The latest provident fund policy in 2022. The new policy of provident fund management regulations in 2022.

1. Article 1 These regulations are formulated in order to strengthen the management of housing provident funds, safeguard the legitimate rights and interests of housing provident fund owners, promote urban housing construction, and improve the living standards of urban residents.

2. Article 2 These regulations apply to the deposit, withdrawal, use, management and supervision of housing provident funds within the People's Republic of China and the territory of the country.

The term “housing provident fund” as mentioned in these Regulations refers to state agencies, state-owned enterprises, and urban collective enterprises.

3. Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for the employee shall belong to the individual employee.

4. Article 4 The management of the housing provident fund shall be based on the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, dedicated bank deposits, and financial supervision.

According to the latest policies and regulations, if both husband and wife have paid into the housing provident fund in 2022, the maximum loan amount when applying for a provident fund loan is 600,000 yuan.

The previous maximum loan amount was 500,000 yuan, which has been relatively increased by 100,000 yuan. This should be good news for everyone.

1. The loan amount is determined according to the borrower’s ability to repay the loan.

The calculation formula is: the borrower’s monthly housing provident fund payment amount ÷ the borrower’s housing provident fund payment ratio × personal loan repayment ability coefficient (currently 0.45) × 12 (months) × actual loanable years.

If both husband and wife pay provident fund and borrow money together, the loan limit shall be the sum of the loan limits calculated separately by the husband and wife.

2. The specified maximum limit for personal loans.

Currently, if one spouse pays into the housing provident fund, the maximum loan limit is 300,000 yuan; if both spouses pay into the housing provident fund, the maximum loan limit is 600,000 yuan.

3. The maximum loan amount for purchasing a commercial house shall not exceed 80% of the total purchase price; for purchasing a second-hand house, the loan amount shall not exceed 70% of the total purchase price. Provident Fund Loan Policy The provident fund loan regulations are as follows: 1. Have a legal and valid identity; 2.

Have full capacity for civil conduct; 3. Have a stable career and income, good credit status, and the ability to repay loans; 4. Purchase, build, renovate, and overhaul self-occupied housing; 5. Have the ability to purchase, construct, renovate, and overhaul self-occupied housing.

Housing contract or relevant certification documents; 6. Comply with the housing provident fund payment conditions for loans stipulated by the Housing Provident Fund Management Center; borrower applicants must pay and deposit the housing provident fund in full for 6 months or more; normal payment includes continuous monthly payments

Pay deposit, prepayment, and repayment of housing provident fund, and be in deposit status when applying for a loan; 7. Provide a guarantee recognized by the housing provident fund management center; 8. Neither the borrower nor the husband and wife have outstanding housing provident fund loans and housing provident fund policies

9. Meet other conditions stipulated by the Housing Provident Fund Management Center.

Housing provident fund loan limit Provident fund loan limit refers to the maximum loan amount that an individual can apply for when using a provident fund loan.

Only employees who have a local urban permanent residence, have established a housing provident fund system for more than 2 years, and have paid housing provident funds in accordance with regulations, can enjoy provident fund loans if they have insufficient funds to purchase and build a house or renovate or overhaul their own housing.

The calculation of provident fund loan amount is determined based on four conditions: loan repayment ability, house price ratio, housing provident fund account balance and maximum loan limit. The minimum value calculated from the four conditions is the maximum loan amount that the borrower can borrow.

The method for calculating the provident fund loan limit is as follows: 1. The formula for calculating the loan limit based on the loan repayment ability is: [(the total monthly salary of the borrower, the monthly deposit amount of the housing provident fund of the borrower's unit) × the loan repayment ability coefficient - the borrower's existing loan

Total monthly repayment payable] × loan term (months).

2. According to the amount of the spouse used [(the total monthly salary of both spouses, the monthly housing provident fund deposit amount of the employer where both spouses work) × the loan repayment ability coefficient - the total monthly repayment of the existing loans of both spouses] × loan term (months).

Among them, the loan repayment ability coefficient is 40% of total monthly salary = monthly provident fund payment ÷ (unit payment ratio and individual payment ratio) 3. The formula for calculating the loan amount based on the house price is: loan amount = house price × loan ratio 4

. If you use your own housing provident fund to apply for a housing provident fund loan based on the loan limit calculated according to the loan maximum limit, the maximum loan limit is 400,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan at the same time, the maximum loan limit is 600,000 yuan.

If you use your own housing provident fund to apply for a housing provident fund loan, and you or your spouse make normal deposits when applying for a loan, the maximum loan limit is 500,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, and you or your spouse make normal deposits when applying for a loan

To supplement the housing provident fund, the maximum loan limit is 700,000 yuan.