According to the Detailed Rules for the Implementation of Individual Housing Loan of Chengdu Housing Provident Fund, the maximum amount of provident fund loan in Chengdu is 700,000 yuan for two or more employees who meet the loan conditions and 400,000 yuan for a single employee.
The calculation method of the loan amount of Chengdu provident fund loan is loan amount = (borrower's provident fund deposit balance+* * and applicant's provident fund deposit balance) ××××× deposit time coefficient× 20 times.
If the continuous normal deposit time is less than 12 months, the deposit time coefficient is 0.5;
If the continuous normal deposit time is 12 months to 24 months, the deposit time coefficient is 0.9;
If the continuous normal deposit time exceeds 24 months, the deposit time coefficient is 1.
For two or more loan applicants who meet the loan conditions, the deposit time coefficient can be determined according to the party with a long continuous normal deposit time.
Loan term: calculated as a whole year, the shortest is 1 year, and the longest is 30 years. The maturity date of the loan shall not exceed 5 years after the statutory retirement time of the loan applicant, that is, men are under 65 years old and women are under 60 years old (female cadres and female professional technicians with senior titles are under 65 years old). Two or more loan applicants who meet the loan conditions may determine the loan term according to a longer term.
To apply for a second-hand housing loan, the loan term plus the building age of the purchased house shall not exceed 30 years. The construction life of the purchased house shall be based on the service life confirmed in the housing information summary table issued by the local housing management department or the evaluation report issued by the evaluation agency.
Down payment ratio and interest rate of Chengdu provident fund loan (1) If the first home provident fund loan policy is implemented, the down payment ratio shall not be less than 30%; If the second-home provident fund loan policy is implemented, the down payment ratio shall not be less than 40%.
(2) If the purchased re-traded house is over 10, the minimum down payment ratio will be correspondingly increased by 10%.
(three) the implementation of the first home provident fund loan policy, the loan interest rate is the statutory provident fund loan interest rate for the same period;
(4) If the second set of housing provident fund loan policy is implemented, the loan interest rate is 1. 1 times of the first set of housing provident fund loan interest rate in the same period.
The monthly repayment amount of the loan applicant to repay the housing loan shall not be higher than 50% of the monthly income.