Personal housing provident fund loan is a special housing consumption loan funded by housing provident fund and distributed to employees who have paid housing provident fund for the purchase, construction, renovation and overhaul of their own houses.

Self-owned housing purchased by employees includes commodity housing, affordable housing, private housing, fund-raising housing, rebuild resettlement housing and public housing.

Loan amount: the upper limit of provident fund loan amount.

The calculation formula is: the monthly deposit amount of housing provident fund for loan employees ÷ the deposit ratio of housing provident fund for loan employees ×0.45× 12× actual loanable years.

The amount of provident fund loans is generally required to be no more than 70% of the total housing price, and there is generally an upper limit.

Loan term: up to 30 years.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

The relocated house is the house paid by the developer to the relocated households during land acquisition; Commercial housing is a house sold by developers themselves. There are basically relocated houses in every building, and the price of relocated houses is generally lower than that of commercial houses.

Relocation houses, like commercial houses, have real estate licenses, and relocation houses with real estate licenses can be listed and traded. If there is no real estate license, the relocated households hold the purchase contract and cannot be listed and traded.