Zibo provident fund loan amount

Zibo provident fund loan amount is as follows:

1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million;

2. The specific loanable amount is comprehensively determined according to the deposit of employee housing provident fund and the loanable amount standard of housing provident fund loans, the status and price of purchased housing, individual repayment ability and credit status;

3 workers housing provident fund loan amount is insufficient, you can apply for housing provident fund portfolio loans. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans;

4. The loanable amount of employee housing provident fund is calculated according to the average monthly balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result is rounded to the nearest thousand. If the calculation result is higher than 500,000 yuan, it shall be determined as 500,000 yuan, and if it is lower than 654.38 million yuan, it shall be determined as 654.38 million yuan. The average monthly balance of the employee housing provident fund account is the average monthly balance of the employee housing provident fund account for nearly 12 months (excluding one-time payment for nearly 12 months) when the employee applies for a loan. If it is less than 12 months, it shall be calculated according to the actual number of months.

The provident fund loan process is as follows:

1. The borrower submits personal application materials in the entrusted bank window of the loan service hall; The specific materials are as follows:

(1) Resident ID card, original and photocopy of household registration book and joint repayment commitment letter of the borrower and the borrower (co-borrower, guarantor);

(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);

(3) Legal commercial housing purchase contract or agreement;

(4) Personal credit certificate provided by the borrower and the borrower's unit.

2. Accepted and audited by the entrusted bank;

3, the center for examination and approval;

4. The guarantee company handles the guarantee procedures and issues a guarantee commitment letter;

5. The borrower signs a loan contract with the bank with the letter of guarantee commitment;

6. The borrower shall go through the formalities of entrustment notarization;

7. The Center approves the issuance;

8. The entrusted bank issues loans.

Legal basis: Article 3 of the Regulations on the Administration of Housing Provident Fund.

The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 16

The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Article 17

The new employee starts to pay the housing provident fund from the second month after joining the work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio.

The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.