Nanning provident fund loan period:

The shortest loan period is 1 year, and the longest is 30 years. The maturity date of the loan shall not exceed the statutory retirement time of the borrower. If the loan applicant has continuously paid the housing provident fund in full for more than 5 years, the loan period can be extended to 1 year to 5 years after the statutory retirement age. For non-husband and wife loan applicants who meet the loan conditions, the loan term shall be determined according to a shorter period. The age of the house purchased cannot exceed 30 years. The age of the self-occupied house shall be based on the completion time of the permanent quality responsibility sign at the completion of the project or the registration time shown in the original file of the house issued by the real estate management department. The service life of the loan collateral plus the loan term should be less than the service life of the land where the collateral is located.

Loan interest rate:

The interest rate of the provident fund loan is subject to the statutory interest rate announced by the central bank: if the first home provident fund loan is implemented, the loan interest rate is the benchmark interest rate of the provident fund loan for the same period; If the second set of housing provident fund loans 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.