Shandong Weihai: The maximum loan amount of housing provident fund increases to 800,000 yuan

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The policy interpretation of the "Notice on Adjusting the Housing Provident Fund Loan Policy"

In order to give full play to the guarantee of the housing provident fund system, support the rigidity and improvement of housing demand for employees, and promote the steady and healthy development of the real estate market, after review and approval by the Municipal Housing Provident Fund Management Committee, on August 25, the "Regarding the adjustment of the housing provident fund loan policy policy "Notice", adjusted the two housing provident fund loan policies, and now the adjustment policy is interpreted as follows:

I. The maximum loan quota has increased to 800,000 yuan. Can I apply for a second set of improved housing?

Can apply. After the maximum loan quota is increased, the applicant and spouse are purchased for the first set and the two self -living houses, both of the applicants and spouses can apply for a loan of 800,000 yuan. For employee families, up to 500,000 yuan of loans can be applied for.

2. The loan amount has increased from 20 times the balance of the provident fund account to 30 times. Does it mean that if the provident fund account has a balance of 30,000 yuan, you can apply for a loan of 30 times 900,000 yuan?

The loan quota cannot exceed the maximum loan limit of 800,000 yuan in dual employees and a single employee of 500,000 yuan. 30 times the balance of the provident fund account, which is one of the conditions for determining the loan amount, and at the same time meet the down payment ratio, the value of second -hand housing evaluation, the monthly repayment amount does not exceed 70%of the average deposit base of the provident fund, etc. conditions of.

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