What is the loan amount of Binzhou provident fund?
Although the approval of provident fund loans is strict, the loan amount may not be higher than that of commercial loans. But compared with commercial loans, the advantages of provident fund are more obvious. After all, the interest rate of 3.25% is only 6.6 times of the benchmark interest rate of 4.9%, so more people prefer to use provident fund loans to buy houses.
The loan amount of provident fund = the sum of the monthly contributions of both husband and wife to the provident fund, and the contribution ratio is 65438+ 40% of the loan period of 02 months.
Provident fund loan amount = fifteen times the balance of the provident fund account of both husband and wife.
The loan amount of housing provident fund is linked to the account balance, and the current maximum multiple is relaxed from 15 to 40 times. On the basis of 20 times of the deposit balance in the provident fund account, the maximum amount of Binzhou family housing loan for unilateral provident fund deposit is 300,000 yuan, and at the same time, various factors such as the deposit situation, repayment ability, credit situation, appraisal value of mortgaged houses and so on are comprehensively considered.