If you continue to pay the housing provident fund for more than one year, you can use the housing provident fund for housing loans. For borrowers who purchase ordinary self-occupied housing for the first time and have two or more people participating in the loan, the maximum loan limit per household is still 600,000 yuan. If you purchase ordinary self-occupied housing for the first time and the per capita housing area is lower than the average level of this city to buy a second set of ordinary self-occupied housing, the minimum down payment ratio of housing provident fund loans will continue to be no less than 20% of the total purchase price, and in other cases, the minimum down payment ratio of provident fund loans will be no less than 30%.

Xining SouFun determines the number of ordinary self-occupied housing units as follows: If applying for individual housing loans with pure housing provident fund, the number of housing provident fund loans confirmed by the housing provident fund trustee through the housing provident fund loan acceptance inquiry system, or the number of borrowers' family housing units verified by the housing registration information system of the municipal real estate trading center, the per capita housing area shall be determined based on the effective information provided by the municipal real estate trading center.

How many years does the housing provident fund generally have to be paid?

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. Generally speaking, from the time you start to work, until you terminate the labor contract with the unit or have gone through the retirement formalities.

1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.

2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents do not implement the housing provident fund system, and retired workers do not implement the housing provident fund system.

3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the individual contributions of employees are withheld by the unit, they will be paid into the individual account of housing provident fund together with the unit contributions.

4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

5) Housing provident fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: first, it is cumulative, that is, although housing provident fund is an integral part of employees' wages, it is not paid in cash, and must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is specificity. The housing accumulation fund shall be earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work and terminates the labor relationship with the unit or moves out of the original city can the housing provident fund be withdrawn from the account.

What is the minimum age for individuals to pay housing provident fund?

Employees who have reached the age of 18 and signed a formal labor contract with their work units shall pay the housing provident fund.

How many years does the housing provident fund have to be paid?

Housing accumulation fund is different from endowment insurance. Doesn't mean how much money you can get every month after retirement. Working in the unit, the housing provident fund shared by the unit and the individual enters your personal provident fund account and can be used to borrow money to buy a house. You can withdraw the balance in your personal account at one time after retirement. For the old-age insurance, the unit burden part enters the overall fund, and only the individual burden part enters the personal account of the old-age insurance. Those who meet the retirement conditions will receive a monthly pension.

However, there are preconditions for making provident fund loans. For example, some places stipulate continuous payment for more than 6 months. In addition, the amount of the loan is generally related to the amount of your personal account.

How many years will social security and housing accumulation fund be paid?

Social security pension should be paid 15 years, 20 years for medical women and 25 years for men;

Housing provident fund has been paid until retirement.

How many years does the housing accumulation fund need to be paid?

Social security pension should be paid 15 years, 20 years for medical women and 25 years for men;

Housing provident fund has been paid until retirement.

Housing accumulation fund has been suspended for several years, can it continue to be paid? How to pay for buying a house is more appropriate?

Can't!

Application conditions for provident fund loans:

1. Have the household registration or valid residence certificate of the local town;

2. The housing accumulation fund has been paid for more than six months for more than half a year, and the time for paying the accumulation fund is longer than 1 year;

3. The self-financing of the first suite reaches more than 30% (including 30%) of the total price of the purchased house, and the first home loan below 90 square meters is only 20%;

4. Have the ability to repay the principal and interest of the loan, work fairly, have a formal occupation, have a good economy and have a stable income;

5. Signed a house purchase contract or agreement;

6. Meet other certification conditions stipulated by the trustor and the trustee.

My housing accumulation fund is less than one year. What should I do if I want to buy a house now?

You just started to pay the provident fund. If you open a new account, you should not get the provident fund loan (if you opened it a long time ago, you can make up the deposit for one year now), but you can only get a commercial loan. If your city has the business of transferring commercial loans to public loans, you can transfer to provident fund loans as long as your commercial bank agrees. (but not every city can transfer. This needs to be checked in detail. Policies vary from place to place. )

How much money can be borrowed is also related to the place, and the maximum amount varies greatly from place to place.

Are you from Taian? It took me a long time to find your housing provident fund website, which is newly opened.

Local policy on loan amount:

Article 10 the loan amount. The maximum loan limit is 300,000 yuan; If the husband and wife establish a housing provident fund system in this city and pay the provident fund normally, the maximum amount of the provident fund loan is 400,000 yuan.

The loanable amount is calculated with reference to the following factors and determined according to the lowest value:

1. If you purchase an existing house, an auction house, a second-hand house and affordable housing, the total amount of the loan application shall not exceed 70% of the total house price (the second-hand house shall be determined by the deed tax payment certificate "tax payable"), in which: if you purchase less than 90 square meters, the total amount of the loan application shall not exceed 80% of the total house price; The purchase of houses to be demolished, the total loan application shall not exceed 70% of the difference of the demolition contract; If the contract price is inconsistent with the total amount assessed and the deed tax paid, it shall be calculated according to the deed tax paid.

2. Loan amount. Loan amount = monthly income of employees' families × 12× loan period ×0.4 or loan amount = monthly deposit amount ÷ deposit ratio × 12× loan period ×0.4.

Can you see it clearly? There are three numbers that limit the maximum amount you can borrow, which is also the smallest. So, according to the information you provided, we can't know how much money you can borrow. Also know your family income and what house you bought.

Also, you can convert commercial loans into public loans there.

Loan object and conditions: Article 7 The replacement object of provident fund loans shall comply with the provisions of the Measures for the Administration of Personal Housing Provident Fund Loans in Tai 'an and related loan documents, and shall meet the following conditions:

1, provident fund loan replacement business must go through the procedures of provident fund loan replacement in the original individual housing commercial loan bank (hereinafter referred to as the loan bank).

2. The applicant's personal housing commercial loan has been repaid normally for more than one year, and it has reached the minimum repayment time stipulated by the loan bank, and there is no record of bad repayment overdue for more than 6 or 3 periods.

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Go and see for yourself.

The housing accumulation fund has not been paid for one year. Do you need to make up? Can we not make up?

You can make up for it or not. It doesn't matter if you don't borrow money. You can get as much as you pay. If you want to make up, you have to make up for what you paid and what the company gave you (it used to be half way, but now you have to pay all by yourself)

How many years do I have to pay the housing provident fund to get a loan to buy a house?

For more than one year, under any of the following circumstances, you can apply for withdrawing the storage balance in the housing provident fund account: 1. Purchase, construction, renovation and overhaul of self-owned housing; 2. Repay the principal and interest of the house purchase loan; 3. renting a house for self-occupation; 4. Retirement (or reaching the statutory retirement age); 5. Completely lose the ability to work, and terminate the labor relationship with the unit; 6. Go abroad to settle down; 7. Non-registered employees in this Municipality terminate labor relations with their units; 8 accounts to move out of the city, and terminate the labor relationship with the unit; 9. Laid-off workers, male 45 years old (including 45 years old), female 40 years old (including 40 years old), laid-off and unemployed 12 months or more; 10. When an employee dies or is declared dead, his successor or legatee applies for withdrawing the balance stored in the employee's housing provident fund account. If it is extracted according to the above 1~3, the extraction amount shall be kept to ten integers; According to item 4~ 10, the employee housing provident fund account shall be cancelled at the same time. The application time for housing provident fund withdrawal is 1. Those who buy unsecured self-occupied housing should apply within two years after paying the house price, and then withdraw it once every six months until the withdrawal amount reaches the actual payment. 2. If the principal and interest of the house purchase loan are repaid, an application shall be made within the repayment period, and it shall be withdrawn once every six months until the total amount of the housing provident fund withdrawn reaches the sum of the actual down payment and the repaid loan principal and interest. 3. For the construction, renovation and overhaul of owner-occupied housing, only one application can be made within the validity period of examination and approval, and the total amount of housing provident fund extracted cannot exceed the cost of construction, renovation and overhaul of owner-occupied housing. 4. If renting a house for self-occupation, apply within the term of the lease contract, and then withdraw it once every six months until the total amount of housing provident fund withdrawn reaches the actual rent paid. Extraction program 1. Eligible employees go to the bank where the housing provident fund is opened to collect and fill in the withdrawal application form, and go through the examination and approval procedures with relevant certification materials. 2. For the purchase of owner-occupied housing, repayment of principal and interest of house purchase loan or renting a house for owner-occupation, after the first examination, the opening bank shall issue the Registration Certificate for Withdrawal of Housing Provident Fund, and then go through the withdrawal formalities with the Registration Certificate for Withdrawal of Housing Provident Fund. 3. If the original unit is revoked, dissolved or bankrupt, and the employee housing provident fund is managed by the superior competent department, when the employee withdraws the housing provident fund, the superior competent department shall verify and add an opinion, and go through the audit procedures at the bank with relevant certification materials; If there is no superior competent department and the employee housing provident fund is managed by the housing provident fund management center, the relevant certification materials shall be submitted to the housing provident fund management center for approval. First, apply to the unit with the purchase invoice and real estate license (without real estate license, with the purchase contract), and the unit will write you an application form for provident fund and hand it over to the provident fund management center; Provident fund management center audit, as long as your unit pays on time, you can apply, and it will be fine if you don't pay on time; Open an account in the bank designated by the management center, report the account number, and the management center will transfer the provident fund to the account, which can only be an integer multiple of 100. There is no time limit. In some places, it is paid once a year, and in some places, the manager of the mortgage loan unit can receive the detailed list of the personal savings account of the housing provident fund of its collection department on a monthly basis. The format is as follows: List of Personal Savings Accounts of Housing Provident Fund Year Month Day Savings Type: Savings Card Passbook Name and Number Unit: Bank of deposit: serial number Personal number Name ID number Personal savings account number Signature of payer. The manager should fill in this form according to different bank, savings card and passbook. When the housing provident fund is withdrawn by savings account for the first time, the payer shall provide the personal savings passbook account number (postal passbook, ICBC passbook and business passbook) or bank card number opened in the administrative area to the unit manager, and the unit manager shall fill in the Detailed List of Personal Savings Accounts of Housing Provident Fund, which shall be signed by the payer and submitted to the handling personnel of the collection department together with the withdrawal information.