First, the loan object and conditions

1, with permanent residence in Linqu County; 2, the borrower and the unit for more than half a year, and apply for provident fund loans, units and individuals are not in arrears; If the housing provident fund system is not implemented, units and individuals shall pay the provident fund in one lump sum for more than 2 years according to the current salary base, and pay it continuously within the loan period; 3, the purchase of owner-occupied housing to apply for a second provident fund loan, must be paid off after the first provident fund loan; 4, a stable source of income, can repay the loan principal and interest on schedule, and has a good reputation; 5. A legal and effective procurement contract or agreement; 6. Having collateral or pledge recognized by the Housing Provident Fund Management Center (hereinafter referred to as the Center); 7. Other conditions required by the Center.

Second, the loan term.

The loan term shall be determined according to the actual situation of the borrower, and the loan term plus the borrower's age shall not exceed the statutory retirement age of the borrower; That is, male employees are 60 years old and female employees are 55 years old; According to the actual situation of our county, the longest temporary loan period is 10 year.

Third, the loan amount.

1, 80% of the purchased house price for owner-occupation, and the old house price cannot exceed 50% of the appraised house price; 2, the husband and wife according to the current housing provident fund payment level to the national statutory retirement age of 2 times the cumulative deposit; 3. The monthly repayment amount of loans with a term of less than 5 years shall not exceed 50% of the total monthly income of both husband and wife (excluding loans with a term of 1 year), and the monthly repayment amount of loans with a term of more than 6 years shall not exceed 40% of the total monthly income of both husband and wife. Determine the loan amount according to the above three conditions. According to the actual situation in our county, the current tentative maximum loan amount is 200,000.

Fourth, the repayment method

Housing provident fund loan repayment adopts the method of equal principal and interest repayment, that is, the borrower repays the loan principal and interest in equal amount every month.

Verb (abbreviation for verb) guarantee

For housing provident fund loans, if the borrower takes the form of mortgage guarantee, it needs a guarantee company to provide guarantee. The guarantee rate is 1.4‰ for less than 5 years (including 5 years) and 1‰ for 6 years to 10 years. The guarantee rate is not calculated in stages. Guarantee fee = loan term × loan amount × applicable interest rate