What is the loan amount of Changchun provident fund? How many times is the balance?

Changchun adjusts provident fund loan policy

Recently, a number of property market hotspots have released a new provident fund policy. Among them, Jilin Changchun clearly proposed to increase the first loan amount of provident fund for families with many children, and the loan amount of "three-child families" can be increased by 200,000 yuan on the basis of the maximum loan amount.

Release the new provident fund policy in many places

On June 2, 65438, Changchun Housing Provident Fund Management Center issued the Notice on Adjusting the Individual Housing Loan Policy of Changchun Housing Provident Fund, which clearly stipulated that the place of purchase was in the main urban area and development zone of Changchun (excluding Shuangyang District and Jiutai District): if there is a borrower, the maximum amount of a single loan is 900,000 yuan; No borrower: 600,000. If the provident fund for giving birth to and raising two or three children is paid to the employee's family and the provident fund loan is applied for for the first time, the loan amount of "two-child family" can be increased by 654.38+10,000 yuan on the basis of the maximum amount of a single loan; The loan amount of "three-child family" can be increased by 200,000 yuan on the basis of a single maximum amount.

The "Notice" also clarified that the purchase place is in Shuangyang District and Gongzhuling City of Changchun City: if there is a borrower with the same name, the maximum amount of a single loan is 650,000 yuan; 500,000 yuan without the borrower; The voluntary payer in Gongzhuling City is 300,000 yuan. The purchase place is in Jiutai District, Yushu City and Nong 'an County, dehui city: if there are the same borrowers, the maximum amount of a single loan is 450,000 yuan; No, the borrower is 300 thousand.

Guangzhou Housing Provident Fund Management Center recently issued the Notice of Guangzhou Housing Provident Fund Management Center on Continuing to Implement the Staged Support Policy for Rent Extraction, which pointed out that if depositors, their spouses and minor children do not own houses, rent houses for their own occupation, have no lease contract or the lease contract is not registered, they will continue to implement the rent extraction limit according to the standard of 900 yuan per person per month. The notice shall take effect on June 65438+ 10/day, 2023, and the validity period is 1 year. At present, the upper limit of monthly withdrawal is 96 19 yuan, which is dynamically adjusted with the average monthly salary of employees in the previous year.

Prior to this, Guangzhou Housing Provident Fund Management Center stipulated that from May, 2022, the withdrawal limit for renting houses would be raised from 600 yuan to 900 yuan per person per month.

Changchun provident fund loan amount

The loan amount of Changchun provident fund is in Changchun urban area: there are 700,000 borrowers and 500,000 borrowers.

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First, the loan application conditions

1. The borrower and * * * have legal and valid identity documents;

2. The borrower and the borrower have full capacity for civil conduct;

3. The borrower or the borrower has the ability to repay the loan principal and interest;

4. The borrower and * * * the same borrower shall pay the down payment for the house purchase to the property owner who has purchased the owner-occupied house and relevant supporting documents according to the specified proportion;

5. The borrower or the borrower * * * has continuously paid the housing provident fund in full for more than 6 months (inclusive) according to the regulations;

6. The house purchased by the borrower has a real estate license or a house ownership certificate, and the house age is less than 39 years. The seller and the owner have the right to completely dispose of it;

7. The borrower and * * * the same borrower are employees who have paid housing provident fund in other cities (states) in the province, or employees who have paid housing provident fund outside the province and registered in the administrative area of Changchun City, who purchase owner-occupied housing in the administrative area of Changchun City and meet the application conditions of individual housing loan for housing provident fund in Changchun City;

8. The borrower and the borrower have good credit and meet other conditions stipulated by the state and the housing provident fund management committee.

Should provide loan requirements

The following are the core requirements:

1. The original and two copies of the ID cards of the borrower, the borrower, the seller and the owner (copy on A4 paper, the same below);

2. The original and two copies of the household registration book, the first page of the household registration book, the borrower's page, the same borrower's page, the seller's page, and the personal use page (the marital status of the household registration book must be consistent with the actual situation);

3. Marriage certificate between the borrower and the borrower, the seller and the owner of * * * * (marriage certificate, divorce certificate, judgment or civil mediation, 2 originals and copies);

4. Two copies of the repayment card (debit card) entrusted by the borrower;

5. Housing transfer contract, bank fund supervision agreement and down payment receipt between the borrower and the seller;

6. Deed tax payment certificate, value-added tax invoice and real estate registration fee invoice after the house purchased by the borrower is renamed;

7. The original and two copies of the property right certificate or property ownership certificate of the house sold by the seller, and the entrusted bank card (collection account);

8. If the borrower, * * * and the borrower deposit the housing provident fund in different places, provide the certificate of deposit and use of the housing provident fund for employees with loans in different places and the details of the deposit of the housing provident fund;

9. The validity period between the borrower and the borrower is a credit report.

The single maximum amount of housing provident fund loans in Changchun Province was raised to 900,000 yuan.

On July 13, Changchun Provincial Housing Provident Fund Management Sub-center issued a notice on adjusting the policies related to housing provident fund personal housing loans (hereinafter referred to as the "Notice"), claiming to increase the single maximum amount of housing provident fund loans.

According to the "Notice", the single maximum amount of new commercial housing loans with * * * borrowers will be raised to 900,000 yuan; If there is no borrower, the single maximum amount will be raised to 600,000 yuan. For the stock house loan, if there is a borrower, the single maximum amount will be raised to 700,000 yuan; If there is no borrower, the single maximum amount will be raised to 500,000 yuan.

In addition, the notice pointed out that the calculation multiple of the personal account balance of the second loan will be increased. The second application for personal housing provident fund loan can be increased to 20 times the sum of the balance of the borrower and the borrower's housing provident fund account under the premise of not exceeding the maximum amount of a single loan.

It is reported that the notice will take effect from July 13, and the implementation period is June 65438+February 3 1 2022. Other housing provident fund individual housing loan policies not covered by the Notice remain unchanged.

Maximum amount of personal loan of Changchun provident fund

Two or more people (inclusive) apply for housing provident fund loans to purchase the same set of ordinary self-occupied housing loans, and the loan amount is adjusted from 350,000 yuan to 400,000 yuan.

The maximum loan amount for one person to apply for housing provident fund loans is adjusted from 200,000 yuan to 250,000 yuan.

It is understood that in March 2065438+2008, in order to alleviate the financial pressure, the housing provident fund of our city issued a policy of tightening loans. As of 202 1, 12, and 3 1, the personal loan ratio dropped from the highest 98.0% in 20 19 to 79.8 1%. The personal loan rate has been below 85% for three consecutive months, the net flow of funds is positive, and the liquidity is gradually plentiful.

In order to better meet the housing loan demand of employees, increase the support for housing employees, further promote the housing provident fund business in our city, and promote the stable and healthy development of the real estate industry in our city, on the basis of fully ensuring the liquidity and safety of the housing provident fund, yesterday, Maoming Housing Provident Fund Management Committee issued the Notice on Adjusting the Maximum Amount of Personal Housing Loan of Housing Provident Fund in our city, and combined with the actual situation, increased the maximum amount of personal housing loan of housing provident fund by 50,000 yuan. At present, the policy adjustment has been implemented.

On the same day, Maoming Housing Provident Fund Management Committee also issued the Notice on Implementing Preferential Loan Quota of Commodity Housing Provident Fund for High-level Talents and Assembled Construction Projects in our city, and implemented preferential loan quota policy for high-level talents housing provident fund loans and assembled construction projects recognized by the housing and construction departments.

1. In general, as long as we apply for a loan on the loan platform, our name will be linked to the credit information. At this time, once it is overdue, our credit information will be defiled, and for us, once it is defiled, it can't be washed away anyway. Therefore, when we borrow money from small platforms, large platforms or bank cards, we must repay the loan amount in time, otherwise, the impact of credit pollution will be very great.

2. Some people may not know the disadvantages of being tainted by credit information. Simply put, if a person's credit information is defiled, it will not only affect credit, but also seriously affect daily life and travel. Before, a relative in the family became a borrower and guarantor when lending money to others. When the repayment comes, the borrower has no money at all, and the repayment naturally falls to the borrower and the guarantor. At that time, the relative didn't want to help others pay their debts, so his credit information was also seriously affected. At that time, the borrower had run away, and my relatives' credit information was completely polluted. As a result, I can't buy high-speed rail tickets and plane tickets when I buy tickets to go home for the New Year, so I can only go home by slow train and long-distance bus. This has a very serious impact on our daily life and traffic.

This is the end of the introduction about the loan amount of Changchun provident fund and how many times it is. I wonder if you have found the information you need?