Xi An Housing Provident Fund Loan Bank Annual Interest

1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million;

2. The specific loanable amount is comprehensively determined according to the deposit of employee housing provident fund and the loanable amount standard of housing provident fund loans, the status and price of purchased housing, individual repayment ability and credit status;

3. If the amount of employee housing provident fund loans is insufficient, they can apply for loans under the sun, and the methods and repayment methods in the portfolio loans should be consistent with the provident fund loans;

4. When using the employee housing provident fund, the average monthly balance of the employee housing provident fund account is 15 times, and the calculation result is rounded to thousands. If the calculation result is higher than 500,000 yuan, it is determined to be 500,000 yuan, which is low. The average monthly balance of employee housing provident fund account is the average monthly balance of employee housing provident fund account (excluding one-time payment for nearly 12 months), and less than 12 months,

The provident fund loan process is as follows:

1. The borrower submits personal application materials in the entrusted bank window of the loan service hall; The specific materials are as follows:

(1) The original and photocopy of the resident ID card and household registration book of the borrower Gao Yu and the guarantor, and the repayment commitment letter;

(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);

(3) Legal commercial housing purchase contract or agreement;

(4) Personal credit certificate provided by the borrower and the borrower's unit.

2. Accepted by the entrusted bank,

3, the center for examination and approval;

4, the guarantee company to handle the guarantee procedures, and

5. The borrower shall go to the bank with the letter of guarantee.

6. The borrower handles the entrusted notarization.

7. The Center approves the issuance;

8. The entrusted bank issues loans.

Legal basis: Article 3 of the Regulations on the Administration of Housing Provident Fund.

The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.

Article 16

The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the proportion of the employee's previous deposit.

Article 17

The new employee starts to pay the housing provident fund from the second month after joining the work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio.

The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.

2. What is the loan amount of housing provident fund in 2.Xi, and is there any limit on the loan period?

As the loan period of housing provident fund is influenced by many factors, the loan period of housing provident fund can only be determined according to the type of housing, the age of the applicant and the type of loan, which is divided into the following categories:

First, if the housing provident fund loan is used to purchase ordinary commodity housing, price-limited commodity housing and targeted sales (resettlement) affordable housing, the general loan period shall not exceed 30 years; The purchase of private housing shall not exceed 20 years at the longest; The period of purchasing public housing property rights or building, renovating or overhauling self-owned housing shall not exceed 10 years.

Second, the loan period of housing provident fund is not only related to the object of purchase, but also related to the applicant's own age. Most places stipulate that the sum of the borrower's age and the loan period 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.

Third, the loan period of housing provident fund is also closely related to the loan type. If the applicant's loan type is a combination loan model of "commercial bank loan housing provident fund loan", then the loan period of both must be the same, that is to say, the loan period of housing provident fund at this time is generally not more than 20 years.

However, there are differences in provident fund policies in different places, and the policies of provident fund management centers in different places shall prevail.

Three. Xi' an provident fund loan amount

The maximum loan amount of Xi 'an provident fund shall not exceed 500,000 yuan. When applying for Xi housing provident fund loan, the deposit place is Xi housing provident fund, and the individual housing provident fund deposit account has been paid in full for more than 12 months continuously, and the deposit account is in a normal state; The account balance determines the maximum loan amount, and the monthly repayment amount does not exceed 50% of the family's monthly salary income. Comprehensive approval of credit report is also required: 1. If the total balance of the deposit account of the borrower and spouse is less than 5,000 yuan, the maximum loan amount shall not exceed 200,000 yuan; 2. If the total balance of the deposit account of the borrower and spouse exceeds 5,000 yuan but is less than 1 0,000 yuan, the maximum loan amount shall not exceed 250,000 yuan; 3. If the total balance of the deposit account of the borrower and spouse exceeds 6,543,800 yuan but less than 20,000 yuan, the maximum loan amount shall not exceed 300,000 yuan; 4. If the time of deposit in other places and the time of deposit in Xi are not exceeded, the time and balance can be accumulated, only the accumulated balance. When the employee issues a copy of the transfer form, the balance transferred from different places in the provident fund deposit system must be displayed as "external transfer". "Regulations on the Management of Housing Provident Fund" Article 12 The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund; The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

4. What is the maximum personal amount of 4.Xi 'an Provident Fund?

The maximum amount of single deposit employee loans shall not exceed 650,000 yuan, and the maximum amount of double deposit employee loans shall not exceed 850,000 yuan.

The monthly repayment of loan principal and interest of individual housing provident fund loans shall not exceed 50% of the sum of the deposit bases of borrowers and spouses. If the borrower's spouse fails to pay the provident fund, it shall be calculated according to his monthly income, and a bank statement or tax payment certificate that can prove the effective income shall be provided.

Double-paid employees refer to employees whose married couples pay the housing provident fund in time, continuously and in full.

Single-paid employees refer to employees who are unmarried, divorced, unmarried or married, but their spouses have not paid or paid the housing provident fund in time, continuously and in full.