provident fund loan, you can use the provident fund loan to buy a second home. The relevant regulations are naturally calculated according to the second home. For some places, the policy of reducing the down payment of the second suite of provident fund loans by 20% has been implemented.
4. In order to further improve the housing provident fund personal housing loan policy and support the reasonable housing needs of paid employees, the down payment ratio will be reduced from 30% to 20% for families who own a house and have settled the corresponding housing loans and apply for housing provident fund entrusted loans again to improve their living conditions.
How much can Tianjin housing provident fund borrow at most?
The loan amount of individual housing provident fund in Tianjin should be determined according to four conditions: repayment ability, the proportion of housing price, the multiple of the balance stored in the housing provident fund account and the maximum loan amount. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower.
For details, please consult the local branch of Bank of China or the provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of Tianjin provident fund loan quota inquiry and provident fund loan balance inquiry. I wonder if you found the information you need from it?