Hefei provident fund loans are divided into one-person loans and husband-and-wife loans. The maximum loan for one person is 350 thousand, and the maximum loan for husband and wife is 550 thousand. The second suite can also use provident fund loans.
Two, Hefei housing provident fund loan amount increased
According to the Measures, the provident fund management department will take corresponding measures to manage relevant links according to the pre-set warning value. Through the analysis and judgment of personal loan interest rate, net capital flow, yield and income carrying capacity, it is indeed an early warning.
According to the different measures of three-level early warning, the adjustment coefficient of the upper limit of individual provident fund loans in Hefei is 0.8 to 1.2. At present, the maximum loan of individual provident fund in Hefei is 450,000 yuan. After the new regulations are officially introduced, the upper limit will fluctuate between 360,000 yuan and 540,000 yuan.
Among them, in the first-level early warning state, the adjustment coefficient of 70% personal loan interest rate personal provident fund loan ceiling is 1 hour.
When t95% tends to rise continuously in the second-level warning state, the net fertilizer will adjust the housing provident fund use policy and moderately tighten the housing provident fund loans; Suspension of "business-to-business" loan business; Do a good job in the preparation of discount loans for "bus business"; The adjustment coefficient of the personal provident fund loan ceiling is 0.9. At 70% and tends to continue to decline, the net flow of funds is rapidly enlarged, and the housing provident fund loans are moderately relaxed; Carry out business-to-business loan business; 1.
Under the three-level warning state, when the personal loan rate is 95%, Hefei will adjust and tighten the policy of housing provident fund withdrawal and loan use; Suspend employees' family deposits in different places and apply for loans to buy houses locally; Start the "circular operation" waiting system; When the adjustment coefficient of the upper limit of personal provident fund loans is 0 and the rate is lower than 60%, Hefei will adjust and relax the policy of housing provident fund withdrawal and loan use; The upper limit adjustment coefficient of personal provident fund loan is 1.2.
From now on, Hefei Housing Provident Fund Management Center will announce the personal loan interest rate to the public at the beginning of each month. When the personal loan interest rate is linked, it will be announced to the public from the third month.
Related questions and answers: III. Hefei provident fund loan amount
According to "Hefei Housing Provident Fund Loan Management Measures":
Seventh before the borrower applies for a loan, the individual and his subordinate units have paid the housing provident fund in full and on time for more than one year; So you don't have the conditions for provident fund loans at present.
The specific loan amount, duration and other issues can refer to this management method. I'll give you an address:/n 7216006/n 7296488/n 7296780/n 7296782/7722853.html.
Four, Hefei provident fund loan amount
1. The maximum loan amount is 550,000 yuan if both the borrower and the spouse have paid the housing provident fund in full and normally for more than half a year;
2. If the applicant unilaterally pays the housing provident fund according to the regulations, the maximum loan amount is 450,000 yuan;
3. The loanable amount of the applicant within the maximum loan amount = the sum of the monthly salary income of the applicant and the husband and wife who have paid the housing provident fund × 12 (month )× 0.5× the actual loanable period, excluding the * * * owners and repayment participants.
4. If the house age is within 10 years, the maximum loan ratio is 80%; If the house age/kloc-0 is more than 0/0 and less than 20 years, the maximum loan ratio is 70% (the house age is subject to the house ownership certificate or the relevant certificate of the real estate authority).
5. The loan amount of commercial loans transferred to provident fund shall not be higher than the remaining principal of the original commercial bank loan when applying for "commercial transfer to public"; At the same time, it shall not be higher than the loanable amount of housing provident fund loans.
Under what circumstances will I be refused a loan when applying for provident fund? When using provident fund loans, if they do not meet the conditions, they will also be refused loans, such as substandard houses, loans that have not been paid off once or have been used twice, and applicants who are too old.