Chongqing provident fund loan amount

What is the loan amount of Chongqing housing provident fund? As far as I know, the latest Chongqing provident fund loan amount includes the following two situations, as follows: Chongqing first-hand housing provident fund loan amount and term: the maximum amount of provident fund personal loan is 80% of the total purchase price, of which the maximum amount of provident fund loan funds does not exceed 400,000. Want to know more about Chongqing housing provident fund loan amount, let's take a look.

What is the loan amount of Chongqing housing provident fund? It is understood that the latest Chongqing provident fund loan amount includes the following two situations, as follows:

First, the loan amount and term of Chongqing first-hand housing provident fund

1, maximum limit

The maximum loan ratio of provident fund personal loan is 80% of the total purchase price, of which the maximum amount of provident fund personal loan does not exceed 400,000 yuan, and it does not exceed twice the maximum amount of personal loan (600,000 yuan) after participating in the loan.

2. Loan amount

The actual loanable amount of the borrower must meet the following conditions:

(1) Loan amount of individual provident fund loan = 50% of the sum of the borrower's monthly income × loan period (month);

(2) The loanable amount of housing provident fund funds in individual provident fund loans = the sum of the balance of housing provident fund accounts of borrowers and spouses × 25;

(3) If the construction area is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20% (inclusive); If the construction area is 90- 144 square meters (inclusive), the down payment ratio shall not be less than 30% (inclusive); The building area exceeds 144 square meters. The down payment ratio shall not be less than 40% (inclusive).

The actual loan amount needs to be determined according to the borrower's credit, housing unit price and other comprehensive factors in the loan review process.

3. Term of the loan

The longest loan period of personal provident fund loans is not more than 30 years, and the longest repayment maturity period is 10 year after the borrower's statutory retirement age.

Second, Chongqing second-hand housing provident fund loan amount and duration

1, maximum limit

The maximum loan amount of provident fund second-hand housing loan is 70% of the lower value and turnover of the purchased second-hand housing, of which the maximum personal loan amount of provident fund does not exceed 400,000 yuan, and it does not exceed twice the maximum personal loan amount (600,000 yuan) after participating in the loan. The maximum amount shall also meet the following requirements:

(1) If the service life of the house is 6-10 years (including 10 years), the loanable amount shall not exceed 60% of the appraised value and turnover of the purchased second-hand house;

(2) If the service life of the house is 10-15 (including 15), the loanable amount shall not exceed the lower 50% of the appraised value and turnover of the purchased second-hand house.

2. Loan amount

The actual loanable amount of the borrower must meet the following conditions:

(1) Total personal loan of provident fund = sum of monthly income of the borrower ×50%× loan period (month);

(2) The loanable amount of housing provident fund funds in individual provident fund loans = the sum of the balance of housing provident fund accounts of borrowers and spouses × 25;

(3) If the construction area is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20% (inclusive); If the construction area is 90- 144 square meters (inclusive), the down payment ratio shall not be less than 30% (inclusive); If the construction area exceeds 144 square meters, the down payment ratio shall not be less than 40% (inclusive).

The actual loan amount needs to be determined according to the borrower's credit, housing unit price and other comprehensive factors in the loan review process.

3. Term of the loan

The longest loan period of personal provident fund loans is no more than 25 years, and the longest repayment maturity period is 10 year after the borrower's statutory retirement age.

Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.

Chongqing Provident Fund New Policy 2022

I. Loan amount

(1) Loan amount

Housing provident fund Personal housing loan The personal loan amount is 25 times of the balance of the housing provident fund account, with a maximum amount of 500,000 yuan for individuals and 600,000 yuan for families with many children.

The loanable amount of both husband and wife participating in the loan is calculated by adding the loanable amount of employees and their spouses, and the total amount of a single housing provident fund loan does not exceed 6,543,800 yuan; The total amount of loans for families with many children jointly participated by husband and wife shall not exceed 6.5438+0.2 million yuan.

(2) Percentage of loans

If the employee's family deposits the employee to purchase the first set of housing, the maximum loan ratio of the housing provident fund personal housing loan is 80% of the value of the purchased housing;

If the employee's family pays the employee to buy a second house, the maximum loan ratio of the housing provident fund personal housing loan is 70% of the value of the house purchased, and the maximum loan ratio of the employee's family with many children is 75% of the value of the house purchased.

(3) Other provisions.

1, the employee's family buys the first second-hand house, and the maximum loanable amount is 80% of the lower of the appraised value of the purchased house and the transaction amount filed by the real estate registration agency;

For the second set of second-hand houses purchased by employees' families, the maximum loan can be 70% of the lower of the appraised value of the houses purchased and the transaction amount filed by the real estate registration agency;

When a family with many children buys a second-hand house, the maximum loan amount is 75% of the lower of the appraised value of the house purchased and the transaction amount filed by the real estate registration agency;

The amount of the first-hand housing replacement loan shall not exceed the remaining principal balance of the original loan at the time of application;

Second-hand housing replacement loans should comply with the provisions of the first-hand housing replacement loans and second-hand housing mortgage loans.

2. The monthly debt paid to the employee's family shall not exceed 50% of the family's monthly income.

Second, the loan interest rate.

The personal housing loan interest rate of housing provident fund shall be implemented in accordance with the provisions of the People's Bank of China, and adjusted with the interest rate adjustment of the People's Bank of China.

At present, the annual interest rate of loans with a term of less than five years (inclusive) is 2.6%, and that of loans with a term of more than five years is 3.1%;

If the employee's family pays the employee to buy a second house, the annual interest rate of the loan for five years or less is 3.025%, and the annual interest rate of the loan for more than five years is 3.575%.

Third, the loan term.

The longest term of housing provident fund personal housing loan is 30 years, and the maturity date of the loan shall not exceed 5 years after the borrower's statutory retirement time.

Fourth, the loan participation regulations.

The borrower's spouse with full capacity for civil conduct may participate in the loan (hereinafter referred to as "participating in the loan") when the housing provident fund has been paid in full and on time for more than half a year. Where the husband and wife jointly participate in the loan, the loanable amount issued to the employees and their spouses is calculated as the personal loanable amount, and the borrower's spouse's participation in the loan is regarded as the * * * of the housing provident fund personal housing loan.

Verb (abbreviation for verb) Other policies and regulations

According to the relevant policies and regulations of the state and our city, provident fund loans support the reasonable housing needs of employees, and do not accept personal housing loans for the purchase of third and above houses and "three noes" personnel housing provident fund.

(1) Criteria for determining the number of newly purchased housing units:

In the aspect of "recognizing housing", when employees' families buy new housing in the central city, they only recognize the number of housing units in the central city; When employees' families buy new houses in counties outside the central city, determine the number of housing units within the city;

In the aspect of "loan identification", only the individual housing loan records of housing provident fund are included in the verification scope.

(two) replacement loan housing demolition standards:

In addition to housing and commercial housing loans for the purchase of housing, there is no record of housing loans paid to employees' families, and there is no housing in this city.

(3) Identification of "three noes":

Refers to individuals who have no household registration, no enterprise and no job in Chongqing at the same time.

1. "Household registration" refers to the household registration of the purchaser in Chongqing;

2. "Self-owned enterprise" refers to the enterprise (including company, partnership enterprise and sole proprietorship enterprise) that the purchaser has invested and established in Chongqing when purchasing the new house 1 year, and the enterprise continues to carry out business activities and has relevant tax payment or social security payment records (except for purchasing shares of listed companies through the secondary market);

3. "Having a job" refers to being employed in Chongqing, participating in social insurance in Chongqing within 1 year, and paying social insurance premiums for more than 12 months (including individual industrial and commercial households and their employees, paying social insurance premiums continuously for more than 12 months in the new year).

(4) determine the families with many children:

A family with many children refers to a worker's family with two or more children.

(e) "mutual recognition and mutual loan" of housing accumulation fund in Sichuan and Chongqing;

Sichuan paid workers apply for housing provident fund and individual housing loans in our city to enjoy the same city treatment.

(six) loans for flexible employees:

Choose the flexible employees designated by our city to deposit and use the products, and pay in full and on time according to the agreement to obtain the loan qualification. In line with the relevant provisions of the city's housing provident fund loan policy, you can apply for the use of housing provident fund loans when purchasing the first and second sets of self-occupied houses.

Sixth, netizens ask questions.

Application entrance and method of Chongqing commercial loan to provident fund loan

Chongqing Housing Provident Fund Management Center has now opened the online reservation function for accepting replacement loans (business-to-business) in the central city.

Each booking channel and step:

(1) Chongqing Provident Fund Center WeChat official account: Chongqing Provident Fund Center-Micro official website-Convenience Service-Loan Appointment-Acceptance Appointment

(2) Mobile APP (click here to scan the code to download Chongqing Housing Provident Fund APP): convenience service-loan appointment-accepting appointment.

(III) Netroom: official website and Chongqing Housing Provident Fund Management Center-Personal Online Service Hall-Loan Appointment-Acceptance Appointment Each channel enters the loan-related information in the "Acceptance Appointment", and the appointment outlet selects "Bank of Communications minzu road Branch", selects the appointment time and time, and carries out face recognition verification according to the prompts. After passing, the reservation is successful, and you will receive a short message prompt of "12329" after the reservation is successful.

(4) Specific acceptance address: 6th floor, Central Asia Building, No.74 Renhe Street, Daxigou, Yuzhong District (opposite to Renhe Street Primary School);

(5) Tel: 023-63853620.

What is the maximum loan of Chongqing provident fund?

The maximum personal limit shall not exceed 400,000 yuan, and the maximum personal limit after the spouse participates in the loan shall not exceed 1.5 times (600,000 yuan).

I. The actual loanable line of the borrower shall meet the following conditions at the same time:

1, total loanable amount = sum of monthly income of the borrower ×50%× loan period (month);

2. The loanable amount of housing provident fund funds = the sum of the balance of housing provident fund accounts of borrowers and spouses ×25 times.

II. Other quota provisions:

The maximum loanable ratio of the second-hand housing mortgage loan is 80% of the lower of the appraised value of the purchased second-hand housing and the transaction amount filed by the real estate registration agency. The application amount of the first-hand housing replacement loan shall not exceed the remaining principal amount of the original loan at the time of application. Second-hand housing replacement loans should comply with the provisions of the first-hand housing replacement loans and second-hand housing mortgage loans.

Extended data:

Article 9 of the Trial Measures of Chongqing Municipality on Housing Mortgage Entrusted Loan for Employees, loan procedures:

I. Application

The borrower goes to the client to fill in the loan application form and provide the following materials:

1, my household registration, ID card or other valid proof of residence;

2. Pre-sale (house purchase) contract registered and approved by the real estate management registration authority;

3. Self-raised deposit certificate;

4, the borrower's unit housing provident fund deposit certificate;

5. Other materials required by customers.

Second, the first instance

The customer conducts a preliminary review of the application, including:

1, check the loan application;

2, approved loan amount and duration, interest rate;

3. Check whether the collateral or collateral meets the requirements.

Third, investigation

After the client has passed the preliminary examination, the trustee investigates the loan and puts forward the investigation opinions.

Four. agree

According to the investigation opinions put forward by the trustee, the client examines and approves the loan and issues a notice (book) of entrusted loan.

5. Sign a loan contract. The trustee and the borrower shall sign the loan contract and related contracts according to the Letter of Entrusted Loan and related materials.

6. Allocate loans. After the loan contract comes into effect, the client will transfer the funds into the entrusted loan fund account, and the self-raised funds deposited by the trustee and the borrower will be transferred into the bank account opened by the selling unit at the time agreed in the loan contract.