Beijing provident fund loan policy

Beijing provident fund policy is as follows:

1. When applying for housing provident fund loan, "recognize the house and the loan".

second, the loan amount is linked to the deposit period of the housing provident fund of the borrower. In order to reflect the fairness and impartiality of the system, a loan of 1, yuan can be made every year. If the deposit period is less than one whole year, the maximum loan can be 1.2 million yuan according to one whole year.

3. Differentiate the maximum loan amount.

fourth, the down payment ratio was adjusted with reference to the current commercial loan policy.

v. the loan period has been adjusted. The loan term can be calculated from the longest to the 7-year-old of the borrower, and adjusted to the maximum of 65 years old in principle.

VI. Adjust the monthly repayment amount.

VII. Adjust the guarantee method.

VIII. Streamline the loan application materials.

IX. Streamlining archival materials.

Notice of Beijing Housing Provident Fund Management Center on Adjusting Housing Provident Fund Individual Housing Loan Policy Article 1

When applying for a loan, the borrower shall meet the following conditions:

(1) When applying for a loan, the borrower shall continuously deposit the housing provident fund for more than half a year (inclusive) and his housing provident fund account is in a normal deposit state; Retired people have paid housing provident fund before retirement.

(2) The loan applicant must be qualified to purchase houses in Beijing; Apply for a loan to pay for the house you bought.

(3) If there is no housing loan record in the name of the loan applicant and there is no housing in this city, it shall be handled according to the first home loan policy; Anyone who does not belong to the first suite and is approved as a second suite shall be handled according to the second suite loan policy. If it is approved that there are two or more houses, no loan will be granted.

Tips

The above answers are only made for the current information combined with my understanding of the law. Please refer to them carefully!

if you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Beijing housing provident fund loan amount

1. The loan amount of the new policy of provident fund loan is linked to the deposit period of the housing provident fund of the borrower. You can borrow 1, yuan for each year of deposit, and if the deposit period is less than one whole year, you can borrow up to 1.2 million yuan for one whole year. If the loan applicant is married, the loan amount shall be calculated by the spouse who has paid for a long time. 2. If the household registration of the loan applicant is in Dongcheng District or Xicheng District of Beijing, the maximum loan amount can be increased by 2, yuan when purchasing the first home outside Dongcheng District, Xicheng District, Chaoyang District, Haidian District, Fengtai District and Shijingshan District (hereinafter referred to as the six districts of the city); 3. For those who do not belong to the former situation, but the household registration of the loan applicant is in the sixth district of the city, the maximum loan amount can be raised by 1, yuan when purchasing the first house outside the sixth district of the city; If it does not belong to the above two situations, the first house will be purchased with a maximum loan amount of 1.2 million yuan. 4. If the household registration of the loan applicant is in Dongcheng District or Xicheng District of Beijing, the maximum loan amount can be raised to 1.4 million yuan if the first home is purchased outside the six districts of Beijing; For those who do not belong to the former situation, but the household registration of the loan applicant is in the sixth district of the city, the maximum loan amount can be raised to 1.3 million yuan when purchasing the first house outside the sixth district of the city. 5. The maximum loan amount for the second home loan is 6, yuan.

Tips

The above answers are only made for the current information combined with my understanding of the law. Please refer to them carefully!

if you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Beijing provident fund loan amount

Beijing's housing prices are already very high, with an average price of 3, to 4, yuan. If you want to buy a suite, it will be several million yuan. According to the down payment of 3%, it will cost at least one million yuan. Now the small partners in Beijing apply for provident fund loans, and the maximum amount is 1.2 million yuan.

The amount of provident fund loans in Beijing is family-based, and the maximum amount is 1.2 million yuan, whether it is a one-person loan or a family loan.

under normal circumstances, the maximum amount of a single housing provident fund loan is 1.2 million yuan for the purchase of policy housing or the first self-occupied housing with a building area of 9 square meters or less; How to determine the specific loan amount:

1. Calculate the monthly income of myself and the applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;

2. Calculate the maximum loanable amount: the maximum loanable amount is the amount remaining after deducting the living expenses of at least 1,92 yuan from the monthly income of the family, and then dividing it by the monthly repayment amount per 1, yuan of loans for the loan application period.

3. For the specific loan amount, the maximum loan amount, the maximum loanable amount, the minimum down payment, the credit rating and the assessed value of the collateral should be considered at the same time.

how to get the maximum loan amount?

personal loan: the monthly deposit amount needs to reach 772 yuan, that is, the housing accumulation fund is paid at the rate of 12%, and the personal monthly income reaches 6,434 yuan before the maximum loan amount is 1.2 million yuan.

Couple loan: As long as the sum of the monthly deposits of two people is not less than 916 yuan, you can borrow 1.2 million yuan. As long as their monthly income is above 3,817 yuan, they can borrow 1.2 million yuan.

What are the loan conditions and requirements of Beijing housing provident fund?

Legal analysis: (1) The borrower has an urban hukou; (2) I and my unit have paid the housing provident fund in full and on time in this city for more than one year; (3) I have a stable professional income, good credit and the ability to repay the principal and interest of the loan; (4) I have a legal contract or agreement to buy my own house. Self-raised funds in the required proportion (5) Assets specified in the Civil Code are mortgage or pledge of loans (6) Agree to apply for home purchase guarantee or collateral property insurance (7) Agree to other conditions specified by the Housing Provident Fund Management Center. The loan conditions of Beijing Provident Fund are:

The applicant has continuously paid the housing provident fund for more than half a year (inclusive), and the provident fund account is in a normal state of payment;

the applicant is qualified to purchase houses in Beijing;

There is no outstanding provident fund loan under the name of the applicant's husband and wife;

Retired people have paid housing provident fund before retirement. The amount of Beijing provident fund loans is: the maximum amount of individual housing provident fund loans is 6,, and the maximum amount of husband and wife provident fund loans is 1 million.

When applying for provident fund loans, the borrower shall meet the following conditions: 1. If the borrower applies for loans and has continuously paid the housing provident fund for more than half a year, and his housing provident fund account is in a normal state, the retiree has paid the housing provident fund before retirement, the borrower must be qualified to purchase houses in Beijing, and the borrower has no housing loan record and no housing in this city, it shall be handled according to the first home loan policy; 5. Anyone who does not belong to the first suite and is approved as a second suite shall be handled according to the second suite loan policy. 6. If it is approved that there are two or more houses, no loan will be granted. Loan amount: 1, yuan can be loaned for each deposit year, and if the deposit period is less than one whole year, the maximum loan can be 1.2 million yuan based on one whole year. If the loan applicant is married, the loan amount shall be calculated by the spouse who has paid for a long time.

legal basis: article 12 of the regulations of the people's Republic of China on the administration of housing provident fund, the housing provident fund management Committee shall, in accordance with the relevant provisions of the people's bank of China, designate a commercial bank entrusted to handle the financial business of housing provident fund (hereinafter referred to as the entrusted bank), and the housing provident fund management center shall entrust the entrusted bank to handle the financial business of housing provident fund loans and settlement, as well as the establishment, deposit and return of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.

How to borrow Beijing housing provident fund loan

The process of Beijing housing provident fund loan is as follows:

First, the loan user should consult the corresponding provident fund management department and submit the required information.

second, the provident fund management department conducts a preliminary review. When evaluating, there are two aspects, one is credit evaluation, the other is collateral evaluation. Review the guarantee qualification of the guarantee center.

third, both parties sign the contract face to face.

fourth, transfer all the information to the handling bank.

5. if the loan conditions are met, the loan will be issued.

provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to the state regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

In 212, some cities relaxed the conditions of provident fund loans, and the upper limit of housing provident fund loans will be raised from 2, yuan to 3, yuan from June 1, 212 in 9 counties of Linyi City, Shandong Province.

In October p>214, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate fees, canceling individual housing loan insurance for housing provident fund, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).

On August 15th, 217, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that the down payment for buying a second home with provident fund loans will be cancelled by 2% from September 1st, 215.

provident fund loans refer to individual housing provident fund loans, which are housing mortgage loans granted by housing provident fund management centers in various places, using the housing provident fund paid by employees who apply for provident fund loans, and entrusting commercial banks to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who paid housing provident fund during their working life. In accordance with the provisions, employees who have paid the housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha for more than 12 months) may apply for provident fund loans when the funds for the purchase, construction, renovation and overhaul of their own houses are insufficient.

the loan conditions are: the employees in the unit have signed labor contracts for more than three years (or signed one-year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit for more than a certain period of time; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle housing mortgage registration and insurance; Provide the guarantee method agreed by the local housing fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as purchase contract or house pre-sale contract, house property certificate, land use certificate, proof of deposit of provident fund, etc.