Housing provident fund personal housing loan guarantee is mainly based on purchased housing mortgage, and the expenses of housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee are cancelled; If the housing provident fund is deposited in different places, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place. I. Housing provident fund loan process: 1. The borrower applies for a loan from the undertaking bank; 2, bank staff to collect bank information and preliminary examination and approval; 3, the center staff center for examination and approval; 4. Bank staff generate contracts, handle mortgage loans and scan mortgage loan information; 5, bank staff bank size approval; 6, the center personnel center scale approval and financial audit. II. Loan conditions of individual housing provident fund 1, and 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 (from the back to the front); 3. Have a stable professional income, good credit and the ability to repay the principal and interest of the loan; 4, there is a legitimate contract or agreement to buy their own housing, and a prescribed proportion of self-raised funds; 5. The assets stipulated in the Guarantee Law are mortgage or pledge of loans; 6. Agree to handle the purchase guarantee or mortgage property insurance; 7, agreed to other conditions stipulated in the housing provident fund management; 8, personal housing provident fund loan income certificate. Legal basis: Article 4 of the Regulations on the Management of Housing Provident Fund shall be managed in accordance with the principles of decision-making by the Housing Provident Fund Management Committee, operation of the Housing Provident Fund Management Center, special bank account storage and financial supervision. Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes. Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council. Seventh the State Council municipal construction administrative departments in conjunction with the the State Council municipal finance department, the people's Bank of China to develop housing provident fund policy, and supervise the implementation. The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas. 2022 Luoyang provident fund loan conditions and requirements, housing provident fund loans to implement the per capita per household quota system. If both employees and their spouses pay housing provident fund, the specific loanable amount is calculated by individuals, and the loan conditions and requirements of Luoyang provident fund in 2022. 2022 Luoyang provident fund loan conditions and requirements 1 Luoyang provident fund loan conditions 1, the applicant must continuously deposit the provident fund in Luoyang for more than half a year; 2. The applicant must have a stable job and income and have sufficient repayment ability; 3. The applicant must have a certificate of permanent residence in Luoyang or a valid proof of residence identity; 4. Purchase, renovation and overhaul of owner-occupied housing can apply for provident fund loans; 5. Purchase a house, and provide a legal and effective purchase contract or agreement to apply for a loan; 6, construction, renovation of housing to apply for provident fund loans, the need to provide the approval documents of the planning and land management departments; 7. Luoyang Housing Provident Fund Management Center stipulates that the maximum application amount for a single housing provident fund loan shall not exceed 300,000 yuan; 8, the purchase of affordable housing, commercial housing, housing construction, the longest loan period of 30 years; 9, the purchase of private housing or renovation, construction, overhaul occupied housing, the longest loan period of 20 years; 10. The age of the applicant and the time limit for applying for a loan shall not exceed the statutory retirement age. If the conditions are good, it can be extended to five years after retirement; 1 1. The purchase of the first ordinary self-occupied house shall not exceed 70% of the purchase price (if the construction area in Xing Tao is less than 90 square meters (inclusive), it shall not exceed 80% of the purchase price); 12. If the loan application period is less than one year (including one year), the repayment method is to repay the principal and interest when due; If the loan application period exceeds one year, the repayment method is monthly repayment. 2022 Luoyang Provident Fund loan conditions and requirements 2 According to the regulations of Luoyang Provident Fund Center: calculation method of loan amount The loan amount of employee housing provident fund personal housing loan is calculated in the following way, taking the lowest value. (1) Calculated according to the borrower's repayment ability: monthly repayment amount = sum of deposit bases of both husband and wife × 50%; (2) Calculated by personal account balance and deposit time: loan amount = (borrower's provident fund account balance and spouse's provident fund account balance) × 10 times× deposit time coefficient (if the account balance is less than 10000 yuan, it shall be calculated by 10000 yuan). Legal basis: Article 17 of the General Rules for Loans. The borrower should meet the following basic conditions when applying for a loan: the product is marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed. First, the borrower should be able to repay the principal and interest on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made; Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments. 3. basic account or general deposit account has been opened; 4. The borrower's asset-liability ratio meets the requirements of the lender. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

Two, Luoyang personal housing provident fund payment lags behind for three months, can not apply for loans?

Spread out completely

Hello, the New Deal issued by Luoyang Housing Provident Fund Management Center:

The deposit time of provident fund in different places can be calculated together.

Policy: If the housing provident fund is paid in different places and has been paid in this city for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original place of deposit.

What are the advantages of the consolidated calculation of the deposit time of provident fund in different places?

Interpretation: After the consolidated calculation of the deposit time of the off-site provident fund, the loan conditions for employees who deposit the individual housing provident fund in different places have been relaxed.

For example, you worked in Zhengzhou from June to April in 65438 10 and paid the housing provident fund. From May to September, when you were looking for a job in Luoyang, you didn't pay the housing provident fund. /kloc-From June 0, as long as the original provident fund account is transferred back, the employer in Luoyang will continue to pay the provident fund for you. Then, the original four months can be combined into the loan time conditions.

I hope I can help you, and I hope to adopt it!

How much can 32,000 yuan be borrowed from Luoyang Provident Fund?

Between 200,000 and 400,000

The loan amount of Luoyang provident fund can be calculated according to the borrower's repayment ability, personal account balance and deposit time, but the lowest value is taken. Details are as follows:

1. Calculated according to the borrower's repayment ability: monthly repayment amount = sum of deposit bases of both husband and wife × 50%;

2. Calculated by personal account balance and deposit time: loan amount = (borrower's provident fund account balance and spouse's provident fund account balance) × 10 times× deposit time coefficient (if the account balance is less than 10000 yuan, it shall be calculated by 10000 yuan);

Four, Luoyang provident fund loan policy 2022

Housing provident fund personal housing loan guarantee is mainly based on purchased housing mortgage, and the expenses of housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee are cancelled; If the housing provident fund is deposited in different places, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place.

First, the housing provident fund loan process:

1. The borrower applies for a loan from the undertaking bank;

2, bank staff to collect bank information and preliminary examination and approval;

3, the center staff center for examination and approval;

4. Bank staff generate contracts, handle mortgage loans and scan mortgage loan information;

5, bank staff bank size approval;

6, the center personnel center scale approval and financial audit.

Second, the individual housing provident fund loan conditions

1. The borrower has a town account;

2. I and my unit have paid the housing provident fund in full and on time in this city for more than one year (from the back to the front);

3. Have a stable professional income, good credit and the ability to repay the principal and interest of the loan;

4, there is a legitimate contract or agreement to buy their own housing, and a prescribed proportion of self-raised funds;

5. The assets stipulated in the Guarantee Law are mortgage or pledge of loans;

6. Agree to handle the purchase guarantee or mortgage property insurance;

7, agreed to other conditions stipulated in the housing provident fund management;

8, personal housing provident fund loan income certificate.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

Seventh the State Council municipal construction administrative departments in conjunction with the the State Council municipal finance department, the people's Bank of China to develop housing provident fund policy, and supervise the implementation.

The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas.

2022 Luoyang provident fund loan conditions and requirements, housing provident fund loans to implement the per capita per household quota system. If both employees and their spouses pay housing provident fund, the specific loanable amount is calculated by individuals, and the loan conditions and requirements of Luoyang provident fund in 2022.

2022 Loan Conditions and Requirements of Luoyang Provident Fund 1 Loan Conditions of Luoyang Provident Fund

1. The applicant must continuously and normally deposit the provident fund in Luoyang for more than half a year;

2. The applicant must have a stable job and income and have sufficient repayment ability;

3. The applicant must have a certificate of permanent residence in Luoyang or a valid proof of residence identity;

4. Purchase, renovation and overhaul of owner-occupied housing can apply for provident fund loans;

5. Purchase a house, and provide a legal and effective purchase contract or agreement to apply for a loan;

6, construction, renovation of housing to apply for provident fund loans, the need to provide the approval documents of the planning and land management departments;

7. Luoyang Housing Provident Fund Management Center stipulates that the maximum application amount for a single housing provident fund loan shall not exceed 300,000 yuan;

8, the purchase of affordable housing, commercial housing, housing construction, the longest loan period of 30 years;

9, the purchase of private housing or renovation, construction, overhaul occupied housing, the longest loan period of 20 years;

10. The age of the applicant and the time limit for applying for a loan shall not exceed the statutory retirement age. If the conditions are good, it can be extended to five years after retirement;

1 1. The purchase of the first ordinary self-occupied house shall not exceed 70% of the purchase price (if the construction area in Xing Tao is less than 90 square meters (inclusive), it shall not exceed 80% of the purchase price);

12. If the loan application period is less than one year (including one year), the repayment method is to repay the principal and interest when due; If the loan application period exceeds one year, the repayment method is monthly repayment.

2022 Luoyang Provident Fund Loan Conditions and Requirements 2 According to the regulations of Luoyang Provident Fund Center:

Calculation method of loan amount

Approved loan employee housing provident fund personal housing loan amount is calculated in the following way, taking the lowest value.

(1) According to the repayment ability of the borrower:

Monthly repayment amount = sum of deposit bases of both husband and wife × 50%;

(two) according to the personal account balance and deposit time:

Loan amount = (balance of borrower's provident fund account and spouse's provident fund account) × 10/0× deposit time coefficient (if the account balance is less than 10000 yuan, it shall be calculated as 10000 yuan).

Legal basis:

Article 17 of the general principles of loans

The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:

(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made;

Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.

3. basic account or general deposit account has been opened;

4. The borrower's asset-liability ratio meets the requirements of the lender.

Article 26 of the Regulations on the Management of Housing Provident Fund

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.