How much can Wuxi provident fund pay and how much can it borrow?

1. How much can Wuxi provident fund pay and how much can it be loaned?

It is best to pay only 12% of salary for Wuxi provident fund, and the maximum loan limit of Wuxi provident fund is 500,000.

The maximum loan amount normally paid by the borrower into the housing provident fund is 300,000 yuan; The maximum loan amount for both the borrower and the spouse to normally deposit the housing provident fund is 500,000 yuan.

2. What is the upper limit of Wuxi provident fund?

Legal analysis: Wuxi provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. The calculation of the loan amount of Wuxi provident fund should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. Generally speaking, the maximum loan amount of Wuxi housing provident fund is 800,000 yuan. However, a lender with a credit rating of 3A can still get a 30% discount on the maximum loan amount. Therefore, the maximum amount of housing provident fund loans can reach 6.5438+0.04 million. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

3. What is the maximum loan for Wuxi housing provident fund?

According to the current national policy, the loan ratio of provident fund is 1:25, which means that the loan of 1.3 million yuan can reach 325,000 yuan. I think this policy should be implemented in Wuxi. Anyway, we have been implementing it in Chongqing for one year. If it is a provident fund loan, there is no big down payment. Anyway, it's the house payment MINUS what you can borrow from the provident fund, and the rest is the down payment. Second-hand housing down payment 30%, first-hand housing down payment may be 20%.

How much can Wuxi housing provident fund loan?

According to the relevant provisions of Chongqing housing provident fund loans:

Employees who meet the conditions of provident fund loans can use their own provident fund loans to buy houses, and the other spouse (non-children) can apply for loans. The maximum loan amount after the loan is 15 times of the sum of the balance of husband and wife provident fund accounts, with a maximum of 400,000.

The longest term of provident fund loans is 30 years (25 years for second-hand houses), and the longest repayment period is 10 years after the borrower's statutory retirement age.

However, those who meet the following conditions can also use their own provident fund loans, and one of the spouses can participate in the loan, specifically using the conditions of provident fund loans:

A natural person who has paid the housing provident fund in full and on time for more than one year and has full capacity for civil conduct;

(2) Identity cards and household registration books (or other valid residence certificates) of borrowers and property owners (including spouses);

(3) A legal and effective Chongqing Commercial Housing Sales Contract;

(4) proof that self-raised funds of not less than 20% of the total purchase price have been paid;

(5) proof of income of the borrower and spouse;

6 proof of the marital status of the borrower and the property owner (including the single certificate);

⑦ Transfer certificate issued by the sales unit.

Want to know more about the policies of provident fund management, please visit the website of Chongqing Housing Provident Fund (www.cqgjj.cn).

Or telephone (63651163,63654002).