Zibo provident fund loan amount in 2022

First, the maximum loan amount shall not exceed the maximum amount determined by the Municipal Housing Provident Fund Management Committee:

1. If employees purchase the first suite and apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.

2 employees to buy two suites to apply for housing provident fund loans:

(1) If both husband and wife pay the housing provident fund continuously and normally, and the immediate family members jointly lend, the maximum loan amount is 500,000 yuan;

(2) Only one party has paid the housing provident fund continuously and normally, and the maximum loan amount is 400,000 yuan.

The continuous normal deposit of housing provident fund by husband and wife means that the continuous normal deposit of housing provident fund by husband and wife exceeds 1 year and the continuous normal deposit by husband and wife exceeds 6 months as of the loan application date.

3. According to some methods in Zibo, the newly introduced and trained high-level talents in our city can apply for housing provident fund loans for the first time in our city, and they can enjoy a loan amount of 2 times the upper limit of housing provident fund loans.

4. According to the relevant laws and regulations, the maximum loan amount can be increased by 20% when employees use housing provident fund loans to buy prefabricated houses.

Two, the maximum loan amount must be within the proportion of the value of the employee's purchase of owner-occupied housing as stipulated by relevant laws:

1. If the paid employee's family purchases the first set of ordinary self-occupied housing by using the housing provident fund personal loan, the maximum amount of the housing provident fund loan shall be within 70% of the value of the purchased self-occupied housing;

2. The maximum amount of the housing provident fund loan for the purchase of the second suite is within 60% of the value of the purchased owner-occupied housing.

3. The down payment plus loan amount shall not exceed the value of the house purchased.

Four. Determination of loan amount in some cases:

1. If the husband and wife * * * have paid the housing provident fund normally, both husband and wife can act as borrowers of the housing provident fund personal loan, and the loan amount can be calculated according to the value of the house purchased.

2. Non-husband and wife have:

(1) The buyer and the borrower must be consistent. Calculate the loan amount based on the share of housing property rights held by the purchaser.

(2) If there is no clear share of house property rights, it is recognized as * * * according to relevant property rights laws and regulations.

(3) If there is no explicit agreement on sharing according to the number of shares, it shall be deemed as equal sharing.

If all the owners of * * * have paid the housing provident fund normally, and they are all the same borrowers, the loan amount will be calculated based on the value of the house purchased.