First, the housing provident fund loan amount

According to the balance stored in the housing provident fund account, the maximum loan amount and the multiple of the loan ratio, the minimum value calculated separately is the maximum loanable amount of the borrower.

1. The maximum loanable amount calculated according to the balance of the housing provident fund account.

The calculation formula is: (balance of provident fund account+monthly contribution of provident fund ×2× to statutory retirement months) ×2.

2. The loanable amount calculated according to the maximum loan amount.

If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan.

3. The loanable amount calculated according to the loan proportion

For families (including borrowers, spouses and minor children, the same below) who purchase the first home and whose construction area in Xing Tao is less than 90 square meters (including 90 square meters) or purchase affordable housing according to regulations, the down payment ratio shall not be less than 20%; For families who purchase the first home and have a building area of 90 square meters or more, the down payment ratio is not less than 30%; For families who buy a second home, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the same grade in the same period.

Suspension of the issuance of housing provident fund loans to employees' families for the purchase of third and above houses.

Second, the loan term.

First-hand building: 30 years; Secondary building: 20 years;

It can be extended to 5 years after the statutory retirement age.

Third, the loan procedure.

Four, apply for provident fund loans to submit materials.

(1) Identity card and household registration book;

(two) the purchase contract, the first purchase invoice or receipt, deposit receipt;

(3) proof of income and mortgage account;

(4) Property Certificate in Personal Name and personal credit report;

(5) Other documents and materials required by the bank.

Five, the use of provident fund loans to enjoy preferential interest rates.

1. Comparison table of interest rates of provident fund loans and commercial loans (the commercial loan interest rate in this table is the benchmark interest rate)

2. Interest-bearing range (calculated by the benchmark interest rate): If the loan is 500,000 yuan and the term is 20 years, the interest expense of the provident fund loan can be saved by 6,543,800 yuan+0,256,600 yuan compared with the commercial loan.

Repayment method of intransitive verbs: (1) average capital method (2) equal principal and interest method.

Seven, provident fund loans to undertake the bank

China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, Bank of China, Bank of Communications, Minsheng Bank and China CITIC Bank.

Huaxia Bank Guangzhou Bank Guangzhou Rural Commercial Bank Industrial Bank China Everbright Bank Shanghai Pudong Development Bank Ping An Bank China Merchants Bank Guangfa Bank Postal Savings Bank

Guangzhou Housing Provident Fund Management Center Address: No.0/2, Huajiu Road, Guangzhou.

Tel: 12329- 12345.

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