Ji'nan provident fund policy
source: Shun Net - Ji'nan daily
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buying a house is a big thing, relaxing policy is a good thing, for the public, this year is the "welfare year" of the provident fund policy Not only to reduce the loan interest rate, but also to relax the loan threshold, relax the conditions of extraction, equal to the disguise to encourage the public to buy a house, this is not, in May just reduced the two suite down payment standard, the last few days down again. Although the policy of frequent change is good, it also makes many citizens disorderly, what are the conditions for the current provident fund loan? How does the preferential treatment? How do the loans operate? (Note: some policies began to execute after October 15th)
accumulation fund
question: has the loan be followed down?
Some people are happy about the frequent reduction in lending rates. Mr. Li, a citizen of Ji'nan, just completed the loan of provident fund in February 2015, is not a good policy to reduce the interest rate of the provident fund?
the staff of the Ji'nan housing provident fund management center said that the loan interest rate will be recalculated according to the new public loan interest rate every year, such as Mr. Li. The annual meeting will recalculate the interest of the remaining principal on the basis of the new interest rate, and then calculate the amount of the monthly return. Mr. Li does not have to come to the court, as long as the new amount is returned to the mortgage.
extraction of
premise: continuous full payment of housing provident fund for 3 months
: purchase of home purchase: within three years of buying own housing and effective purchase voucher, the housing provident fund of both husband and wife, parents and children can be extracted in one time and the parents and children must be married to the husband and wife. One party is the same domicile. The total amount of the purchase amount shall not exceed the total amount of the purchase.
rent extraction: continuous payment for 3 months, no property, no loans, the housing provident fund can be extracted from both husband and wife to pay rent. Each person can be extracted once a year, and the interval between two extraction times is not less than 12 months.
extraction of property fees: only one application per person per year is required, with no more than 1000 yuan per extraction amount.
do not buy a house and not rent only to see the balance of the account "sleep"
a lot of people exist this phenomenon, the account balance of a lot of money, but not to buy a house, not rent, can only wait for retirement? No, there are still a lot of ways. In addition to the provident fund policy to allow the purchase of the purchase, rental, property fees, refurbishment, leaving a variety of cases, your parents, children can also buy your provident fund, if these you do not need, that is no way, only wait for retirement.
Loan
Loan premise: account full 6 months full payment of
loan amount: the maximum amount of personal loan is 300 thousand yuan; the maximum family loan amount is 600 thousand yuan.
quota calculation: two ways to choose the best
15 of the 1. provident fund account balance. According to the new formula,
2. is limited by the age of deposit and the age of loanable years. Calculation method: my provident fund monthly payment base (the last 6 months average) x 12 x loan years x 50% * my continuous deposit time coefficient
- down payment ratio: the first suite: the total amount of 20%, no area limit. Two suites: the first suite of public loans, the down payment is 20% of the total housing.
loan age: the loan period is extended to 5 years after the legal retirement age of the borrower.
- time limit: 20 working days or so
question: can the provincial provident fund and the municipal provident fund be combined to loan?
in Ji'nan, if the city provident fund lenders are the main borrowers, regardless of the provincial provident fund in which city, the principle is all right.
necessary materials and precautions. Consult loan bank when lending.
return loan repayment
for example, Mr. Wang's personal housing provident fund account balance is 80 thousand yuan, the individual housing provident fund loan has been reimbursement for a year, the annual repayment of 20 thousand yuan, according to the extraction policy Mr. Wang can extract up to 20 thousand yuan. The remaining 60 thousand yuan, Mr. Wang can use the loan service, directly used to repay the personal housing provident fund loans, and then according to their own needs to reduce the monthly supply or reduce the length of the loan.
doubt: can commercial loans be repaid?
commercial loans can not be repaid. But you can take the purchase contract and invoice or property certificate to handle the withdrawal of the provident fund account balance. The required materials and application form can be found on the Ji'nan housing provident fund website.
related news
why does the developer refuse to use the public loan?
there is such a situation: the unit has given the housing provident fund, and it also conforms to the various use conditions, that is, in recent days, some of the buildings in Ji'nan have appeared. People can not understand, no matter what loans, for developers is a lot of money, do not know why it is difficult to make this policy for the buyers, not to use the provident fund?
Mr. Wang bought a purchase of such an embarrassing thing: the use of a loan of a square meter of 7800 yuan, the use of a public loan of a square meter of 8700 yuan. Compared with the direct refusal to use provident fund, this is a disguised way to encourage buyers to use commercial loans.
the sales personnel said that the accumulation fund will bring money to developers to slow down the problem, so it is treated differently on the unit price and encourages buyers to use commercial loans.
what is the attitude of the bank? The people concerned say that in the time of the loan, the loan is about two weeks, and the provident fund loan will take at least one month, the fund commercial mixed loan time is longer, and a half month. For the provident fund loan information, banks are generally reluctant to accept, unless the customer comes to the door, the bank will accept it. In addition, bank staff are unwilling to make public loans, which is related to their personal interests. Commercial loans belong to the bank's own business, while public loans are agents, which have no effect on personal income. The provident fund of the bank is the money of the provident fund center, the interest income is all owned by the provident fund center, the bank has no income, and the employees of the bank are basically voluntary labor. And the material must be first reported to the Bank review, the Bank review the report to the central provident fund center, materials often out of a variety of mistakes, back to the bank, the bank will have to notify the lender to re apply the application process, the process is very heavy, and will delay a lot of time. Therefore, the cooperative relationship between developers and banks determines that developers naturally want to lend more commercial loans to banks. Developers in order to quickly return money, will generally cooperate with banks, let buyers try to use business loans.