Shandong Weifang: The time limit for applying for provident fund loans has dropped from 12 consecutive months to more than 6 months

On September 13, the surging news learned from the official website of the Weifang Housing Provident Fund Management Center that Weifang City, Shandong Province, issued the "Notice on Optimizing and Adjusting the Return of Housing Provident Fund Loans".

The "Notice" shows that in order to increase support for employees 'purchase consumption and better meet the needs of the majority of employees' provident fund loan purchase demand, after research, from September 16, 2022, adjust the relevant housing provident fund loan related to Weifang City. policy.

The first is to adjust the provisions of the loan quota calculation index, and in accordance with the new policy, cancel the "payment ratio, the number of loans, the employee unilateral or the two parties pay the deposit fund to determine the upper limit of the loan amount".

The second is to adjust the provisions of the borrower's application for loan payment for the provident fund time limit. The new policy shows that the time limit for the borrower's application for loan deposit fund is "continuously paying the housing provident fund 12 (inclusive) for more than a month" Continuously pay the housing provident fund 6 (inclusive) for more than a month ".

The third is to adjust the provisions of the calculation of the amount of loan amount balance. The new policy stipulates that the upper limit of the loan amount is calculated by 15 times the sum of the sum of the depository fund account balance when applying for the borrower, and the adjustment is adjusted to 20 times the calculation. "

The fourth is to adjust the regulations of the monthly income proportion of repayment capabilities. In accordance with the new policy, the "loan period is more than 5 years, and the monthly repayment amount must not exceed 40%of the total monthly income of the husband and wife", and adjust it to "loan If the period is more than 5 years, the monthly repayment amount shall not exceed 50%of the total monthly income of both husband and wife. "

Fifth, reduce the proof of real estate registration information inquiry, cancel the borrower's real estate query certificate of the real estate query of the three places, the place of acceptance, and the place where the borrower is required. When the borrower applys for a loan, you only need to provide the "Proof of Real Estate Registration Information inquiry" (also to inquire about the real estate registration information of the real estate registration information through the "Ai Shandong APP").

Source: Surging News

Edit: Liu Dan

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