1. Provident fund loan policy for Shenyang first home in 2021?

If the applicant pays the housing provident fund, the maximum loan limit is 400,000 yuan; if both the applicant and *** pay the housing provident fund, the maximum loan limit is 600,000 yuan; if there are more than three family members ***

The maximum limit for loan application is 800,000 yuan.

The maximum loan limit in suburban counties is implemented in accordance with regulations: the applicant from the Liaozhong, Xinmin, Kangping, and Law Library Management Departments pays the housing provident fund, and the maximum loan limit is 350,000 yuan; both the applicant and the applicant pay the housing provident fund

, the maximum loan limit is 500,000 yuan; the maximum limit for three or more family members applying for a loan at the same time is 550,000 yuan.

The commercial loan limit in the portfolio loan is reviewed and determined by the bank of the portfolio loan.

The formula for calculating the provident fund loan limit is: the monthly salary base of the provident fund paid by the applicant and *** and the applicant × the loan repayment coefficient × 12 months × the loan period, and shall not exceed the deposits in the provident fund account of the applicant and *** and the applicant

15 times the balance (if the balance in the provident fund account is less than 20,000 yuan, it will be calculated as 20,000 yuan).

The term of the provident fund loan and the commercial loan in the portfolio loan must be consistent. For employees who meet certain conditions such as the man who is over 45 years old and the woman who is over 40 years old, who has paid provident fund for more than 3 years (inclusive) and applies for a provident fund loan for the first time, the provident fund

The loan repayment age can be extended to 5 years after the legal retirement age, which is 65 years old for men and 60 years old for women. The commercial loan term is reviewed and determined by the bank that combines the loans.

2. Calculation of the maximum amount of individual housing provident fund loans in Shenyang, the conditions have been listed, 200 points... If you apply for a provident fund loan through China Merchants Bank, since the relevant policies of each city are different, it depends on whether the provident fund loan business is carried out in your local area and

For relevant business (such as: quota, term, etc.) regulations, please directly contact the personal loan department of the local outlet to confirm.

3. Quzhou, Zhejiang: The maximum housing provident fund loan for families is 800,000, and the maximum for individuals is 500,000. On February 15, the Housing Provident Fund Management Committee of Quzhou City, Zhejiang Province issued the "Notice on Adjusting and Optimizing Housing Provident Fund Related Policies" (referred to as the "Notice"). According to

According to the New Deal, the housing provident fund loan limit in Quzhou City has been adjusted to a maximum of 500,000 yuan for an individual family.

The "Notice" shows that Quzhou City implements a floating loan limit linked to the personal loan rate. It will announce to the public at the beginning of each month that by the end of the previous month, if the city's housing provident fund personal loan rate is above 95% (inclusive) and 90% (inclusive) for three consecutive months -

95%, 85% (one of the four ranges, after reporting to the management committee for approval, the corresponding housing provident fund loan can be implemented for families of 600,000 yuan, 700,000 yuan, 800,000 yuan, 1 million, 500,000 yuan and 600,000 yuan)

The loan limit of Quzhou City Housing Provident Fund Policy and Regulation Office explains that if the loan limit for three consecutive months, for example, the loan rate in February, March, and April is in the 90%-95% range, the loan limit is 5

The standard for the % range is 700,000 yuan for families and 400,000 yuan for individuals. If the personal loan rate is higher (bottom) than the current range for three consecutive months, the loan limit will be implemented at a level close to the current range, for example, in February and March.

The loan rate is in the range of 90%-95%. The standard for the personal loan rate in April to be above 95% is 700,000 yuan for families and 400,000 yuan for individuals. In view of the Quzhou City Housing Provident Fund from November 2021 to January 2022.

The loan rates are 89.97%, 89.65%, and 89.29% respectively. After approval by the Municipal Housing Provident Fund Management Committee, the real estate mortgage registration will be completed starting from February 1, 2022, with a maximum of 800,000 yuan, and a maximum of 5 days (inclusive) for individuals.

The original policy will be implemented. At the same time, the "Notice" shows that high-level talents can apply for a full provident fund loan after paying the down payment as required by the (county and city) talent office to introduce ordinary commercial housing and meet the housing provident fund loan conditions;

Only those with a bachelor's degree can apply for the maximum provident fund loan limit for the current period. The "Notice" clarifies that if a depositor uses a provident fund loan to purchase the first ordinary commercial housing in the administrative area of ??Quzhou City for the first time, the provident fund loan amount exceeds the maximum provident fund loan limit for the current period).

An additional 100,000 yuan will be added to the base.

The "Notice" also clearly expands the scope of loan limit calculation based on households.

If parents and children buy ordinary commercial housing, the loan amount for parents and children is allowed to be calculated as a family unit, but it does not exceed the current public housing provident fund withdrawal range. The depositor purchases a house within the administrative area of ??Quzhou City.

, you can withdraw the balance of the housing provident fund account of the depositor and his spouse, parents, and children; if the depositor and his spouse purchase a house in the place of residence, they can withdraw the balance of the housing provident fund account of the depositor and his spouse; the depositor's parents

If you purchase a house in your place of residence, you can withdraw the balance of the depositor's housing provident fund account.

The "Notice" also mentioned that people with flexible employment should be treated equally.