At present, if it is the first suite, the husband and wife pay the provident fund, and the higher amount is 800,000. If it is the second suite, the higher amount is 600,000. It should be noted that the amount of husband and wife provident fund loans in different regions is different.
Provident fund loan amount:
1. The higher loan amount for a borrower to normally deposit the housing provident fund is 300,000 yuan.
2. The higher loan amount for both the borrower and the spouse to pay the housing provident fund normally is 500,000 yuan.
Calculation of husband and wife provident fund loan amount: husband and wife housing provident fund loan amount = (provident fund paid by husband and wife from the date of loan application to the date of retirement) ×2.
The content of this article comes from: A Complete Collection of Financial Laws and Regulations in People's Republic of China (PRC): including relevant policies, China Law Publishing House.
What is the amount of provident fund loan applied by both husband and wife?
At present, if it is the first suite, the husband and wife pay the provident fund, and the higher amount is 800,000. If it is the second suite, the higher amount is 600,000. It should be noted that the amount of husband and wife provident fund loans in different regions is different.
Provident fund loan amount:
1. The higher loan amount for a borrower to normally deposit the housing provident fund is 300,000 yuan.
2. The higher loan amount for both the borrower and the spouse to pay the housing provident fund normally is 500,000 yuan.
Calculation of husband and wife provident fund loan amount: husband and wife housing provident fund loan amount = (provident fund paid by husband and wife from the date of loan application to the date of retirement) ×2.
The content of this article comes from: A Complete Collection of Financial Laws and Regulations in People's Republic of China (PRC): including relevant policies, China Law Publishing House.
Maximum amount of provident fund loans for both husband and wife
The maximum loan amount of husband and wife provident fund can reach 700,000 yuan. However, when both husband and wife apply for housing provident fund loans, both husband and wife must pay the provident fund, and there is a certain amount of housing provident fund in the housing provident fund account, and both husband and wife must pay the housing provident fund 1 year or more.
The process of handling provident fund loans is as follows:
1. Employees need to go to the housing provident fund management center or relevant state agencies to handle important housing provident fund business;
2. After the employee applies for housing provident fund, the housing provident fund management center will give a reply of allowing or not allowing the loan within 15 working days after accepting the application, and notify the applicant by SMS. If the loan is granted, the relevant entrusted bank shall go through the formalities of provident fund loan;
3. Employees applying for housing provident fund need to provide the guarantee conditions required by institutions.
The conditions for handling provident fund loans are as follows:
1. Borrowers applying for provident fund loans need to have full capacity for civil conduct and hold valid identity documents before they can handle business;
2. The borrower's husband and wife have no bad credit records and meet the national audit standards;
3. Have a stable source of income and the willingness and ability to repay on time;
4. The real purchase behavior occurred within one year, and the source of the house is clear, the procedures are complete and meet the national standards, and there is no legal requirement;
5. There are no outstanding other provident fund loans;
6. The purchased house will become the mortgage condition of the institution; Or provide a guarantee in a way recognized by the state.
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Husband and wife provident fund loan amount
Legal analysis: the loan amount of housing provident fund is determined by the housing provident fund management Committee, and the specific amount is determined by the housing provident fund management Committee established by the city where the people's governments of municipalities, provinces and autonomous regions are located and other cities with districts (prefectures and leagues). The amount of husband and wife loans is higher than that of personal loans, and the loan amount needs to be further determined according to the payment of provident fund. The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities divided into districts (prefectures and leagues) shall set up housing provident fund management committees as decision-making bodies for housing provident fund management. Among the members of the Housing Provident Fund Management Committee, responsible persons and relevant experts from the people's government, construction, finance, People's Bank and other relevant departments account for 1/3, trade union representatives and employee representatives account for 1/3, and unit representatives account for 1/3.
The director of the housing provident fund management committee shall be a person with social credibility.
Legal basis: Regulations on the Management of Housing Provident Fund
Ninth housing provident fund management committee shall perform the following duties in the management of housing provident fund:
(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;
(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;
(three) to determine the maximum loan amount of housing provident fund;
(four) approval of housing provident fund collection and use plan;
(five) to consider the housing provident fund value-added income distribution plan;
(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.
Article 10 The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities divided into districts (prefectures and leagues) shall set up housing provident fund management centers in accordance with the principle of simplification and efficiency, and be responsible for the management and operation of housing provident fund. County (city) does not set up housing provident fund management center.
The housing provident fund management center specified in the preceding paragraph may set up branches in counties (cities) where conditions permit. The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting.
Housing provident fund management center is an independent institution directly under the Municipal People's Government, which is not for profit.
What is the maximum loan for husband and wife provident fund?
Both husband and wife can borrow up to 600,000 yuan from the provident fund.
1. The central bank stipulates that if both husband and wife in the first suite pay the provident fund, the maximum amount is 800,000; If both husband and wife in the second suite pay the provident fund, the maximum is 600,000.
2 husband and wife housing provident fund loan amount = (the provident fund paid by both husband and wife from the date of loan application to the date of retirement) ×2.
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 definition of housing provident fund includes the following five aspects:
1. The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
5. Housing provident fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: first, it is cumulative, that is, housing provident fund is not part of employees' wages, and it is not distributed in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when employees leave, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.
What is the maximum amount of provident fund loans for both husband and wife?
What is the maximum amount of provident fund loans for both husband and wife? Bian Xiao stipulates that the minimum value calculated according to the balance stored in the housing provident fund account, the maximum loan limit and the multiple of the loan ratio is the maximum loanable amount of the borrower.
1, the maximum loanable amount calculated according to the balance of the housing provident fund account.
The calculation formula is: (balance of provident fund account, monthly contribution of provident fund ×2× statutory retirement months) ×2.
2. The loanable amount calculated according to the maximum loan amount
If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan. However, the amount of provident fund loans is related to the borrower's monthly payment and personal credit. Therefore, it is impossible to determine the lender's provident fund loan amount at present. Need to be reminded that the premise of provident fund loans is continuous payment for half a year.
Bian Xiao reminded: According to the Property Law, whether the property purchased by husband and wife is owned by * * * or owned by * * * needs to be reflected in the sales contract and then stated in the property ownership certificate. Therefore, both parties need to be present to sign and confirm. Namely "main loan" and "participating loan"
In the bank's housing loan contract, only one of the husband and wife is generally designated as the "lender", and the other party can be regarded as the "* * * lender". For "* * * and the Lender", it is not only required to be the immediate family members of the Lender (husband and wife, children and parents), but also to be one of the owners of the mortgaged property with the housing loan.