Hefei provident fund loan amount 202 1202 1 Hefei provident fund loan new policy, 202 1 Hefei provident fund

2002 1 year Hefei second-hand housing provident fund loan,1year Hefei provident fund loan conditions, Hefei housing provident fund loan interest rate, 20021year Hefei employee provident fund loan latest policy.

In recent years, the issuance rate of housing provident fund personal housing loans in our city has been running at a high level. By June 2020, the personal housing loan interest rate of housing provident fund in our city will be 105. 13, which truly aims at "living without speculation", ensuring the healthy and sustainable development function of housing provident fund and effectively preventing and controlling the liquidity risk of housing provident fund funds. After deliberation and approval by the 19 residents' meeting, we now approve some housing provident fund loans in our city.

First, improve the criteria for determining the loan amount.

The loan amount is determined according to the employee's repayment ability and the low value calculated by the highest formula specified by our city.

Answer: The sum of the monthly salary income of the borrower and his wife who have paid the housing provident fund ×1February× repayment ability coefficient× actual availability.

B: The borrower's provident fund is the borrower's spouse's provident fund.

The housing accumulation fund shall be paid continuously within 1 year (including 1 year), and the deposit time multiple shall be 10 times; The continuous deposit of housing provident fund is 1 year and less than 2 years 15 times; The number of consecutive housing deposits is 20 times. If the balance in the account is less than 1 ten thousand yuan, the loan capacity coefficient of 1 is 0.5.

Identification of the amount of family loans

Changes in marital status do not affect the number of provident fund loans. The number of pre-marital provident fund court loans and the number of family provident fund loans during the marriage relationship are recorded in the number of loans of both parties after the marriage relationship ends.

2. What's the interest rate of Hefei Provident Fund loan now?

The interest rate of provident fund loans is 4.0% for five years and 4.5% for six to twenty years (implemented on July 6, 2065438+02).

Provident fund loans can only apply for early (partial or full) repayment to reduce the monthly payment, and cannot shorten the service life. If you need to repay in advance, you can contact the central handling point.

Letter of credit clause

On October 9th, 2065438+0414/KLOC-0, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund, which adjusted the conditions for handling loans, loan amount, fees for related projects and provisions on mutual recognition in different places. Hefei local treasure club will continue to pay attention to the latest news of Fuzhou provident fund new deal, and everyone can continue to pay attention.

Changes in loan conditions of the New Deal (not implemented)

At present, before applying for provident fund loans, borrowers should normally deposit housing provident fund 12 months or more in the city where they work.

After the reform: before applying for the provident fund loan, the borrower has paid the housing provident fund for more than 6 months (inclusive).

Mutual recognition in different places: employees can apply for individual housing loans from the housing provident fund management center where they are registered with their domicile on the basis of the deposit certificate issued by the housing provident fund management center in their place of employment. At present, employees who pay housing provident fund can choose to apply for housing provident fund loans at the place where the housing provident fund is paid or where the house is located.

Hefei has not formally implemented the contents of the new policy, and it is still implemented according to the original system. Details are as follows:

1. has full capacity for civil conduct;

2. The borrower and his unit have paid the housing provident fund in full and on schedule for more than one year before applying for the loan;

3. The borrower must be the main property owner agreed in the house purchase contract (agreement); The houses purchased are Hefei commercial housing (the developer must sign an agreement with the management center and the entrusted bank for mortgage business), affordable housing, public houses and second-hand houses with clear property rights and no real estate disputes;

4. Have permanent residence or valid residence status in Hefei;

5. Have a legal purchase contract or other valid documents;

6. Provide the guarantee method recognized by the management center and the entrusted bank for guarantee;

7. The down payment ratio for the purchase of newly-built ordinary commodity housing should be no less than 30% of the house price; The down payment ratio of the second-hand house with the age of 10 is not less than 30% of the house price, and the down payment ratio of the second-hand house with the age of 10 less than 20 years is not less than 60% of the house price;

8. Have stable professional and economic income, good credit, and the ability to repay the principal and interest of the loan on time. The monthly repayment amount of the borrower shall not exceed 50% of his family income.

Three, Hefei provident fund loan amount 2022

What is the maximum loan amount of Hefei housing provident fund? The loan amount of Hefei housing provident fund was raised by 654.38 million yuan. Since June 5438+03, the adjusted housing provident fund loan rules of this city have been formally implemented. The maximum loan amount for registered employees in Hefei is 650,000 yuan, and the longest term of second-hand housing loans in the city is increased from 30 years to 40 years. On June 1 1, Hefei Housing Provident Fund Management Center informed that if a registered employee's family purchases the first self-occupied house with a housing loan in this city for the first time, when applying for a housing provident fund loan, the maximum amount of the loan that can be paid unilaterally will be raised from 450,000 yuan to 550,000 yuan, and the maximum amount of the loan that can be paid by both husband and wife will be raised from 550,000 yuan to 650,000 yuan. Employees who use the housing provident fund loan to buy a second-hand house with a house age of no more than 20 years, The loan period plus house age is adjusted from no more than 30 years to no more than 40 years. Hefei adjustment, valid for 5 years. 1. Example of loan amount determination 1: Both husband and wife deposit normally, with deposit bases of 38,505,000 yuan respectively. When applying for a loan, the deposit balance is 15000 and 5000 yuan respectively, and the continuous deposit time is more than 2 years and less than 1 year respectively. The borrower is 30 years old. Determine the actual loan amount with the low value calculated by double hook. A = (38,505,000) 0.51230 =1593,000 yuan; B=( 1500020 10000 (if it is less than 10000, it will be calculated as 10000) = 400000 yuan. Finally, the actual loan amount is 400,000 yuan, and the longest loan period is 30 years. Example 2: Normal deposits of husband and wife, with deposit bases of 4,585,600 yuan respectively. When applying for a loan, the deposit balance was 65,438+05,000 yuan and 65,438+08,000 yuan respectively, and the continuous deposit time was more than 2 years. The borrower is 30 years old. Determine the actual loan amount with the low value calculated by double hook. A = (45,856,000) 0.51230 =1905,300 yuan; B = (15000201800020) = 660000 yuan. Finally, the actual loan amount is 550,000 yuan, and the longest loan period is 30 years.

4. Hefei Provident Fund Loan 2022 New Deal?

The first is to increase the maximum loanable amount of the provident fund for the first home loan. If a family uses the first housing loan to purchase the first self-occupied housing, when applying for the housing provident fund loan, the maximum amount of the normal loan unilaterally paid will be raised from 450,000 yuan to 550,000 yuan, and the maximum amount of the loan for both husband and wife will be raised from 550,000 yuan to 650,000 yuan.

Second, extend the loan period of second-hand housing. Employees use housing provident fund loans to buy second-hand houses, the age of which is no more than 20 years, and the longest loan period is 30 years. The loan period plus house age is adjusted from no more than 30 years to no more than 40 years.

Three, this notice from the date of promulgation, valid for 5 years.