Beijing Provident Fund Loan Policy in 2023

Beijing provident fund loans can be borrowed 654.38+10,000 yuan per year. If the maturity is less than 654.38+0, the maximum loan can be 6.5438+0.2 million yuan according to the calculation of 654.38+0. Under the following circumstances, the loan amount can be increased:

1. If the household registration of the loan applicant is in Dongcheng District or Xicheng District of Beijing, the maximum loan amount can be increased by 200,000 yuan to 6,543.8+0.4 million yuan if the first home is purchased outside the six districts of Beijing (Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai and Shijingshan).

2. If the loan applicant's household registration is in Chaoyang, Haidian, Fengtai and Shijingshan District, the maximum loan amount can be increased by 6.5438+0.3 million yuan to 6.5438+0.3 million yuan if he buys the first house outside the six districts of the city.

3. If it does not belong to the above two situations, buy the first house with a maximum loan amount of 6,543,800+0.2 million.

4. In line with the second home loan policy, the maximum loan amount is 600,000 yuan.

Note: The New Deal lowered the maximum loan amount of the second home loan from 800,000 yuan to 600,000 yuan. The formula for calculating the loan amount of the provident fund is as follows: loan amount = (monthly individual payment amount/payment ratio-minimum living guarantee amount)/monthly repayment coefficient corresponding to the loan period.

The materials to be prepared for withdrawing the provident fund are:

1. You need to write a withdrawal application.

2. The identity information of the applicant, such as the original and photocopy of the ID card.

3. The applicant shall fill in the application for withdrawal. In addition, you need to prepare the down payment receipt and purchase contract for the first suite. If it is a second suite, you need to submit the house ownership certificate and deed tax certificate. After verification, the unit shall issue a certificate of extraction.

legal ground

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.

Beijing provident fund loan policy

Beijing provident fund policy is:

First, when applying for housing provident fund loans, "recognize housing and loan".

Two, the implementation of the loan amount and the loan applicant housing provident fund deposit period linked. In order to reflect the fairness and justice of the system, the loan can be 6,543,800 yuan per year. If the deposit period is less than 654.38+ 0, the maximum loan can be 6,543,800 yuan+0.2 million yuan according to the calculation of 654.38+0.

3. Distinguish the maximum loan amount.

Fourth, the down payment ratio was adjusted according to the current commercial loan policy.

5. The loan term has been adjusted. The loan term can be calculated from the longest to the borrower's 70 years old, and adjusted to the longest 65 years old in principle.

6. Adjust the monthly repayment amount.

Seven. Adjust the guarantee method.

Eight, streamline the loan application materials.

Nine, streamline archival materials.

Article 1 of the Notice of Beijing Housing Provident Fund Management Center on Adjusting Housing Provident Fund Individual Housing Loan Policy

When applying for a loan, the loan applicant shall meet the following conditions:

(a) when applying for a loan, the borrower shall continuously deposit the housing provident fund for more than half a year (inclusive) and the housing provident fund account is in a normal deposit state; Retirees have paid housing provident fund before retirement.

(2) The loan applicant must be qualified to buy a house in Beijing; Apply for a loan to pay for the house you bought.

(three) the loan applicant has no housing loan record and no housing in this city, according to the first home loan policy; Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy. If there are two or more houses approved, no loans will be granted.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

What is Beijing's provident fund policy?

Legal analysis: if you purchase a house and withdraw the housing accumulation fund, you can withdraw the housing accumulation fund with the purchase procedures or vouchers filed by the real estate transaction or real estate registration department, as well as the invoices and deed tax payment vouchers issued by the tax authorities within 2 years after the purchase. The total amount withdrawn should not exceed the amount paid at the time of purchase. Before the settlement of the housing provident fund loan, the balance of the deposit account of the borrower (including the borrower who has issued the loan certificate in different places and handled the loan in other housing provident fund management institutions) and his spouse can only be used to repay the principal and interest of the housing provident fund loan, and shall not be withdrawn for other reasons. First, the amount of provident fund loans has declined. If both husband and wife establish housing provident fund, the maximum loan amount will be adjusted from 800,000 yuan to 700,000 yuan; Unilateral establishment of housing provident fund, the maximum loan amount is adjusted from 500 thousand yuan to 400 thousand yuan. Second, the down payment ratio of provident fund loans has increased. When applying for provident fund loan for the first time, provide a down payment invoice of not less than 20% of the total house price, and the maximum loan amount is 80% of the total house price; When applying for a provident fund loan for the second time, provide a down payment invoice of not less than 30% of the total house price, and the maximum loan amount is 70% of the total house price.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 3 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 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to 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.