On June 1 day, Dongying Housing Provident Fund Management Center of Shandong Province issued the Notice on Adjusting the Policy of Using Housing Provident Fund (hereinafter referred to as the Notice), and adjusted the relevant policies in order to further play the role of housing provident fund in housing security and promote the stable and healthy development of the city's real estate market.

The Notice clearly stipulates that the loan amount will be adjusted from June 2022 1. If an employee's family purchases the first set of self-occupied housing and has no record of housing provident fund loans, the loan amount will be adjusted from the maximum deposit of 300,000 yuan by one person to 400,000 yuan, and the maximum deposit of 500,000 yuan by two people will be adjusted to 600,000 yuan.

At the same time, adjust the calculation coefficient of loan amount. The calculation formula of loan amount is adjusted from 65438+ 0.5 times of monthly deposit × remaining working months to 2 times.

In terms of renting, adjust the amount and method of renting. According to the notice, for the fixed withdrawal of leased commercial housing, the total withdrawal amount of employees and spouses is adjusted from 1.300 yuan/month to 1.500 yuan/month, and the withdrawal can be made once or more every month during the year.

Interpretation of Dongying Housing Provident Fund Annual Report 202 1 shows that Dongying City withdrew 787 1 billion yuan of housing provident fund in 20021year, down 2.63% year-on-year. The annual withdrawal amount is calculated according to the number of withdrawals in the current year, with a per capita of 39,700 yuan. From the perspective of extraction classification, housing consumption extraction accounts for 89.72%, and non-housing consumption extraction accounts for 10.28%, which reflects the important role of housing provident fund in supporting paid employees to buy houses.

The above report pointed out that due to the influence of the state's regulation of the real estate market, we should effectively protect the just-needed housing and support the needs of low-and middle-income groups. 202 1, the loan amount increased substantially. In the whole year, 7400 individual housing loans were issued, totaling 2.62 billion yuan, up by 326.5438% and 553.5438% respectively.

At the same time, vigorously support the first set of loans to buy a house and two sets of improved housing. Among the employees who applied for housing provident fund loans in 20021year, 83.5 1% applied for loans for the first time, and 16.49% applied for loans for the second time and above. Among the loan households, 6.53% have a building area of less than 90 square meters, 44.02% have a building area of 90- 144 square meters, and 49.45% have a building area of more than 144 square meters.

2. What is the current interest rate of the first-home housing provident fund loan in Dongying, Shandong?

Interest rates vary from 4.0 to 4.5 depending on the loan period. Specifically, you can see Dongying Housing Provident Fund Network. Now the amount of Dongying Housing Provident Fund and related contents are being adjusted. If it is useful to you, I hope to adopt it.

3. What is the interest rate of buying a house in Shandong in 2020?

The benchmark interest rate of commercial loans is: 4.35% within one year (inclusive), 4.75% within one to five years (inclusive) and 4.90% over five years; The interest rate of provident fund loans is: 2.75% for less than five years (inclusive) and 3.25% for more than five years. In 2020, the mortgage interest rate will fluctuate on the basis of the benchmark interest rate, and the interest rate of the first home commercial loan will generally rise by 5%-20%. The first home provident fund loan will be implemented in strict accordance with the benchmark interest rate.

The interest rate of second-home commercial loans generally rises on the basis of the benchmark interest rate 10%-30%, and the interest rate of second-home provident fund loans rises 10%.

I. Materials to be prepared for handling the house purchase loan business:

(1) provident fund loan: identity certificate of the lender and spouse, borrower and marriage certificate; Borrower's (husband and wife's) bank card; Purchase contract or agreement.

(2) Portfolio loan: identity certificate of the lender and spouse, borrower and marriage certificate; Borrower's (husband and wife's) bank card; Proof of professional income of the borrower and * * * the same borrower; Purchase contract or agreement.

(3) Commercial loans: proof of identity and marriage relationship of the lender, spouse and borrower; Proof of professional income of the borrower and the same borrower; Purchase contract or agreement.

Two. The process and procedure of mortgage loan are as follows: 1.

The borrower applies for a loan from the loan bank.

2. After the approval of the loan bank, the loan letter of intent will be issued, and the borrower will receive and fill in the loan form.

3. The borrower who borrows money to buy a house sells it with the loan letter of intent, and the unit under construction signs a house purchase contract or agreement.

4. The borrower signs a mortgage contract with the loan bank and deposits the self-raised funds into the loan bank.

5. When the borrower handles the real estate mortgage, he should go to the property right department to handle the Property Ownership Certificate and the Confirmation of Real Estate Mortgage.

6. For the house purchase loan, the loan bank will transfer the loan together with the borrower's down payment to the account of the house selling unit.

7. After the loan is issued, the borrower shall repay the bank loan on a monthly basis.

Third, the mortgage repayment method

1, Equal principal and interest repayment method Equal principal and interest repayment method is to evenly distribute the total amount of increased loan principal and interest to the amount to be repaid every month, and the monthly payment is equal, but the principal in the monthly payment increases month by month and the interest decreases month by month. This repayment method, with decreasing interest month by month, seems to be more cost-effective. In fact, the monthly interest adds up, and the total amount is still relatively large. Matching principal and interest repayment method, with the same monthly repayment amount, is more suitable for workers with stable income, such as employees of some enterprises and institutions.

2. average capital Repayment Method average capital Repayment Method is to allocate the loan principal to each month, the monthly payment is gradually reduced, the principal amount is unchanged, and the interest decreases month by month with the increase of repayment amount, but the interest in the early stage will be more.

Therefore, if you choose this repayment method, the repayment pressure in the early stage will be greater and it will be easier in the later stage. Compared with the repayment method of equal principal and interest, the overall repayment interest is lower and the repayment burden is not so heavy, but the repayment pressure in previous periods will be greater. Senior executives, gold collars, returnees and other people with higher wages are suitable for this repayment method.

4. What is the maximum loan for personal provident fund loan now?

If you want to apply for housing provident fund loans in China Merchants Bank, due to the different policies in different cities, it is recommended that you contact the local handling outlets or provident fund management centers by telephone to confirm whether there is provident fund loan business and related regulations (such as application conditions, audit standards, real estate requirements, amount and duration, etc.). ) In your local area.