Provisions on the handling fee standard for provident fund loans:

1. Insurance or guarantee fee: pure provident fund loan, loan amount × corresponding interest rate × loan term; Portfolio loan is: total house price × corresponding interest rate × loan term;

2. Deed tax: x1.5% of the total house price;

3. Mortgage registration fee: x1.5% of the loan amount, with the maximum not exceeding 200 yuan;

4. Production cost: the commodity house is a pure provident fund loan 160 yuan and a combined loan 170 yuan; Pure provident fund loans to 80 yuan, portfolio loans to 90 yuan; Add 10 yuan to the property right * *;

5. Agency fee: pure provident fund loan in 200 yuan, combined loan in 250 yuan;

6. Maintenance fund: construction area ×40 yuan/m2;

7. Measurement fee: construction area ×0. 19 yuan/m2.

Extended data

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Resource Phoenix Network-Heavy! There are major changes in the provident fund to buy a house, which will be implemented next Monday!

Refer to Baidu Encyclopedia-Provident Fund Loan