The loan amount of housing provident fund is related to the balance of the borrower's personal housing provident fund account. The loan amount of general housing provident fund is 20 times of the borrower's personal housing provident fund account balance, which means that if 700,000 housing provident fund loans are to be used, the personal housing provident fund account balance needs to reach at least 35,000 yuan.

2. What are the conditions for Nanchang provident fund loan?

I am a technician who makes software for Nanchang housing accumulation fund. In your case, you are not allowed to withdraw the provident fund. In fact, the provident fund itself is your own money. You don't have to worry about what will happen to the money. That money is equivalent to the village in your account. Everyone supplements it except you, and it will always be your own. Only when you meet the conditions can you withdraw the provident fund.

Three, Nanchang provident fund loan conditions and requirements

Conditions and requirements are as follows:

1. Have permanent residence or valid residence status in this city;

2 have a relatively stable income, good credit, and the ability to repay the principal and interest of the loan;

3. The borrower and * * * the same borrower have paid the housing provident fund in full and continuously for more than 6 months (including 6 months) in accordance with the Measures for the Administration of Housing Provident Fund Deposit in Nanchang City when applying for the provident fund loan, and have not used the housing provident fund in their accounts due to the project withdrawal;

4 provident fund loans to buy self-occupied housing in this city, there must be a legitimate purchase contract or agreement;

5. There must be a certain proportion of eligible houses.

6. Abide by laws and regulations

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to state regulations, employees who have paid housing provident fund apply for individual housing provident fund loans.

20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.

Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan paid by local housing provident fund management centers to employees who apply for provident fund loans to purchase, build, renovate and overhaul their own houses. According to the regulations, housing provident fund should be paid for more than a certain period of time (the term of each city is different, such as 12 month housing in Changsha, renovation and overhaul of self-owned housing, when funds are insufficient, you can apply for provident fund loans.

The loan conditions are: loan more than once (or sign 1 year labor contract for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; Ability to borrow interest; The borrower agrees to take out insurance; Provide relevant sales contracts, real estate licenses, land use certificates, and deposit certificates of provident funds. Local banks are required to manage the housing provident fund.

Four, Nanchang provident fund loan conditions inventory

What can provident fund do? Of course, buying a house, I believe many professionals will answer this question. However, besides buying a house, your provident fund has many uses, you know? According to the current new provident fund policy, the provident fund can now be used for renting a house, extracting consumption and seeing a doctor. Today, Bunny introduced the loan conditions of Nanchang Provident Fund in detail. For Nanchang's workplace friends, this is an indispensable dry goods for scientific financial management. Come and collect the professionals in Nanchang!

On October 9th, 2065438+0414/KLOC-0, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund, which adjusted the conditions for handling loans, loan amount, fees for related projects and provisions on mutual recognition in different places. Nanchang local treasure club will continue to pay attention to the latest news of the new policy of Nanchang provident fund, and everyone can continue to pay attention.

New Deal on Changes in Loan Conditions (Implemented)

Before the reform: before applying for provident fund loans, the borrower should pay the housing provident fund 12 months continuously and normally in the city where he works.

At present, the borrower has normally paid the housing provident fund for more than six months (inclusive) before applying for the provident fund loan.

Mutual recognition in different places: employees can apply for individual housing loans from the housing provident fund management center where they are registered with their domicile on the basis of the deposit certificate issued by the housing provident fund management center in their place of employment.

Nanchang has formally implemented the contents of the new policy. Details are as follows:

Commercial housing (including affordable housing) and second-hand housing

1, with permanent residence or valid residence status in this city;

2. Have a relatively stable income, good credit and the ability to repay the principal and interest of the loan; ;

3. The borrower and * * * the same borrower have continuously paid the housing provident fund in full for more than 6 months (including 6 months) in accordance with the Measures for the Administration of Housing Provident Fund Deposit in Nanchang City when applying for the provident fund loan, and have not withdrawn and used the housing provident fund in their accounts for this application;

4, provident fund loans for the purchase of owner-occupied housing in this city, there must be a legitimate purchase contract or agreement;

5. There is a certain proportion of down payment for house purchase that meets the requirements; ;

6. Provide guarantees that meet the legal requirements.

Make business public

1, with permanent residence or valid residence status in this city;

2. Have a relatively stable income, good credit and the ability to repay the principal and interest of the loan;

3. When the borrower and * * * the same borrower apply for provident fund loans, they have continuously paid the housing provident fund in full for more than 6 months (including 6 months) according to the Measures for the Administration of Housing Provident Fund Deposit in Nanchang City, and the borrower's provident fund account must maintain the balance for more than half a year;

4. The house purchased by the commercial individual housing loan has obtained the house ownership certificate;

5. The commercial individual housing loan bank agrees that the borrower will settle the loan in advance;

6. The balance of the commercial personal housing loan when the applicant turns to the public is not higher than 50% of the purchase price (the balance of the second home loan is not higher than 40%);

7. The borrower signs the entrustment withdrawal agreement;

8. The original portfolio loan cannot be turned into public ownership;

9. You can't apply for portfolio loan when your business is transferred to public.

After reading Tutu, I sorted out the loan conditions of Nanchang Provident Fund for you. As a professional, understanding provident fund is a necessary skill. Some small partners may not know what the provident fund we pay each month is for, and some white people in the workplace still don't know that the provident fund can actually be loaned. Personally, we may not care about the use of the provident fund paid for the company every month, but what is the use of the provident fund for us personally? Everyone in the workplace must be very concerned. After reading this article, let's have a good understanding.

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