A, Xin Tai house, provident fund loans, then what is the proportion of the down payment
Hello!
Property now down payment can be divided into:
1. In the case of the first suite, the purchase of a new house and the area of not more than 90 square meters to pay the down payment can be as low as 20%;
2. In the case of the second suite, the purchase of real estate for a minimum down payment of 60%;
3. Third suite of cases, the need to lend the bank based on the price of housing May not with the loan;
4. Other cases the minimum down payment is 30%.
Only on behalf of personal opinion, do not like do not spray, thank you.
Two, Tai'an provident fund loan conditions
Conditions are as follows:
Ability, and has a permanent residence in the town of Tai'an
Two, with a stable career income, good credit, the ability to repay the loan principal and interest.
Three continuous full payment of housing provident fund for more than six months.
Fourth, the nature of the application is for the granting of residential land, must have a purchase contract in line with the legal requirements.
Five houses or other properties with ownership as a mortgage, or securities as a pledge, or guarantor, guarantee company for joint and several liability guarantee.
Sixth, the purchase of housing for self-occupation of the applicant, the down payment of not less than 30% of the full price of the purchased housing, of which: the purchase of less than 90 square meters of the down payment of not less than 20%; the purchase of 30% of the price of the difference between the contract.
Seven, employees who have made full and continuous contributions to the housing fund for six months (inclusive) or more, can apply for housing fund personal housing loans.
VIII, once in a different place to pay housing fund, in the current place of deposit less than 6 places housing fund management center issued by the deposit
IX, the use of housing fund loans for the purchase of the first set of ordinary housing for self-occupation of the family of the employee, the minimum proportion of the down payment of 20%; to own a home and has settled the corresponding purchase loan of the family of the employee to pay, in order to improve the living conditions once again Apply for a housing fund loan to buy a low down payment ratio of 3
Applicants and their spouses, guarantors must agree to authorize the People's Bank of China personal information base database query personal credit status. Those with bad credit records or large outstanding debts are not allowed to apply for provident fund loans.
How to withdraw housing provident fund in Tai'an?
1. Employees renting commercial housing accumulation, need to provide proof of identity, proof of marital status (marriage statement), I and my spouse in the provident fund payment place no property certificate, not
2. The scope of the determination of the amount of money to be withdrawn from the purchase of a home, including the purchase of housing,,, parking spaces, storage rooms, ancillary gold and other costs.
3. Employees in the field to buy housing, did not apply in the acquisition has been filed net signing of the purchase contract, handing over to withdraw their own and their spouses, parents, children's provident fund.
4. Apply for a personal loan from the provident fund, within 1 year of obtaining the proof of payment of the down payment for the purchase of a house, you can withdraw the provident fund of the employee himself and his spouse in a lump sum, and the amount of withdrawal shall not exceed the amount of the down payment for the purchase of a house.
5. If an employee pays property management fees, utility bills, parking fees, etc., which cannot be divided on the same invoice (receipt), the total amount can be withdrawn.
6. Housing provident fund loans within a year, there are three consecutive (including) or cumulative 6 (including) more than overdue records, the current year can not apply for loan repayment withdrawals; within a year, there are three consecutive or cumulative 6 times less than the overdue records but has been repaid in full, the current year, you can apply for loan repayment withdrawals.
7. Family members suffering from "on the unification of the city's basic medical insurance outpatient chronic illnesses management issues related to the notice" (Tai people's social development [2012] No. 61) listed in the 25 kinds of outpatient chronic illnesses, the patient and his or her spouse to provide three years of "urban workers basic medical insurance co-ordination fee statement", can withdraw the entire balance of the provident fund; if the balance is not enough to cover the medical expenses, you can If the balance is not enough to cover the medical expenses, you can withdraw the provident fund of other family members, and the cumulative amount of withdrawal shall not exceed the total medical expenses listed in the "Urban Employees' Basic Medical Insurance Co-ordinated Expenses Statement".
8. To sort out the status of enterprises' contributions, those enterprises that have stopped making contributions due to bankruptcy and restructuring, and whose employees have also been included in the blocked status, should contact them urgently and do a good job of cleaning up.
9. The marital status of employees is recognized in the following ways: marriage certificates or household registers for those who are married, divorce certificates for those who are divorced, and personal declaration of marital integrity for those who are unmarried. The family relationship of an employee is recognized in the following ways: the information in the household register shall prevail, and if the information is incomplete or not changed in time, a certificate from the unit or the community shall be provided.
10. Cancel the withdrawal of provident fund employees unit audit link, do not need a unit seal, employees can hold their own identification, bank cards and related materials directly to the provident fund service hall.
11. Reduce the city center provident fund withdrawal approval process, from the hall acceptance window, section chiefs, the center of the leadership of the three-level approval streamlined into the hall acceptance window, section chiefs of the two levels of approval, the approval and approval of the direct transfer of financial transfers.
12. Simplify the electronic scanning of the purchase contract, the bank loan contract, you can only scan the first page of the contract and the content containing the address of the house, the amount of money to buy a house, the signing time, the signatory signature information.
13. Determine the amount of loan repayment withdrawal, from manual calculation to the microcomputer system automatically generated.
14. Optimize the system withdrawal approval process, withdrawal approval and fund transfer in the system to achieve streaming operation, without the need for batch processing, effectively shortening the processing time.
15. To meet the withdrawal requirements to be processed quickly, employees believe that the policy is not clear, the policy does not cover all, the policy provisions of the dispute, as well as other special circumstances, we must promptly report to the report, and, if necessary, submitted to the center of the branch review meeting to study. The review meeting is held regularly and may be convened at any time depending on the material reported.
16. Standardize the provident fund hall services, improve the level of service. In the service hall put understand paper, business guide, policy brochures and other promotional materials, electronic display screen to scroll the provident fund policy regulations. When encountering policy adjustments, policy information should be updated in a timely manner. The staff of the hall should be enthusiastic in their service, be kind and civilized, and the security personnel of the hall should actively maintain the order of the hall and take the initiative to lead the business.
17. Employees applying for home purchase withdrawal, withdrawal window staff to take the initiative to ask whether to apply for a loan; employees applying for housing loans, loan window staff to take the initiative to inform the first withdrawal, and then handle the loan.
18. The front window of the service hall is equipped with additional card reader equipment, the employee's bank card information is read and quickly transmitted to the bank to realize the automatic verification of bank card information and direct payment.
19. Clarify job responsibilities, reasonably allocate personnel to avoid duplication of work; optimize the workflow, simplify the procedures and shorten the processing time.
20. Strengthen learning and training, keep abreast of policy changes, and continuously improve work capacity. The policy is not allowed to grasp, we must report to the timely instructions, to maintain policy consistency.
21. Increase publicity, through newspapers, television, radio, the network and other news media, widely publicize the use of provident fund contributions policy, timely release of policy adjustments, and further expand the influence of the provident fund system.
22. Strengthen the information verification work, found that the provision of false information, to seriously pursue the responsibility of the parties involved, and to recover the allocated funds, constituting a crime, transferred to the judicial organs.
23. Strengthening internal audit supervision, found that irregularities in the handling of business, will be based on the relevant provisions of the Center to pursue the responsibility of the relevant personnel.
24. The original has developed a series of extraction policy, this document has not changed, still according to the original provisions of the implementation; this adjustment should be implemented as soon as possible, and do a good job in the convergence of related policies.
Three, Tai'an provident fund loan latest policy?
1. Article 1 in order to strengthen the management of housing fund, safeguard the legitimate rights and interests of the owners of housing fund, promote the construction of urban housing, improve the living standards of urban residents, the formulation of these regulations.
2. Article 2 These Regulations shall apply to the payment, withdrawal, use, management and supervision of housing provident funds within the territory of the People's Republic of China*** and the State. Housing provident fund referred to in these regulations, refers to state organs, state-owned enterprises, urban collective enterprises.
3. Article 3 The housing provident fund contributed by the individual employee and the housing provident fund contributed by the employee's organization for the employee belong to the employee.
4. Article 4 The management of housing fund is based on the principles of decision-making by the Housing Fund Management Committee, operation by the Housing Fund Management Center, exclusive storage by the bank and financial supervision.
According to the latest policy regulations, in 2022, if both husband and wife have contributed to the housing fund, the maximum loan amount is 600,000 yuan when applying for the fund loan. The previous maximum loan amount of 500,000 yuan, relatively speaking, increased by 100,000 yuan, which should be regarded as good news for everyone.1, according to the borrower's ability to repay the loan amount. The formula is: the borrower's monthly contribution to the housing provident fund amount ÷ the borrower's housing provident fund contribution ratio × individual repayment capacity factor (currently 0.45) × 12 (months) × actual loanable years. If both husband and wife contribute to the CPF and **** the same borrower, the loan amount will be the sum of the loan amount calculated separately for both husband and wife.
2. The maximum amount of personal loan stipulated. Currently one party contributes to the housing provident fund employees, the loan maximum limit of 300,000 yuan; husband and wife both contribute to the housing provident fund employees, the loan maximum limit of 600,000 yuan.
3, the maximum loan amount for the purchase of commercial housing does not exceed 80% of the total purchase price; the purchase of second-hand housing, the loan amount does not exceed 70% of the total purchase price.
Four, 2023 Tai'an housing provident fund extraction of the latest policy is what
Tai'an housing provident fund extraction of the latest policy is how? Below I have organized the relevant content, I hope to help you. (A) the implementation of rental extraction policy. Employees continuous full payment of housing provi... Want to know more about the latest policy of housing fund extraction in Tai'an what is the knowledge, follow along.
, Taian adjusted housing fund extraction policy, including the implementation of rental housing extraction policy, relax the conditions for the purchase of housing extraction, expanding the scope of extraction. (A) the implementation of rental extraction policy. Employees continuous full payment of housing fund for 3 months, I and my spouse in the city without their own housing and rental housing, provide proof of identity, proof of marital status, I and my spouse in the provident fund deposits in no real estate certificate, you can withdraw both husband and wife housing fund to pay rent. (B) to relax the conditions for the purchase of housing withdrawal. Employees to buy their own homes, did not apply for individual housing provident fund loans, within three years of obtaining a valid certificate of purchase, can be a one-time withdrawal of the employee and his or her spouse, parents, children's housing provident fund, the amount withdrawn shall not exceed the total amount of the purchase price. If you apply for an individual housing provident fund loan, within 1 year of obtaining a valid certificate of down payment for the purchase of a house, you can withdraw the housing provident fund of the employee and his/her spouse at one time, and the amount withdrawn shall not exceed the total amount of the down payment for the purchase of a house. If an employee buys a house in a foreign country and does not apply for an individual housing provident fund loan, he/she can withdraw his/her own and his/her spouse's, parents' and children's provident fund at one time within 3 years after he/she obtains the purchase contract and payment receipt which have been filed and signed on the internet. The determination of the amount to be withdrawn for the purchase of a house includes the purchase of housing,, parking space, storage room, ancillary housing, and the payment of deed tax, maintenance fund and other expenses. Migrant workers can withdraw their and their spouse's housing provident fund if they purchase their own housing in urban or rural new communities, or build their own housing on rural residence bases in accordance with the law. (iii) Expanding the scope of withdrawal. In the absence of others to provide provident fund guarantee and I did not apply for a provident fund loan under the premise of the deposited employees can withdraw housing fund once a year to pay the ordinary owner-occupied housing property costs, the amount of withdrawal shall not exceed the actual expenditure; employees to pay the special maintenance funds for residential housing, can be obtained within three years of the valid certificate of a one-time withdrawal of housing fund, the withdrawal of amount shall not exceed the total amount of payment of special maintenance funds for residential housing. If a family member suffers from any of the 25 outpatient chronic diseases listed in the Notice on Issues Related to the Management of Unified Citywide Basic Medical Insurance Outpatient Chronic Diseases, the patient and his/her spouse can withdraw the entire balance of the provident fund by providing the Urban Workers' and Employees' Basic Medical Insurance Coordinated Expense Settlement Statement within 3 years; if the balance is less than the medical expenses, the provident fund of other family members can be withdrawn but the cumulative amount of the withdrawal shall not exceed the total amount of the outpatient chronic disease listed in the Notice. The total amount of withdrawal shall not exceed the total medical expenses listed in the "Urban Employee's Basic Medical Insurance Expenses Statement"; during the period when the employee's children are studying in the university (including postgraduates and international students), the employee can withdraw the housing provident fund to pay for the miscellaneous expenses of the school once a year.