What are the policies for Wuxi provident fund loans?

1. What are the policies for Wuxi provident fund loans?

Near the end of the year, more and more Wuxi citizens began to care about Wuxi provident fund loan policy, asking what policies are needed for Wuxi provident fund loan now? In order to further standardize the housing provident fund individual housing loan policy in our city and promote the healthy and stable development of the real estate market in our city, according to the Notice on Forwarding (Su Guan 20 10550) issued by Jiangsu Provincial Department of Housing and Urban-Rural Development and other four departments, combined with the actual situation in our city, we now put forward the following implementation opinions on issues related to standardizing the housing provident fund individual housing loan policy: Article 1. Housing provident fund individual housing loans (hereinafter referred to as provident fund loans) can only be used for the purchase and construction of paid employees. It is strictly forbidden to use provident fund loans for speculative purchases. The second is to maintain the continuity and stability of the policy of paying employees' families (including borrowers, spouses and minor children, the same below) to use provident fund loans for the first time to purchase ordinary self-occupied housing. If the employee's family handles the first provident fund loan, and the construction area of Xing Tao (hereinafter referred to as the area) is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20% of the total housing price; If the area is more than 90 square meters, the down payment ratio of the loan shall not be less than 30% of the total house price. The total house price is subject to the lower of the assessed house price or the actual house purchase price. Article 3. The second provident fund loan is only applicable to employees' families whose housing area is less than 1.20 square meters when they apply for provident fund loan for the first time, and the loan purpose is limited to the purchase of ordinary self-occupied housing with improved living conditions. The down payment ratio of the second provident fund loan is not less than 50% of the total house price, and the loan interest rate is 1. 1 times of the first provident fund loan interest rate in the same period. Fourth, stop issuing provident fund loans to employees' families who have applied for provident fund loans to buy houses for more than three times (inclusive). Fifth, appropriately adjust the maximum loan amount of each grade of provident fund loans: (1) The maximum loan amount for a borrower to normally pay housing provident fund is adjusted from the current 400,000 yuan to 300,000 yuan; (two) cancel the maximum loan amount for the borrower himself and more than one member of the same family to pay the housing provident fund; (3) Under normal circumstances, the maximum loan amount paid by the borrower and the spouse to the housing provident fund remains unchanged at 500,000 yuan. Sixth, cancel the loan ratio of the existing provident fund loans. Seventh, adjust the calculation method of provident fund loan amount. Calculated according to the following two methods, take the smaller value as the upper limit, and it shall not exceed the maximum loan amount of the corresponding grade: (1) total house price ×( 1- specified loan down payment ratio). (2) 10 times of the balance of the borrower's housing provident fund deposit (based on the data at 12 the night before applying for the provident fund loan). If the borrower's spouse meets the conditions of provident fund loan, the balance of housing provident fund deposit can be calculated together. If the spouse of the borrower who meets the conditions of provident fund loan is an active serviceman, the loan amount shall be 20 times of the balance of the borrower's housing provident fund deposit. Article 8. Workers' families use provident fund loans to buy houses for the first time, and the area is below 90 square meters (inclusive), and they can claim the certificate issued by the right management department that the purchased house is the first suite. If the loan amount is less than 300,000 yuan according to the above provisions, it can be calculated by 300,000 yuan. Article 9. If the borrower or his spouse's housing provident fund is transferred from other places to this city, the housing provident fund shall be paid in full and on time six months before the transfer, and the transferred unit is in a normal state of remittance and payment, and there is no default. Borrowers who have paid housing provident fund in this city for one month can apply for provident fund loans. Tenth, if the borrower fails to pay the housing provident fund in full and on time during the repayment period due to subjective reasons, the municipal housing provident fund management center shall recover its loan in advance.

Second, the new policy of Wuxi provident fund loan 2023

What is the policy of Wuxi provident fund loan? Let's see the answer!

Wuxi provident fund loan policy

public

Wuxi's new provident fund policy was implemented on June 1, and the housing provident fund loans submitted and entered into the central system before June 19 1 were still implemented according to the original loan policy.

Potential borrower

Housing provident fund loans are issued to families of workers who buy a second set of self-occupied housing. Stop issuing housing provident fund loans to paid workers' families who buy third and above houses.

"Workers and families have no housing provident fund loan records, and there is no room to buy self-occupied housing in this city.

"The second set of owner-occupied housing" refers to the owner-occupied housing of workers' families:

Work record, and no housing in this city;

There is only one set of housing under the name of the employee's family;

There is only one record of housing provident fund loan in the name of the employee's family and only one house in this city, and the self-occupied house purchased by this loan is the same house.

Note: "Employee's family" includes loan applicants, spouses and their minor children.

Letter of credit clause

1. The loan applicant paid the housing provident fund to our center on time, in full and continuously within six months before the month of loan application, and did not owe the housing provident fund two years before the month of loan application;

2. The housing purchased by the loan applicant is self-occupied ordinary housing;

The owner or co-owner of the house helps the source of income and pays the principal and interest on time.

5. Providing securities recognized by the GreTai as collateral.

6. Both husband and wife of the loan applicant shall not have outstanding provident fund loans.

loan limit

1, maximum loan amount

When employees' families apply for provident fund loans, if the loan applicant meets the conditions of provident fund loans, the maximum loan amount will be adjusted to 300,000 yuan; If both the loan applicant and the spouse meet the conditions for provident fund loans, the maximum loan amount will be adjusted to 600,000 yuan.

2. Implement the loan amount.

The deposit period of the real applicant's provident fund is linked to the deposit balance.

Workers pay the housing provident fund in full and on time for less than 24 months, which is 5 times;

If the accumulated salary is over 24 months but less than 36 months, it shall be multiplied by the loan amount;

If the employee has paid the housing provident fund in full and on time for a total of 36 months, the loan amount shall be calculated as 10 times of the deposit balance.

If the spouses of the loan applicants meet the conditions for provident fund loans and jointly apply for loans, the loan amount shall be the sum of the provident fund deposit balances of the loan applicants and their spouses multiplied by the corresponding multiples of their respective provident fund deposit years.

If the spouse of the loan applicant who meets the conditions of provident fund loan is an active serviceman, the loan amount will be relaxed to twice the loan amount of the aforementioned loan applicant.

Note: When calculating the deposit period of housing provident fund, the housing provident fund paid in full and on time can be accumulated. The overdue housing provident fund is not included in the calculation range of the deposit period, but it can be included in the calculation when calculating the deposit balance.

3. The loan amount should be linked to the borrower's repayment ability.

On the premise of ensuring the basic living expenses of employees' families, the average monthly repayment amount calculated by the matching principal and interest repayment method shall not exceed 60% of the monthly income of the loan applicant and spouse, and the loan amount and loan term shall be determined. The monthly income is calculated according to the deposit base of the provident fund in the last month before the loan applicant and his spouse apply for a loan. If the borrower's repayment ability is insufficient, collateral or guarantor shall be added according to the requirements of the guarantee company.

If the spouse of the loan applicant who meets the conditions of provident fund loan is an active soldier, the monthly income can be relaxed to 2 times of the deposit base of the loan applicant.

4 provident fund loan amount shall meet the following requirements at the same time, and take the minimum of the following limit standards:

The total house price remaining after deducting the specified proportion of down payment funds;

Maximum loan limit for provident fund loans;

According to the loan applicant and his spouse's housing provident fund deposit period, deposit balance to determine the loan limit;

The loan limit is determined according to the repayment ability of the loan applicant and his spouse.

5. The loan amount for low-income families to purchase affordable housing is not limited by the deposit period and deposit balance, but it should still meet other loan limit standards.

6. If an employee's family purchases the first set of self-occupied housing with a construction area of less than 90 square meters, and the deposit period of the housing provident fund of the loan applicant meets the following conditions, the loan amount may not be related to the deposit balance of the provident fund, but it shall still meet other loan limit standards.

Workers who have paid the housing provident fund in full and on time for less than 24 months can calculate the loan amount according to 50% of the maximum loan amount;

For employees who have paid the housing provident fund in full and on time for 24 months but less than 36 months, the loan amount can be calculated according to 70% of the maximum loan amount;

Workers who have paid the housing provident fund in full and on time for 36 months can calculate the loan amount according to the maximum loan amount.

If the spouses of the loan applicants meet the conditions of provident fund loans and jointly apply for loans, the loan amount shall be the sum of the maximum loan amount of the provident fund of the loan applicants and their spouses multiplied by the corresponding proportion of their respective provident fund deposit years.

What a stupid down payment model

Workers' families purchase the first set of self-occupied housing in the administrative area of Wuxi to apply for housing provident fund loans, and the down payment ratio is not less than 20% of the total housing price; Purchase a second set of self-occupied housing to apply for housing provident fund loans, and the down payment ratio shall not be less than 40% of the total housing price; Buy self-occupied houses in Jiangyin and Yixing and apply for housing provident fund loans. The down payment ratio is not less than 20% of the total housing price.

Address of loan handling: Wuxi Provident Fund Center

3. What are the new regulations for Wuxi provident fund loans?

Wuxi's current provident fund loan newly stipulates the maximum loan amount.

When employees' families apply for provident fund loans, if the loan applicant meets the conditions of provident fund loans, the maximum loan amount will be adjusted to 300,000 yuan; If both the loan applicant and the spouse meet the conditions for provident fund loans, the maximum loan amount will be adjusted to 600,000 yuan.

2. The loan amount is linked to the borrower's provident fund deposit period and balance.

(1) If the employee has paid the housing provident fund in full and on time for less than 24 months, the loan amount shall be calculated as 5 times of the deposit balance;

(2) If the employee has paid the housing provident fund in full and on time for a total of 24 months but less than 36 months, the loan amount shall be calculated as 7 times of the deposit balance;

(3) If the employee has paid the housing provident fund in full and on time for 36 months, the loan amount shall be calculated as 10 times of the deposit balance.

Four, Wuxi provident fund loan new policy 2022

According to the notice issued by Wuxi Housing Provident Fund Management Center on April 12, 2022, those who reduce the deposit ratio or apply for deferred payment of housing provident fund do not need to be overdue. (1) Enterprises can reduce the contribution ratio of housing provident fund by themselves according to their own operating conditions, and the minimum contribution ratio can be reduced to 5% for units and 5% for employees. If an enterprise applies for holdover of housing provident fund, the holdover period shall not exceed 12 months from the date of approval. (2) Due to the epidemic situation, enterprises that failed to pay the housing provident fund in time before May 3, 20221day can be regarded as normal continuous payment after the unit pays the housing provident fund, which does not affect employees' application for provident fund loans. Before 3 1 May, 2022, if the housing provident fund loan cannot be repaid normally, after the unit explains the situation, it may not be overdue, and it will not be submitted to the credit information department as an overdue record to adjust the submitted loan. First, second-home provident fund loans It is reported that at present, the second-home provident fund loan in Wuxi is only for employees' families whose housing area is less than 1.20 square meters when applying for the first-home provident fund loan, and the loan is only used to purchase ordinary self-occupied housing with improved living conditions. If the area of the first suite is above 120 square meters, the provident fund loan cannot be used again. In addition, the down payment ratio of the second-home provident fund loan shall not be less than 50%, and the loan interest rate shall be 1. 1 times of the first-home provident fund loan interest rate in the same period. Second, the third set of housing provident fund loans According to the regulations of Wuxi Housing Provident Fund Center, all the third set of housing provident fund loans in the city are suspended at present. Wuxi housing filial piety provident fund loan object identification standard is "recognizing housing and recognizing loans". "House" refers to the house under the name of the employee's family (including husband and wife and minor children, the same below) registered in the real estate registration center (including Jiangyin and Yixing); "Loan" refers to the housing provident fund loan. "The first set of self-occupied housing" refers to the self-occupied housing purchased by employees' families without housing provident fund loan records and without housing in this city. Legal basis: "Regulations on the Management of Housing Provident Fund" The municipalities directly under the central government, the cities where the people's governments of provinces and autonomous regions are located and other cities with districts (prefectures and leagues) should set up housing provident fund management centers to be responsible for the management and operation of housing provident fund according to the principle of simplification and efficiency. County (city) does not set up housing provident fund management center. The housing provident fund management center specified in the preceding paragraph may set up branches in counties (cities) where conditions permit. The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting.