The loan amount of provident fund is equal to the monthly deposit multiplied by the number of loan periods multiplied by the loan interest rate multiplied by 12.

Where, the meaning of each parameter is as follows:

1. Monthly deposit amount: refers to the amount that individuals and units deposit into the provident fund account every month. At present, Chengdu stipulates that the minimum payment is 5% of individual salary, and the unit payment is not less than 5% of individual payment;

2. Number of loan periods: refers to the repayment period of the loan, and the longest term of the Chengdu provident fund loan is 30 years;

3. Loan interest rate: refers to the loan interest rate of provident fund. The interest rate of provident fund loans in Chengdu depends on different repayment methods and terms, generally between 3.25% and 4.5%.

Materials required for handling provident fund loans include:

1. Personal identification documents: including ID cards, household registration books, passports and other valid documents;

2. Provident fund account information: including the account opening certificate and deposit certificate of the provident fund account;

3. Purchase contract and real estate license: including purchase contract, real estate license or house sales contract, etc.

4. Personal credit report: it can be obtained through the Credit Information Center of China People's Bank;

5. Personal income certificate: including salary certificate, business license of individual industrial and commercial households, tax registration certificate, etc.

6. Other asset certificates: including bank deposit certificates and vehicle certificates.

To sum up, the loan application requirements of different banks and different regions may be different, and the specific materials needed may also be different. Therefore, before handling the provident fund loan, it is recommended to go to a specific bank or local provident fund management center for consultation and understanding, and prepare the corresponding materials in advance. At the same time, when submitting the application materials, you should provide true and valid certificates to ensure the validity and authenticity of the materials, so as not to affect the application results.

Legal basis:

Article 6 of the Regulations on the Management of Housing Provident Fund

The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.

Article 7

The construction administrative department of the State Council shall, jointly with the finance department of the State Council and the People's Bank of China, formulate the housing accumulation fund policy and supervise its implementation. The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas.