the public in Ji'nan housing provident fund management center for business trainee reporter Zhang Xiaoli (information photo) / Trainee caosi
September 26th, reporter From the housing provident fund management center of Ji'nan, the housing provident fund loan policy of Ji'nan will be adjusted in October 8th, involving 4 aspects. The new policy stipulates that the continuous deposit of provident fund for more than 12 months can apply for the funds and loans; at the same time, the first set of ordinary self living housing is purchased using the housing provident fund loan, and the proportion of the first payment under the area of 90 square meters (including) is reduced from 30% to 20%.
[b] (>) adjust one to one person to deposit provident fund family maximum loan 250 thousand yuan [/b]
new policy stipulates, one person pays housing provident fund staff family application housing provident fund loan the maximum loan amount is 250 thousand yuan (Zhangqiu, Pingyin, Jiyang, Shanghe is 200 thousand yuan), do not need to provide guarantor or joint return A man.
two people and above paid housing provident fund for housing provident fund loans, the maximum loan amount is still 500 thousand yuan (Zhangqiu, Pingyin, Jiyang, Shanghe for 400 thousand yuan).
[b] / > adjusted two for more than 12 months in order to apply for the second adjustment contents of the new policy of the loan [/b]
for the borrower to continue to deposit the fund for more than 12 months before the loan is required before the loan.
it is understood that the previous requirement is to deposit 6 months to apply for provident fund loans.
[b] / > adjust the three loan amount according to the borrower's deposit. The new policy of [/b]
adjusts the calculation method of the loan amount, and the amount of the housing provident fund loan is determined according to the borrower's accumulation fund.
reporter learned that the original formula has two: the loan amount of the housing provident fund = the borrower and the common repayer's accumulation fund account balance * 15; the amount of the loan of the provident fund = the borrower and the spouse to calculate the monthly salary base of the housing provident fund for 12 months x 40%. After the adjustment, the first calculation method is retained, and the second calculation method is no longer used.
at the same time, both the husband and wife and the family members of the common members of the housing accumulation fund should be combined to calculate the amount of their loans; one person who has deposited the housing provident fund of the family, if they can provide the common repayment of the common repayment of the provident fund, can be treated by the family in accordance with the mutual accumulation fund of the two parties, to calculate the amount of the loan.
[b] / > adjustment of four first suites under 90 square meters down payment ratio to 20%[/b]
in accordance with the previous provisions, the first use of housing provident fund loans to buy a house, the first payment ratio of 30%.
the new policy is to use housing provident fund loans to buy the first set of ordinary self living housing. The proportion of the first payment below 90 square meters (including) is reduced from 30% to 20%, and the proportion of the first payment for the housing of more than 90 square meters is 30%. The
second sets of housing provident fund individual housing loans are only limited to the ordinary self living housing that the workers buy to improve the living conditions. The proportion of the first payment of the second housing provident fund for individual housing loans shall not be less than 60%, and the loan interest rate should not be lower than 1.1 of the first housing provident fund individual housing loan interest rate. Double.
[b] [constant policy] purchase third suites to ban provident fund loans [/b]
continue to enforce the prohibition of the payment of housing provident fund personal housing loan policy to the households who have purchased third or more housing.
in addition, other housing provident fund loan policies remain unchanged.
the Ji'nan provident fund loan policy has been adjusted since October 8th, using the provident fund loan to buy a house --
first suite 90 below the down payment 20%