Affordable Provident Fund loan rules to determine the maximum loan of 800,000 per household

Loan trial rules issued down to 20% Morning Post reporter Shang Shanghai first batch of economic application housing pilot will enter the stage, and matching the Provident Fund loan rules have been determined. Yesterday, the Shanghai Municipal Provident Fund Management Center issued the "Shanghai Housing Provident Fund Personal Purchase Economic housing loan implementation rules (for trial)" (hereinafter referred to as "Implementation rules") clear, each Family Housing Provident Fund Affordable loan amount calculation method to "households" as the basis, the first payment ratio is not less than 20% of the total price of housing, The maximum loan limit for each household is 600,000 yuan.　　However, if there is a supplementary housing Provident Fund, each household can increase the loan quota by $200,000.　　At the same time, with the city's purchase of general merchandise housing Provident Fund loans compared to the rules by expanding the scope of the common borrower, expand the borrower's supplementary repayment channels, to improve the purchase of affordable family fund-raising capacity, and effectively reduce the repayment burden of affordable loan families. Common applicants can borrow in the common borrower, Housing Provident Fund loans are based on households, borrowers and mutual borrowers to calculate the loan amount, and in order to improve the purchase of affordable Housing Housing Provident Fund loan quotas, "implementation rules" The common borrower from the purchase of ordinary Commodity Housing Provident Fund loan provisions of the spouse and the same household for more than one year lineal, to expand to the other than the borrower, the economic application of housing common property owners as housing Provident Fund of the common borrower; At the same time, other than the property owner of the housing joint applicants　　By my consent can also be used as a housing provident Fund of the common borrower loans, the common borrower should also meet the Housing Provident Fund loan application conditions. In addition, the rules also explicitly expand the borrowing family's supplementary repayment channel. The rules of implementation stipulate that when the borrower has difficulty in repayment, more than three loans overdue, can be proposed to the Municipal Provident Fund Center to increase the blood of the borrower (the borrower's parents, children, brothers, sisters) as a supplementary repayment, with the consent of the supplementary repayment, the Housing Provident Fund balance can be used for repayment,　　To reduce the repayment burden of the borrowing family. Down payment ratio is not less than 20% for the public concern of the Provident Fund purchase affordable down payment ratio and the loan limit, etc., "The implementation Rules" stipulates that the Housing Provident Fund and affordable housing loan amount is based on the purchase of economic and residential property owners and economic applicable housing common applicants, and in line with the Housing Provident Fund Can calculate the Housing Provident Fund can be credited separately after the cumulative determination.　　According to the current Housing Provident Fund loan policy, each household application Housing Provident Fund House loan First payment ratio shall not be less than 20%, each household maximum loan limit of 600,000 yuan; if there is a supplementary housing Provident Fund, each household can increase the loan amount of 200,000 yuan.　　The borrower applies for the Housing Provident Fund The House loan period is no longer than 30 years (if the old-age loan period is not more than 15 years, 5 years after the completion of the second new house, excluding), not longer than the borrower's legal retirement time after 5 years. In addition, ifOriginal Housing Provident Fund affordable loan borrowers for special reasons such as divorce or death to change the title or borrower, should be in accordance with the relevant provisions, by the housing security agencies to review the consent of the home purchase family will be affordable repurchase or transfer, the property owner of the home, the same people with affordable property rights or have inherited conditions, can hold relevant supporting materials,　　To the original receiving Housing Provident Fund Affordable Loan agency to make the loan change application. How to apply for Provident Fund affordable loan must meet what conditions: "The implementation of the rules" clear, the borrower applies for housing Provident Fund affordable Housing loans should also meet the following conditions: In line with the purchase of the city's economic conditions, and has been signed in accordance with the relevant provisions of the Shanghai Economic Housing Pre (out) , in line with the current Housing Provident Fund individual purchase loan conditions.　　That is, the borrower and the common borrower shall pay the Housing Provident Fund continuously in the six months before applying for the loan; with a more stable economic income, there is no debt that has not yet been repaid and which may affect the repayment capacity of the loan. What materials need to be provided: the borrower applies for housing Provident Fund House Loan (Pure Housing Provident Fund loan) need to provide materials: the borrower and the common borrower's Housing Provident Fund account number, the original and photocopy of the ID card, the original and photocopy of the booklet, marriage certificate or other relationship certificate,　　The original and photocopy of the pledge of all the housing joint applicants. How to extract the balance of the account: for the purchase of affordable did not apply for Provident Fund affordable Loans, affordable property owners and their spouses, members of the same household, other members lineal can be in the affordable production certificate issued within six months from the date of the application of Housing Provident Fund account in the balance, In addition, other family members are not available to withdraw the balance of the Housing Provident Fund account.