1. How to borrow provident fund loans? What's the quota?

provident fund loan process: the provident fund center or the entrusted bank preliminarily examines the applicant; After the first trial is passed, the bank will invite the applicant for an interview; If the audit meets the requirements, the entrusted bank accepts the loan application. The loan amount is the minimum of these three calculations: the loan amount determined according to the borrower's repayment ability; The prescribed maximum amount of personal loans; The maximum loan amount for the purchase of commercial housing shall not exceed 8% of the total purchase price, and the loan amount for the purchase of second-hand housing shall not exceed 7% of the total purchase price.

provident fund loan process:

1. The provident fund center or the entrusted bank will initially examine the authenticity and compliance of the applicant's loan conditions, application materials, application amount and other contents.

2. After passing the preliminary examination, the bank will invite the applicant for an interview to further understand the loan purpose, repayment willingness and repayment ability of the applicant, and establish interview records.

3. If the audit meets the requirements, the entrusted bank will accept the loan application.

The loan amount is the minimum of the following three calculations:

1. The loan amount determined according to the borrower's repayment ability. The calculation formula is: the amount of housing provident fund paid by the borrower on a monthly basis ÷ the ratio of housing provident fund paid by the borrower × individual repayment ability coefficient (.45%)×12 (months )× actual loanable years. If both husband and wife have paid the common reserve fund and borrowed money together, the loan amount shall be the sum of the loan amounts calculated by both husband and wife respectively.

2. The specified maximum amount of personal loan. At present, the maximum loan limit for employees who have paid housing provident fund by one party is 3, yuan, and the maximum loan limit for employees who have paid housing provident fund by both husband and wife is 6, yuan.

3. The maximum loan amount for purchasing commercial housing shall not exceed 8% of the total purchase price, and for purchasing second-hand housing, the loan amount shall not exceed 7% of the total purchase price.

2. How much is the loan amount of the provident fund loan

25 times for the public, 4, for the individual and 8, for the husband and wife

According to the social security payment, the loan

1. The borrower needs to submit a written application to the bank to apply for the housing provident fund loan, fill in the application form for the housing provident fund loan and truthfully provide the following information:

(1) the applicant and his spouse's housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the resident identity card, permanent residence booklet and other valid residence documents) and the marital status certificate;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(4) valid certificates such as contracts and agreements for housing purchase

(5) the mortgage used as a guarantee, the certificate that the person who has the right to dispose of it agrees to mortgage and pledge, and the mortgage appraisal certificate issued by the relevant departments;

(6) the provident fund center requires that the guarantee fee be paid by the borrower, the lender and the third-party guarantor * * * to sign a tripartite contract.

(VII) The loan application required by the Provident Fund Center

2. The bank accepts and examines the loan application with complete information in time and submits it to the Provident Fund Center in time.

3. The provident fund center is responsible for approving loans and communicating the approval results to the bank in time. 4. According to the results approved by the provident fund center, the payer and the husband and wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted loan fund will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the borrower goes to the house property management department in the area where the house is located and the agreement is signed by both husband and wife, and the securities are pledged, the borrower will hand over the securities to the management.

Housing provident fund loans refer to housing mortgage loans granted by local housing provident fund management centers to retired employees who have paid housing provident fund during their employment by entrusting commercial banks. Housing accumulation fund refers to the long-term housing savings paid by employees of state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises. The housing provident fund paid by employees and the housing provident fund paid by the employees' unit for employees are the personal savings for the consumption expenditure of vocational housing, which belongs to the individual employees. When the employee retires, the balance of principal and interest will be paid in one lump sum and returned to the employee himself.

III. How to borrow the housing provident fund How much can I borrow

(1) The loanable amount

The maximum amount of individual housing loans for housing provident fund is 4, yuan, and the loanable amount of individuals is 25 times the balance of the housing provident fund account;

if the husband and wife participate in the loan, the loanable amount of the employees and their spouses shall be calculated by adding the loanable amount of the individuals, and the total amount of individual housing loans for a single housing accumulation fund shall not exceed 2 times of the maximum amount of individuals.

(II) Loan percentage

If the employee's family purchases the first house, the maximum loan percentage of the individual housing loan of the housing provident fund is 8% of the value of the house purchased;

if the employee's family is paid to buy a second house, the maximum loan percentage of the housing provident fund personal housing loan is 6% of the value of the house purchased.

(III) Provisions on other quotas

1. The first set of second-hand housing purchased by employees' families is paid, and the maximum loanable amount is 8% of the lower value of the purchased second-hand housing evaluation value and the transaction amount filed by the real estate registration agency;

The maximum loanable amount of the second-hand housing purchased by the employee's family is 6% of the lower value of the appraised value of the purchased second-hand housing and the transaction amount filed by the real estate registration agency;

the amount of the first-hand housing replacement loan shall not exceed the remaining principal balance of the original loan at the time of application; Second-hand housing replacement loans should be in line with the provisions of the loanable amount of first-hand housing replacement loans and second-hand housing mortgage loans.

2. The monthly debt paid into the employee's family shall not exceed 5% of the family's monthly income.