Yangzhou provident fund loan policy 2023

In 2023, Yangzhou provident fund loan policy was adjusted, and the loanable amount was increased to 900,000. The maximum loanable ratio of the first suite is 80%, the maximum loanable ratio of the second suite is 70%, and the repayment period is up to 30 years. At the same time, eligible employees can also apply for provident fund rental.

Adjustment of Yangzhou provident fund loan policy in 2023. According to the new policy, the loanable amount of provident fund loans has been increased to 900,000 yuan, of which the maximum loanable ratio of the first suite is 80% and the maximum loanable ratio of the second suite is 70%. In addition, the repayment period can be as long as 30 years, which greatly reduces the repayment pressure. Provident fund rental, eligible employees can also apply for provident fund rental, and their standards and application procedures can be consulted at the local housing provident fund management center. This policy aims to facilitate employees to rent houses and improve the quality of renting scenes. It should be noted that applying for provident fund loans must meet certain conditions, such as the continuous deposit time and monthly deposit amount of provident fund in this city. When applying, you need to provide ID card, house purchase contract, bank account and other related materials.

If you find that the repayment burden is too heavy after applying for provident fund loans, can you apply for adjusting the repayment method? If the repayment pressure is too high, you can consider applying to the loan bank to adjust the repayment method. Common adjustment methods include extending repayment period, reducing monthly repayment amount, prepayment, etc. It should be noted that different banks may have different adjustment policies and standards and need to consult specific banks.

After the adjustment of Yangzhou provident fund loan policy in 2023, the loanable amount will be increased to 900,000, with the highest loanable ratio of 80% for the first suite and 70% for the second suite. At the same time, eligible employees can also apply for provident fund rental. To apply for provident fund loans, you need to meet certain conditions and provide relevant materials. If you have difficulty in repayment, you can consider applying to the bank to adjust the repayment method.

Legal basis:

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. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.