States Fund loan policy to relax minimum increase of 200,000
States of Provident Fund loans policy was relaxed. Published recently by the Housing Fund Management Center of Central Government, adjust the tube measures Provident Personal loans, purchase the first set of owner-occupied housing loans, no longer considers nearly 1 year whether to extract the Provident Fund, and when calculating the loan amount, minimum amount has been raised. New deal from the 12th of the month.
buy owner-occupied housing loan policy adjustments for the Provident Fund loans, housing fund management center of Central Government explained, is for the implementation of the national macro-economic policies to further develop personal housing accumulation Fund loan guarantee, security policies that you want, for paid staff and improving housing needs.
the new deal increases the support of Provident Fund loans. Under which employees purchase the first set of owner-occupied housing loans, no longer considers nearly 1 year whether to extract the Housing Fund, when calculating the credit, personal housing accumulation Fund account balances are calculated according to the 70,000 yuan less than 70,000 yuan. Earlier in March this year, States had relaxed about lending to fund a, the original provisions of individual account balances of less than 20,000 yuan calculated in accordance with 20,000 yuan, adjusting for individual account balance is calculated according to the 50,000 yuan less than 50,000 yuan. But only when the applicant is borrowing to buy first in owner-occupied housing, and loans accepted within 1 years not extracted before housing fund.
tube Provident Fund canceled the run of the country limits, and this minimum balance is also raised from 50,000 yuan to 70,000 yuan. Loan minimum amount increased by 200,000 people in the industry say, participated in a month of work, Provident Fund deposit in smaller families, this is a good news. Tube Provident Fund deposit when buying commercial employees, it tube line of Provident Fund loans from the Center, and directly related to the account balance.
one application, approval of account balance by credit 10 times. This delimitation line of the balance is 50,000 yuan, if the buyers account balance falls below 50,000 yuan, then taking 50,000 yuan threshold multiplied by 10 times, can take out a loan of 500,000 yuan. The adjusted account balances of less than 70,000 yuan, calculated according to the minimum of 70,000 yuan, you can loan of 700,000 yuan. Reporters learned that the adjustment tube Provident Fund, it tube of Provident Fund loans in Beijing identified, mainly related to the applicant's monthly family income, Provident Fund deposit amount, loan term and other related, has no direct relation with account balances. Focus 1 not overdue credit card within 2 years 6 overdue repayment of credit card loans and other effects to apply for mortgages, but in either case the loan quota would be reduced, or loan is rejected? The States be clear in the Provident Fund of the new deal.
Central Government Housing Fund Management Center, said the States Fund perfect credit records using the standard. Loans overdue loans outstanding and the spouse of the applicant, or have credit card and quasi-credit card overdue overdrafts is also inadmissible applications. Loan applicant and his or her spouse during the 2 years before applying for loans, other loans (excluding loans) within 3 to 5 times in a row, its line of credit loans, housing Provident Fund Management Committee announced in Beijing on the basis of the maximum amount of 20%. Loan applicant and his or her spouse during the 2 years before applying for loans, other loans (excluding loans) overdue for more than 6 consecutive periods and no loans.