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1 Lianyungang housing provident fund deposit
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(1) Minimum deposit base. As for the minimum deposit base of Lianyungang provident fund, it is not paid according to the minimum wage standard of Lianyungang, but the minimum deposit base of Lianyungang provident fund is higher than the minimum wage standard. According to a notice issued by Lianyungang Housing Provident Fund Management Center on 20 17, the minimum monthly deposit base of Lianyungang Provident Fund is 2550 yuan.
(2) About the deposit ratio. As for the deposit ratio, Lianyungang has set two standards. One is the payment standard of employees' provident fund in government agencies and institutions, and its provisions are uniformly paid according to the highest standard 12%. Another is the proportion of enterprises paying housing provident fund. The specified proportion can fluctuate between 5%- 12%, and the specific proportion can be decided by the enterprise itself. In addition, institutions and enterprises should pay in the same proportion.
(3) Maximum deposit limit. Regarding the maximum deposit ceiling, the information given by official website Lianyungang Housing Provident Fund Management Center is clear. According to the average monthly salary of employees in Lianyungang for 20 16 years (the total salary is calculated according to the items listed in the total salary statistics according to the provisions of the National Bureau of Statistics), the maximum deposit base is16,000 yuan.
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2 Lianyungang housing provident fund query
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(1) website query. Employees who deposit provident fund can inquire about their own provident fund account information through Lianyungang Housing Provident Fund official website.
(2) telephone inquiry. The inquiry numbers of the national housing provident fund are all 12329. If you want to inquire about the relevant information of Lianyungang housing provident fund, you can dial the area code of Lianyungang, that is to say, dial 05 18- 12329.
(3) SMS query. At present, Lianyungang has also opened a short message inquiry mode. Users can inquire by sending the ID number of "GJJ or DK" to 0518855011.
(4) WeChat query. Inquire by paying attention to "Lianyungang Housing Provident Fund". The wechat menu bar has a column of "micro-net hall", which can be queried.
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3 Lianyungang provident fund loan
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(1) About the loan amount. According to the information released by official website Lianyungang Housing Provident Fund Management Center, the maximum loan amount for a single person to use the provident fund is 300,000 yuan, and that for a double person is 600,000 yuan. However, the following two regulations must be met at the same time: the loan amount cannot exceed 15 times of the balance of the provident fund account, and the loan amount cannot exceed 70% of the total house price (the second suite cannot exceed 60%).
(2) About the loan term. The longest term of using provident fund loans is 30 years.
(3) loan business processing point. Lianyungang government stipulates that it shall be handled by the housing provident fund management center where the house is purchased.
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4 Lianyungang housing provident fund extraction
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For the extraction of Lianyungang housing provident fund, its main provisions are similar to those of other provinces and cities, but there are two provisions that other provinces and cities do not have. One is that couples can apply for withdrawal of provident fund when they are divorced, and the other is that they can apply for withdrawal of provident fund when they have an elevator at home.
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Many places have intensively introduced housing purchase policies and standardized Lianyungang provident fund loans up to 654.38+0 million.
In addition to Lianyungang (60 1008), Jiangsu and even the whole country continue to loosen the credit and housing policies.
On August 9th, official website, the Housing and Urban-Rural Development Bureau of Lianyungang City, Jiangsu Province issued the Notice on Further Promoting the Healthy and Stable Development of Lianyungang's Real Estate Market (hereinafter referred to as the Notice), which made a series of policy adjustments in housing loan policy and supervision funds for the pre-sale of commercial housing.
In terms of housing provident fund loans, during the period from July 1 2022 to February 3 1 2022, the maximum loan amount was raised from 300,000 yuan to 500,000 yuan, and if both borrowers paid housing provident fund normally, the maximum loan amount was raised from 600,000 yuan to 6,543,800 yuan. The maximum amount of personal housing provident fund loans for talents above Class C, talents above Class D, masters (or associate senior titles and senior technicians) and "double first-class" undergraduates will be relaxed to 6.5438+0.2 million yuan, 6.5438+0.0 million yuan and 700,000 yuan respectively. Both husband and wife can overlap. During this period, parents or children can apply for housing provident fund loans with borrowers as * * * regardless of whether they own property rights.
In terms of commercial loans, for families who own/kloc-0 apartments and have settled the corresponding housing loans, if they apply for loans to buy ordinary commercial housing again to improve their living conditions, banking financial institutions will implement the first home loan policy.
"This policy mentions increasing the amount of provident fund loans and supporting the demand for improved home purchases. Among them, all family members with clear policies can become the same borrower of provident fund loans, which belongs to the category of' one person buys a house and the whole family helps'. The new policy that talented couples can use the amount of provident fund has also enhanced the purchasing ability of such groups. In general, this is also the practice that all localities will continue to adopt in the second half of the year, and it is still a feature of the financial aid housing market. " Yan Yuejin, research director of the think tank center of Yiju Research Institute, analyzed the reporter.
In addition to Lianyungang, Jiangsu and even the whole country are continuing to relax credit and house purchase policies.
Promise to provide new skills.
The Notice optimizes the business environment of the real estate industry from three aspects: delaying the payment of supporting fees for urban infrastructure, lowering the pre-sale standard and introducing the letter of guarantee system.
Among them, Article 5 of the Notice shows that some supervision funds for the pre-sale of commercial housing are released by way of guarantee. On the basis of strictly implementing the supervision system of commercial housing pre-sale funds, real estate development enterprises apply for commercial guarantees to release a certain amount of funds for real estate project construction and operation, with the upper limit of 30% of the key supervision funds.
Yan Yuejin told reporters that the biggest innovation or something worthy of recognition is that the policy mentioned a sentence "on the basis of strictly implementing the supervision system of commercial housing pre-sale funds". This shows that the thinking of such policies is very clear. It is necessary to strictly implement the fund supervision system and find ways to release available funds. In other words, the current supervision of pre-sale funds should be a combination of rigidity and flexibility. This idea of Lianyungang is worthy of recognition. On the basis of strictly implementing the supervision policy of pre-sale funds, the practice of commercial guarantee is encouraged.
A commercial letter of guarantee refers to a letter of guarantee issued by a powerful commercial institution other than a bank. Generally, it is an enterprise guarantee issued by a professional guarantee company, which is a credit guarantee for commercial institutions.
Prior to this, various localities have recently issued detailed rules for the supervision of pre-sale funds, including Suzhou and Hangzhou, Chengdu, Xi 'an and other cities. The new rules of pre-sale funds in various places include how to determine commercial banks, how to set up supervision accounts, how to determine the amount of supervision, how to use funds, how enterprises will be held accountable for illegal misappropriation, and how to clarify the respective rights and responsibilities of the three supervision departments. The published new regulations on the supervision of local pre-sale funds are clear: all pre-sale funds should be directly deposited into the supervision account and can only be used for the construction of pre-sale commercial housing.
For the real estate with the risk of unfinished business, the above notice pointed out: "For real estate development projects that have been suspended for more than three months due to non-epidemic reasons, county and district governments (management committees) should set up special working classes, implement the" one plate, one policy "mechanism, and coordinate the disposal within a time limit. For the property that has been delayed in the early stage, it is necessary to strengthen supervision and handle the situation differently. If the situation is serious, measures such as requiring the building under construction to suspend construction without obtaining the pre-sale permit can be taken to ensure the delivery of the house. "
Yan Yuejin believes that this approach is pragmatic, that is, from the perspective of protecting the rights and interests of buyers, giving priority to retaining some projects that have been pre-sold, while reducing investment in other projects that have not been pre-sold, which is conducive to pooling valuable funds and ensuring the timely delivery of real estate.
Study on Urban Intensive Regulation in Jiangsu Province
In addition to Lianyungang, Jiangsu and even the whole country are continuing to relax credit and house purchase policies. In May of this year, Suzhou and Wuxi have relaxed their purchase restrictions.
On August 8, the Housing and Construction Bureau of Haimen District, Nantong City, Jiangsu Province and other six departments jointly issued "Several Opinions on Promoting the Stable and Healthy Development of the Real Estate Market", including favorable policies for the property market in reducing down payment, lowering interest rates, increasing loan quotas and improving housing quality: the minimum down payment ratio for the first suite is 20%, and the minimum down payment ratio for the second suite is 30%; The lower limit of the first home loan interest rate is LPR minus 20 basis points; The first home provident fund loan amount is relaxed to twice the previous amount, with a maximum of 800,000 yuan per household; Graduate students or senior professional titles can apply for 6.5438+0.6 million yuan/household provident fund, etc.
At the same time, it also reduces the burden for housing enterprises. Appropriately reduce the bid bond ratio of ordinary commodity housing land, and the bid bond ratio will be reduced from 30% of the total transfer price to 20%; Appropriately extend the payment period of land transfer fees for development projects, and adjust the settlement from one month to six months to six months.
Nanjing, the capital of Jiangsu Province, has also frequently introduced new policies since April this year, which not only relaxed the purchase restriction many times, but also loosened the property market by relaxing the restrictions on sales, adjusting the provident fund purchase policy and increasing the number of houses purchased by families with many children. For example, in April, Nanjing changed the condition for non-local residents to apply for buying a house from "they must pay social security or individual tax for two years or more in Nanjing within three years, and cannot buy a house by paying individual tax or social security" to "they must pay personal income tax or social security for six months in Nanjing within 1 year".
With regard to provident fund,/kloc-In May/September, Nanjing Housing Provident Fund Management Center issued the Notice on Adjusting the Loan Amount of Housing Provident Fund for the First Purchase of a Second House, which clarified that the maximum loan amount of housing provident fund for the first purchase of a second house in Nanjing was adjusted from the current 300,000 yuan/person and 600,000 yuan/household to 500,000 yuan/person and both husband and wife.
However, it has recently been circulated in Nanjing that "foreigners can buy houses directly without paying social security". In this regard, on August 1 day, Nanjing Housing Management Department responded that this was false information, all application requirements remained unchanged, and Nanjing did not fully liberalize the purchase restriction.
Lianyungang: Families with many children can buy the first suite, and the maximum amount of provident fund loans can be 900,000 yuan.
6543810.5, according to the news of official website Lianyungang Housing Provident Fund Management Center, in order to further promote the stable development of Lianyungang's real estate market, support the rigid and improved housing demand, and better play the role of housing provident fund in housing security, Lianyungang City, Jiangsu Province issued the Notice on Further Optimizing the Housing Provident Fund Loan Policy.
According to the New Deal, the application conditions for housing provident fund loans will be added from 2023 1. Workers who have no house or only one house under their family name can apply for provident fund loans. That is, the accumulated housing provident fund loans for employees' families shall not exceed 1 time, and the number of housing units under the name of employees' families shall not exceed 1 set. In either case, you can apply for provident fund loans.
At the same time, increase the first set of self-occupied housing provident fund loans for families with many children. Support families with many children who meet the national birth policy to improve housing conditions. For families with two children who have unilaterally paid the housing provident fund, the maximum loan amount will be raised to 400,000 yuan, and if both borrowers pay the provident fund, the maximum loan amount will be raised to 800,000 yuan; The maximum loan amount for a three-child family where the borrower pays the housing provident fund unilaterally is raised to 450,000 yuan, and the maximum loan amount for both borrowers to pay the provident fund is raised to 900,000 yuan.
Lianyungang Housing Provident Fund Management Center explained that "the maximum loan amount for a two-child family whose borrower has unilaterally paid the housing provident fund will be raised to 400,000 yuan, and if both borrowers have paid the provident fund, the maximum loan amount will be raised to 800,000 yuan", which means that the two-child family born after the country fully liberalized the two-child policy will enjoy the increased loan amount for the two-child family provident fund after purchasing the first set of housing. 20 16+65438 The second child born before the country fully opened the two-child birth policy on June 0 needs to provide a two-child birth certificate.
"The maximum loan amount for a three-child family whose borrower unilaterally pays the housing provident fund is raised to 450,000 yuan, and the maximum loan amount for both borrowers to pay the provident fund is raised to 900,000 yuan", which means that a three-child family born after the country fully liberalized the three-child birth policy on May 365, 438+0 can enjoy the increased loan amount for a three-child family after purchasing the first self-occupied house. When applying for a loan, you need to provide proof of parent-child relationship such as three-child household registration book or birth medical certificate. On May 3 1 day, three children born before the country fully liberalized the three-child birth policy need to provide a three-child birth certificate.
In addition, we will continue to implement the policy of differentiated loans for talents. The maximum loan amount of individual housing provident fund for high-level talents who have obtained house purchase vouchers is 6,543,800,000 yuan, 800,000 yuan and 500,000 yuan respectively. Both husband and wife can overlap.
The New Deal also proposed to extend the term of housing provident fund loans. The sum of the borrower's age to apply for housing provident fund loans and the loan period can be extended to 5 years after the statutory retirement age. The longest loan period shall not exceed 30 years.
Repayment time of Lianyungang provident fund loan
The 20th to 25th of every month. Relevant banks in Lianyungang stipulate that the repayment time of provident fund loans is from 20th to 25th of each month, and the specific time is clearly recorded in the loan contract, which shall prevail. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
Lianyungang Provident Fund Loan Process and Material Requirements
Lianyungang Provident Fund Loan Process and Material Requirements
Lianyungang provident fund loan process and material requirements, the purchase of Lianyungang commercial housing, price-limited commercial housing, targeted sales (resettlement) affordable housing, the loan period does not exceed 30 years, Lianyungang provident fund loan process and material requirements.
Lianyungang provident fund loan process and material requirements 1
Loan process
1, loan application
If the borrower applies for an existing housing mortgage loan, the borrower shall apply for a loan from the entrusted bank with relevant information;
2. Loan acceptance
(The entrusted bank conducts a pre-loan investigation on the applicant to preliminarily determine the loan amount and term.
3. Lending approval
Housing provident fund loans shall be subject to a four-level examination and approval system, and the entrusted bank shall conduct a preliminary examination of the borrower's loan application materials;
4. Lending
The entrusted bank shall instruct the borrower to fill in the Confirmation Sheet of Housing Provident Fund Loan and the loan receipt before lending, and the loan can only be issued after the borrower completes the mortgage registration and obtains other rights certificates and other materials.
5. Pay off the loan
After the borrower has paid off all the principal and interest of the loan, he will go to the Center to issue a certificate of cancellation of real estate mortgage registration with the loan settlement certificate issued by the entrusted bank and the last installment of the Personal Housing Provident Fund Loan Repayment Certificate, and go to the real estate mortgage registration department for mortgage cancellation with relevant documents.
Loan materials
1. If the borrower is consistent with the ID card and household registration book of * *, and is not in the same household registration place, it shall also provide the corresponding relationship certificate;
2. If the marital status of the borrower is single, provide proof of unmarried; if the borrower is widowed or divorced, provide proof of not remarried;
3, the borrower and * * * and the borrower's economic income certificate;
4, the purchase, construction, renovation and overhaul of owner-occupied housing certification materials:
5. Guarantee materials:
(1) If the existing house is mortgaged, provide the property ownership certificate and evaluation report;
(2) If the house is mortgaged in advance, the installment guarantee issued by the real estate development company shall be provided;
(3) In case of pledge, a pledge certificate recognized by the Center shall be provided;
4. If it is guaranteed by a guarantee company, a letter of guarantee issued by the guarantee company shall be provided.
6.* * * If the borrower deposits the housing provident fund outside the scope of this Municipality, it shall provide the deposit certificate, the use certificate of the housing provident fund and the credit status certificate issued by the deposit center.
7. Other materials that need to be provided.
Lianyungang provident fund loan process and material requirements II
The calculation of the loan amount of the first suite provident fund in Lianyungang should be determined according to the repayment ability, the proportion of the house price and the balance of the housing provident fund account, and the calculated small value is the borrower's high loanable amount. The calculation method is as follows:
(1) The loan amount of the first housing provident fund in Lianyungang is calculated according to the repayment ability: [(total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month).
(2) The loan amount of Lianyungang first-home provident fund calculated according to the spouse's usage amount: [(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40%; Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).
(3) The loan amount of Lianyungang first-home provident fund calculated according to the house price: the calculation formula is: loan amount = house price × loan ratio.
How long can Lianyungang's first housing provident fund loan last?
First, the purchase of Lianyungang commodity housing, price-limited commodity housing, targeted sales (resettlement) of affordable housing, the loan period shall not exceed 30 years; Buying private housing in Shucheng shall not exceed 20 years; The period of purchasing the property right of Shucheng public housing or building, renovating or overhauling its own housing shall not exceed 10 years.
2. The sum of the borrower's age and loan term in Lianyungang City shall not exceed 5 years after the statutory retirement age. The legal retirement age is generally calculated according to the age of 55 for women and 60 for men; Unless otherwise stipulated by the state, the retirement age shall be implemented according to its provisions, but the height shall not exceed 65 years old.
3. The longest loan period of the first set of housing provident fund lenders in Lianyungang shall not exceed the low value calculated by the above two methods.
Lianyungang provident fund loan process and material requirements 3
Provident fund loan interest rate:
According to the regulations of the People's Bank of China, the current effective interest rate is 4.00% for loans with a term of less than five years (inclusive) and 4.50% for loans with a term of more than five years. If the loan term is within 1 year (including 1 year), the principal and interest shall be repaid in one lump sum; If the loan term exceeds 1 year, two repayment methods are adopted: equal principal and interest or equal principal repayment.
Lianyungang provident fund loan amount
(1) shall not exceed the balance of the applicant's unilateral provident fund account × balance multiple (15);
(2) Not exceeding the average monthly contribution of the applicant's unilateral provident fund (individual unit) × remaining working months× coefficient (2.5);
(3) The maximum loan is 300,000 yuan;
Repayment method of Lianyungang provident fund
1. Equal principal and interest repayment method
Add up the total principal and interest of the mortgage loan and distribute it evenly to each month of the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.
2. average capital Repayment Law
The lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.
This is the end of Lianyungang provident fund loan and Lianyungang provident fund loan interest rate. I wonder if you found the information you need from it?