The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender. So how is the amount of Weifang provident fund loan calculated, and what is the minimum standard of Weifang provident fund loan? In this article, I will introduce you to the knowledge about the calculation and distribution of Weifang provident fund loan amount.

The maximum amount announced by Weifang Housing Provident Fund Management Committee; If the total deposit ratio (the sum of the respective deposit ratios of units and employees) is 20% (excluding) -24%, the loan ceiling is 400,000 yuan; If the total deposit ratio is 16% (excluding) -20% (including), the loan ceiling is 370,000 yuan; If the total deposit ratio is below 16% (inclusive), the loan ceiling is 350,000 yuan; And take the lowest of the following three items as the maximum amount of provident fund loan:

1. The loan amount of the provident fund shall not exceed the proportion stipulated in the national, provincial and municipal mortgage policies at the time of application, that is, the sum of the down payment and the loan amount shall not exceed the total house price;

2. Calculated according to 15 times of the sum of the balance of husband and wife's provident fund accounts at the time of the borrower's application; If the borrower is single, it shall be calculated according to 15 times of the balance of the provident fund account at the time of application;

3. The monthly repayment amount of the borrower shall not exceed 50% of the total monthly income of both husband and wife (excluding the loan of 1 year). If the deposit base of the borrower's and spouse's provident fund is lower than the actual wage payment standard or the spouse has no provident fund, the proof of the bank's payment of wages can be provided as the basis for calculating the amount of provident fund loans.

The amount of provident fund loans is determined by the lowest of the following four items:

1 shall not exceed the maximum amount announced by Weifang Housing Provident Fund Management Committee;

If the total deposit ratio (the sum of the respective deposit ratios of units and employees) is 20% (excluding) -24%, the loan ceiling is 400,000 yuan;

If the total deposit ratio is 16% (excluding) -20% (including), the loan ceiling is 370,000 yuan;

If the total deposit ratio is below 16% (inclusive), the loan ceiling is 350,000 yuan.

2 It shall not exceed the remaining house payment after the down payment is paid according to the specified proportion when the total house payment is deducted.

If the owner of the house purchase contract is a person with full capacity for civil conduct other than husband and wife, the maximum loan amount shall be the remaining house payment after deducting the down payment according to the specified proportion of the value of the house occupied by the borrower (if there is a specific proportion, it shall be divided according to the specific proportion; if there is no specific proportion, it shall be divided according to the average proportion).

3. Calculated according to 15 times of the sum of the balance of the provident fund accounts of both husband and wife at the time of the borrower's application;

If the borrower is single, it shall be calculated according to 15 times of the balance of the applicant's provident fund account.

4 If the loan term is less than 5 years (including 5 years), the monthly repayment amount shall not exceed 50% of the total monthly income of both husband and wife (excluding loans within 1 year);

If the loan term is more than 5 years, the monthly repayment amount shall not exceed 40% of the total monthly income of both husband and wife.

2022 Weifang provident fund loan ceiling

In 2022, the upper limit of Weifang housing provident fund loan is 500,000 yuan, which can be mortgaged according to the actual needs of individuals, with a maximum loan amount of 30%.

Weifang provident fund loan amount

Zhongxin. com, September 13. According to the official account of Weifang Provident Fund WeChat, Weifang Housing Provident Fund Management Center recently issued a notice on optimizing and adjusting the housing provident fund loan policy, and made the following adjustments to the relevant policies of Weifang housing provident fund loans:

First, the provisions of the loan quota measurement index were adjusted. Cancel the provision that "the upper limit of the loan amount is determined according to the deposit ratio, the number of loans, and the employee's unilateral or bilateral deposit of provident fund".

The second is to adjust the time limit for borrowers to apply for loans to deposit provident fund. Adjust the time limit for the borrower to apply for a loan and deposit the housing provident fund from "the borrower has paid the housing provident fund in full 12 months or more" to "the borrower has paid the housing provident fund in full for more than 6 months".

Third, the provisions on the calculation of loan balance multiples have been adjusted. The upper limit of the loan amount is calculated from 15 times of the sum of the balances deposited in the provident fund account when the borrower applies, and adjusted to 20 times.

The fourth is to adjust the repayment ability to calculate the monthly income ratio. Adjust the provision that "if the loan term is more than 5 years, the monthly repayment amount shall not exceed 40% of the total monthly income of both husband and wife" to "if the loan term is more than 5 years, the monthly repayment amount shall not exceed 50% of the total monthly income of both husband and wife".

The fifth is to reduce the proof materials for real estate registration information inquiry. Cancel the requirement that the borrower provide proof of real estate inquiry at the place of residence, acceptance and deposit. When applying for a loan, the borrower only needs to provide the proof of the inquiry result of the real estate registration information of the place where the house is purchased (or can inquire the real estate registration information of the place where the house is purchased through Ai Shandong APP). (Zhongxin Finance)

Weifang, Shandong: The maximum amount of provident fund loan is 600,000, and the down payment for the first suite is reduced to 20%.

On February 26th, 65438, Weifang Housing Provident Fund Management Center of Shandong Province issued the Notice on Optimizing and Adjusting Housing Provident Fund Management Policy (hereinafter referred to as the Notice), and the new policy will be implemented on June 26th, 2023.

The notice shows that Weifang will increase the loan amount. The upper limit of the loan amount was increased by 654.38 million yuan, and the maximum loan amount was increased to 600,000 yuan. The policy is valid until 65438+February 3, 20231.

At the same time, reduce the down payment ratio of loans. Reduce the minimum down payment ratio of the first suite from the current 30% to 20%. The influence of the cancelled purchase area (144 square meters) and the construction period of the stock house (10 years) on the down payment ratio. Implement a unified standard: the down payment ratio of the first suite is not less than 20%, and the down payment ratio of the second suite is not less than 30%.

Cancel the stipulation of freezing account balance. Employees applying for housing provident fund loans are no longer required to keep account balances; The remaining balance in the employee's account that has obtained the loan can be used to hedge the principal of the provident fund or to withdraw the loan to repay the commercial housing. The existing multi-storey residence is equipped with elevators.

Weifang Housing Provident Fund Management Center explained that when an employee applies for a loan, the business system automatically obtains the highest account balance within six months before the employee applies for a loan, and the system automatically calculates the upper limit of the loan amount according to its 20 times, and no account balance will be retained after calculating the amount.

If the housing provident fund loan has been handled before the policy adjustment, the frozen balance of the account will be partially thawed, and the provident fund will be repaid normally, which can be used to hedge the principal of the provident fund or repay the commercial housing loan. The existing multi-storey residential buildings will be added with elevators for extraction. After the employee applies for a loan, the balance of the account and the new deposit amount can be used to hedge the principal of the provident fund or repay the loan for commercial housing, and the existing multi-storey residence can be extracted by elevator.

Adjust the loan principal and interest withdrawal policy. The current policy that "if there are outstanding provident fund loans, the balance of provident fund in employees' and their spouses' accounts can only be used to offset the principal and interest of loans" is adjusted to "if there are outstanding provident fund loans and the repayment is normal, employees and their spouses can withdraw the balance of provident fund accounts to hedge the principal of provident fund loans or withdraw commercial housing loans and install elevators in existing multi-storey houses".

The document requires that if the principal and interest of commercial housing loans are withdrawn, the accumulated withdrawal amount of employees, spouses, * * * and borrowers (borrowers) shall not exceed the amount of loan principal and interest repaid by borrowers.

Extend the loan period of housing provident fund. The current provident fund loan period does not exceed 30 years, and the remaining years of the borrower from the statutory retirement age are adjusted as follows: the provident fund loan period does not exceed 30 years, and the loan maturity date does not exceed 5 years after the borrower's statutory retirement time.

Weifang Housing Provident Fund Management Center explained that the loan maturity date should not exceed 5 years after the borrower's statutory retirement time, that is, men should not exceed 65 years old and women should not exceed 60 years old (female cadres at county level or female senior professional technicians with senior titles can be extended to 65 years old). If the loan applicant and the repayment object reach retirement age, but they are still in the normal repayment period, they cannot go through retirement withdrawal procedures.

Cancel the policy of extracting critical illness. Weifang's current policy of serious illness extraction is beyond the scope of housing provident fund extraction stipulated in the State Council's Regulations on Housing Provident Fund Management and the Housing Provident Fund Extraction Business Standard of the Ministry of Housing and Urban-Rural Development. According to the "Notice of the Provincial Department of Housing and Urban-Rural Development on Self-examination and Self-correction of Housing Provident Fund Policy Adjustment", the withdrawal policy is cancelled.

Adjust the family withdrawal policy. Weifang's current family withdrawal policy "employees, their spouses, parents and children (referred to as family members) can withdraw their housing provident fund at one time within 1 year after obtaining valid purchase vouchers (borrowers and spouses of family members who have used housing provident fund loans cannot withdraw), and family members other than spouses cannot apply for housing provident fund loans after withdrawing according to this policy". Adjusted to: "When a purchaser purchases the first self-occupied house, he can withdraw the housing provident fund of the purchaser's parents and children in one lump sum within 1 year after obtaining a valid purchase certificate (the borrower and spouse who have used the housing provident fund loan among the parents and children cannot withdraw it), and parents and children cannot apply for housing provident fund loans after withdrawing this house according to this policy".

Weifang Housing Provident Fund Management Center explained that this policy is only applicable to buyers who purchase the first set of self-occupied housing to apply for family withdrawal of housing provident fund, while buyers who purchase the second and above houses do not apply for family withdrawal.

Family members with housing provident fund loan records may not apply for family withdrawal, and family withdrawal of purchased houses may not apply for housing provident fund loans.

If the registration date of the house purchase contract or immovable property certificate is within 1 year, the balance of the housing provident fund account as of the date of withdrawal can be withdrawn at one time; If the registration date of the house purchase contract or immovable property certificate exceeds 1 year, the family withdrawal will not be handled.

This is the end of Weifang provident fund loan policy and whether the provident fund must be more than 20 thousand. I wonder if you have found the information you need?