How much can Zibo housing provident fund loan? Provisions of Zibo Municipality on Provident Fund Loans

The maximum loan amount of Zibo Provident Fund is 600,000 yuan. The maximum loan amount of Zibo Provident Fund is 600,000 yuan.

Zibo provident fund loan policy?

Provident fund loan policy for purchasing commercial housing or second-hand housing (second-hand housing in black font)

Application conditions

Meet the following conditions, you can apply for housing provident fund personal loans:

(1) A natural person with full capacity for civil conduct;

(2) Have a stable occupation and income, and have the ability to repay the loan principal and interest on schedule;

(3) By the date of loan application, the employee's unit has paid the housing provident fund continuously and normally for more than 1 year, and the employee himself has paid it continuously and normally for more than 6 months;

(4) The borrower, * * and the borrower (including the borrower's spouse and other participants in the joint loan) have no outstanding individual housing provident fund loans;

(5) The down payment for house purchase shall not be less than the specified proportion;

If the paid workers' families use the housing provident fund personal loan to purchase the first set of ordinary self-occupied housing, the down payment ratio of the housing provident fund loan shall not be less than 30%; The down payment ratio of the housing provident fund loan for purchasing the second suite shall not be less than 40%.

(6) Having a legal and effective guarantee;

(7) The borrower, the borrower and the guarantor have good assets and credit status;

(eight) other conditions stipulated by the housing provident fund management committee.

Fourth, processing materials.

Purchase of loan materials for newly-built self-occupied housing (purchase of the third and above housing or paid-in workers' families who have used personal housing provident fund loans twice or more may not apply for personal housing provident fund loans);

1. Application Form for Individual Housing Provident Fund Loan in Zibo City in duplicate;

(It can be downloaded from the website of Zibo Housing Provident Fund () or collected in the housing provident fund service hall).

2. 1 Original personal credit report of the applicant and spouse;

(Personal credit report with watermark issued by China People's Bank in the month of applying for loan)

3. Can provide the applicant and spouse's ID card information authorization code, electronic identity information and entity ID card (Hong Kong, Macao and Taiwan compatriots provide corresponding certificates);

(ID card information authorization code and ID card electronic information are presented through the "Love Shandong" APP, "Love Shandong and Love Zibo" APP or the official account of "Zibo Micro Police" WeChat).

4. The original residence booklet of the applicant, spouse and minor children;

(including everyone's index page and single page)

5. The original marriage certificate of the applicant (those who can enjoy data query in Shandong Province will no longer be provided);

(Single employees fill in and sign the letter of commitment for housing provident fund loan business (power of attorney); The divorced employee shall provide the original divorce certificate, divorce agreement or judgment. After 20 1 1, the marriage registration in Shandong Province can be inquired through the data of the Provincial Civil Affairs Department, and marriage certificates and divorce certificates are not provided. )

6. The original invoice of prepaid VAT general invoice; (Original bank voucher or receipt for down payment; The receipt must be signed by the payee and thumbprinted)

7. Original 1 copy of the commercial housing sales contract filed by the housing management department; (1 original contract for the sale of second-hand houses in Shandong Province; )

8. The applicant has a certificate of deposit and use of employee housing provident fund with off-site loans, and the applicant's deposit in the last six months 1 original (off-site loans provided); (Issued by the housing provident fund management center of the deposit place, and the certificate of deposit and use of housing provident fund for employees with loans from different places can be downloaded from Zibo Housing Provident Fund Network ()) (original owner's immovable property certificate (or real estate license, land certificate); )

9. Original query result of registration information of applicant, spouse and minor children 1 copy (provided by loans from different places). (Issued by the real estate registration department at the place of deposit, valid for 30 days) The authorization code of the seller's ID card information, electronic information of the ID card, and entity ID card are all acceptable; (ID card information authorization code and ID card electronic information are presented through the "Love Shandong" APP, "Love Shandong and Love Zibo" APP or the official account of "Zibo Micro Police" WeChat).

10. Original bank card (or passbook) of the seller. (The seller himself will sign on the spot and confirm by fingerprint)

1 1. The applicant's certificate of deposit and use of housing provident fund for employees with loans from different places and the applicant's deposit in the last six months 1 original (provided by loans from different places);

(Issued by the housing provident fund management center at the place of deposit, and the use certificate of housing provident fund deposit for employees with loans from different places can be downloaded from the website of Zibo Housing Provident Fund ()).

12. 1 Original proof of the inquiry results of the registration information of the applicant, spouse and minor children (provided by loans from different places).

(Issued by the real estate registration department at the place of deposit, valid for 30 days)

Tips:

1. When submitting a loan application, all loan materials must be prepared and signed by both husband and wife.

2. As of the loan application date, the employee's unit has paid the housing provident fund continuously and normally for more than 1 year, and the employee himself has paid it continuously and normally for more than 6 months.

3. The applicant and spouse take the deposit base of the housing provident fund as the wage income determination standard [in the case of obvious doubts such as the sudden increase of the deposit base at the time of loan and the adjustment of the individual base by the deposit unit, the average base of the recent continuous normal deposit for 6 months is taken as the wage determination standard; If the borrower's spouse has not paid the housing provident fund, and there is no housing provident fund payment base, the minimum wage standard (announced by the provincial government) in the district where the house is purchased shall be used as the wage income recognition standard]. If the applicant's spouse pays the housing provident fund in a different place, he/she shall provide the proof of the payment and use of the employee's housing provident fund whose spouse has a loan in a different place and the original deposit 1 in the last six months (issued by the housing provident fund management center in the place where it was paid).

4. If there is a balance in the personal housing loan of a commercial bank, it shall be regarded as owning a house. If the query results of real estate registration information prove that the listed housing and the housing loan in the personal credit report correspond to the same set of housing, the commercial bank loan contract of the loan should be provided at the same time to prove that it corresponds to the same set of housing.

Verb (abbreviation of verb) processing place and contact telephone number

1. Zone D, Floor 2, Administrative Service Center, No.971,Linzi Avenue, Linzi District115 # Window Tel: 0533-7 177200.

2. Zhangdian District, Unicom Road 190 Municipal Branch Tel: 0533-520 1735.

3. Floor 2, Zhangdian Sub-center, Housing Provident Fund Service Area,  Municipal Affairs Service Center Hall (No.Xisi Road, Zhangdian District 1 19) Tel: 0533-2307 183.

4. Zichuan Sub-center at Jiangjun East Road 168 Zichuan District Tel: 0533-6022870

5. Boshan Sub-center of B-2 Housing Provident Fund Service Area on the second floor of Boshan District Government Affairs Service Center (No.86 Daguanyuan Road, Shantou Street, Boshan District, Zibo City) Tel: 0533-4 185473.

6. zhoucun district Citizen's Home (No.228 Xinjian East Road, zhoucun district, Zibo) is located at the service desk at the main entrance on the second floor, 30 meters east. Tel: 0533-6 160 172.

7. Huantai Sub-center of Housing Provident Fund Service Area on the third floor of Huantai County Convenience Center (Zhangbei Road, Huantai County, Zibo City 1886) Tel: 0533-82 18404.

8. Gaoqing Sub-center (No.7 Gaoyuan East Road, gaoqing county), Hall C, gaoqing county Municipal Affairs Service Center Tel: 0533-6969588.

9. Yiyuan County New Government Affairs Service Center Hall (the third floor of Luzhong Yiwu Trade City, 300 meters east of the intersection of Lushan Road and Ruiyang Avenue) District D Yiyuan Sub-center Tel: 0533-27558 1 1.

10. High-tech Zone Center, Floor 2, Building B, Chuangye Torch Plaza Government Service Center, Liu Quan Road, Zibo High-tech Zone 1 1 63 Tel: 0533-3582 163.

1 1. Administrative Service Center of Economic Development Zone (east of the intersection of Beijing Road and Fuxing Road 100 m) Tel: 0533-2320355.

Intransitive verb processing mechanism

Zibo housing fund management center branch

Seven, charging standards

No charge.

Eight. Processing time

Working days of Zhangdian Sub-center are 9: 00 am-65438+2: 00 pm 65438+3: 00 pm-65438+7:00 pm.

Working days of Zichuan Sub-center: 8:30- 165438+ 0: 30 pm:13: 30-17: 00 pm.

Working days of other sub-centers are 8: 30am-65438+02: 00pm and13: 30pm-17: 00pm.

Nine. Treatment process

(1) Relevant materials provided by the applicant;

(two) housing provident fund management center to accept;

(three) housing provident fund management center for loan review and loan approval.

X. Processing time limit

Make a decision on whether to grant the loan within 3 working days from the date of accepting the application, and notify the applicant.

What is the loan amount of Zibo provident fund?

Legal Analysis: The maximum loan amount of Zibo Provident Fund is 600,000 yuan. If an employee purchases the first suite and applies for a housing provident fund loan, the maximum loan amount is 600,000 yuan. If an employee purchases a second suite and applies for a housing provident fund loan, and both husband and wife have paid the housing provident fund continuously and the immediate family members have jointly borrowed, the maximum loan amount is 500,000 yuan; Only one party has paid the housing provident fund continuously and normally, and the maximum loan amount is 400,000 yuan.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

The housing accumulation fund system is actually a housing security system and a form of monetization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. The housing provident fund paid by individual employees and the housing provident fund paid by the unit shall be stored in special accounts and owned by individual employees.

Statutory provident fund, also called compulsory provident fund, refers to the provident fund that must be drawn according to the proportion stipulated by law. Arbitrary reserve fund, also known as arbitrary surplus reserve fund, refers to the reserve fund freely drawn outside the statutory reserve fund according to the company's articles of association or resolutions of the shareholders' meeting.

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 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.

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.

Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

The high amount of Zibo provident fund loan is adjusted to 500,000 yuan with a low down payment of 20%.

20 15, 10, 15 to 2020, 10, 14, Zibo will increase housing provident fund loans and relax the conditions for housing provident fund withdrawal.

20 15, 10 June, the general office of the Zibo municipal government issued the Guiding Opinions on Improving the Provident Fund Management System and Expanding Housing Consumption (hereinafter referred to as the Opinions), which pointed out that from June 20 15 to June 2020,10 June,

The high loan amount is adjusted to 500,000 yuan, and the low down payment ratio is reduced to 20%.

According to the opinions, the high amount of housing provident fund loans in Zibo will be uniformly adjusted to 500,000 yuan. The loan period of housing provident fund is extended to 5 years after the borrower's statutory retirement age, and the longest loan period is 30 years. The time indicated on the ID card shall prevail. Those who have reached the statutory retirement age may not apply for loans. The loan period is determined according to the loanable period of the borrower.

The paid workers' families use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing, and the down payment ratio is as low as 20%; For employees' families who own 1 apartment and have settled the corresponding housing loans, if they apply for housing provident fund loans again to improve their living conditions, the low down payment ratio will be reduced from 30% to 20%, and the interest rate for the first suite will be implemented.

Cancellation of the purchase of a second set of ordinary self-occupied housing. The per capita construction area of the existing self-occupied housing shall not exceed the limit of the per capita construction area of Zibo. For the housing provident fund loans originally issued at the interest rate of the second home, refer to the interest rate adjustment cycle stipulated by the People's Bank of China, and adjust the interest rate of the first home uniformly in June 65438+ 10/the following year.

As of the loan application date, the employee's unit has continuously paid the housing provident fund 1 year or more, and the employee himself has paid the housing provident fund for more than 6 months, so he can apply for individual housing loans. If housing provident fund is paid in different places, and now housing provident fund is paid in Zibo, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.

Policies such as heli loan and portfolio loan have landed.

Workers and their spouses, parents (including spouses) and children (including spouses) who normally deposit housing provident fund in Zibo can apply for joint loan business. The purchaser (or spouse with property rights) is the borrower, and all other participants in the joint loan are the same borrower. * * * The borrower should normally deposit the housing provident fund in Zibo, and there is no balance of individual housing provident fund loans. * * * The borrower and his spouse have not provided or have cancelled the housing provident fund loan guarantee for others. The borrower and the borrower's housing provident fund account will be frozen during the loan period. The balance in the provident fund account can be used to repay the loan.

Workers who deposit housing provident fund in their places of employment, whose domicile is Zibo, and who purchase self-occupied housing in Zibo, meet the basic conditions of housing provident fund loans in Zibo, can apply for housing provident fund loans in different places to the municipal housing provident fund management center with the proof of deposit issued by the housing provident fund management center in their places of employment. Workers from Zibo who have paid housing provident fund in Zibo and work in different places can also apply for housing provident fund loans in different places.

Borrowers who have applied for personal housing commercial loans may apply to the Housing Provident Fund Management Center to replace commercial housing loans with housing provident fund loans (that is, commercial loans are converted into corporate loans) during the repayment period, as long as the original commercial loans are repaid normally and there is no loans overdue record, and the housing real estate license and land certificate purchased by the original commercial loans have been settled. The amount of commercial loans to the public shall not exceed the current housing provident fund loan limit, and shall not be higher than the original commercial housing loan balance (take 1000 yuan or more as an integer).

Portfolio loan refers to a loan method in which an individual applies for a housing provident fund loan, which is insufficient to pay the funds needed for buying a house, and at the same time applies for a commercial housing loan from a bank, and the housing provident fund management center and the entrusted bank handle two kinds of housing loans for the individual at the same time. Borrowers applying for portfolio loans must meet the conditions of both individual housing provident fund loans and commercial housing loans. The combined loan amount must meet the relevant provisions of both individual housing provident fund loans and commercial housing loans.

Eligible employees and their spouses, parents and children's housing provident fund can be withdrawn at one time.

Workers have paid the housing provident fund in full in Zibo, and if my spouse and I don't own a house and rent a house in Zibo, they can apply for drawing the housing provident fund of both husband and wife to pay the rent for ordinary self-occupied houses. The withdrawal of housing provident fund to pay rent has been implemented since June 20 15. According to the rent paid by employees and the extraction standard (the rental area is controlled within 90_ _ in principle, the unit rental price is 7 yuan/_, and the extraction amount in the current month shall not exceed the actual contribution of employees and their spouses' provident fund in the current month), the rent of no more than 12 months shall be extracted at one time by the family.

Workers who have paid the housing provident fund normally in Zibo have not applied for personal housing provident fund loans to buy self-occupied houses: the signing date of the commercial housing sales contract for employees who have been filed in the housing management department to buy first-hand houses is less than 3 years; Employees who purchase second-hand houses can withdraw their own, spouse, parents and children's housing provident fund at one time with valid proof materials within 3 years after the deed tax "Tax Payment Certificate" is issued. Parents and children must have the same household registration as the husband and wife. The total withdrawal amount shall not exceed the total purchase price. Withdrawal per capita must have no housing provident fund loan balance. Employees who have applied for individual housing provident fund loans when purchasing owner-occupied housing can apply for withdrawing housing provident fund loans from employees and their spouses every month from the second month of repayment, or withdraw housing provident fund loans to pay off housing provident fund loans in one lump sum after the normal repayment reaches 12 months.

If employees and their spouses have no balance of housing provident fund loans, they may apply to withdraw the housing provident fund of both husband and wife to pay the property fee for a set of self-occupied housing in Zibo. Withdrawal of housing provident fund and payment of property fees shall be implemented from August 20 15, and the amount of each withdrawal shall not exceed 12 months of property fees. Workers and their spouses who have no balance of housing provident fund loans can apply for extracting the housing provident fund of both husband and wife to buy a set of special maintenance funds for self-occupied housing in Zibo within 3 years after obtaining the invoice of special maintenance funds for housing. The withdrawal amount shall not exceed the total amount of paid residential special maintenance funds.

Zibo provident fund loan or housing loan?

/kloc-On 0/6, Jinan Housing Provident Fund Management Center issued a notice to adjust the criteria for determining the first suite of provident fund loans. After the loan is completed, the second suite is still the first set. The New Deal lightened the burden of improved buyers.

17, the reporter learned from the municipal housing provident fund management center that at present, the housing provident fund in Zibo is still implemented according to the original policy, and "houses are recognized but loans are not recognized". Many citizens expect Zibo to introduce relevant policies as soon as possible.

"At present, we have not received the relevant notice to adjust the criteria for determining the first suite of housing provident fund loans, or according to the previous policy." 17, the staff of the municipal housing provident fund management center told the reporter that the housing provident fund in Zibo is still "admitting housing but refusing loans". The identification of the first suite depends on whether there is real estate under its name. If there is a second suite, it is regarded as a second suite, but the first set of provident fund loans has not been paid off, the second set of housing can no longer use provident fund loans, and the third set of housing can not be loaned.

According to the staff of the Municipal Housing Provident Fund Management Center, if citizens buy the first suite under the names of both husband and wife, including their children, and the housing area is less than 90 square meters, the down payment for the first suite is not less than 20%. With the housing provident fund loan, the first suite can borrow up to 80% of the remaining house price; If the area is more than 90 square meters, the down payment for the first suite shall not be less than 30%, and the first suite can use the housing provident fund loan to borrow 70% of the remaining house price. For the second suite, it depends on the area of the first suite. If the first suite exceeds the per capita housing area of 40.37 square meters in Zibo, the second suite cannot be loaned. If the area of the first suite does not exceed 40.37 square meters, the down payment for the second suite is 50%, and the maximum loanable remaining house price is 50%.

In terms of interest rate, if it is the first suite, the interest rate is 3.5% for loans for less than 5 years, 4.0% for loans for more than 5 years, and the interest rates for the second suite are 10%, 3.8% and 4.4% respectively. The maximum loan amount is 400,000 yuan, and the loan period does not exceed 30 years. The loan term plus the applicant's age shall not exceed five years after the applicant's statutory retirement age. Those who have reached the statutory retirement age may not apply for loans.

There are so many regulations on provident fund loans in Zibo.