if you buy a house, the maximum is 8%. Personal housing provident fund loan is a kind of loan right enjoyed by employees who pay provident fund. As long as they are employees who have paid the provident fund, they can apply for provident fund loans according to the relevant provisions of provident fund loans, and their interest rates are low. Loan scope: 1. Buying a real estate developed by a real estate enterprise requires a house purchase loan; 2, the purchase of public housing can be sold in accordance with the provisions, the need for housing loans; 3, the purchase of second-hand housing with property rights in the real estate market, the need for housing loans; 4, due to the construction, renovation, overhaul of owner-occupied housing in cities and towns in this city, the need for housing loans; 5, in order to cooperate with the government to deepen the reform of the housing system, other housing loan projects approved by the bank. Loan amount and term: according to the current policy, the basic provident fund loan does not exceed 1, yuan per household or 15 times of the total account storage, and the supplementary provident fund loan does not exceed 3, yuan per household or 2 times of the storage balance. For employees who have paid both provident funds, the maximum loan amount shall not exceed 13, yuan. And it does not exceed 8% of the total house price, and the longest loan period is 3 years. The loan amount for purchasing second-hand houses or renovating or overhauling houses shall not exceed 5% of the total house price, and the longest term shall be 1 years. However, the loan period of the principal lender shall not exceed the statutory retirement age of 5 years. Loan interest rate: (1) From September 15, 27, the interest rate of individual housing loan for housing provident fund will be increased, and the annual interest rate for loans under five years (inclusive) will be adjusted from the current 4.59% to 4.77%; Loans for more than five years are adjusted from the current annual interest rate of 5.4% to 5.22%. In December 28, the interest rate of individual housing provident fund loans for five years or less was adjusted from 3.51% to 3.33%. For more than 5 years, it was adjusted from 4.5% to 3.87. (2) The loan accepted and signed before September 14th, 27 (including September 14th) shall be subject to the interest rate before adjustment, and the loan accepted and signed after September 14th, 27 shall be subject to the adjusted interest rate. Unpaid loans issued before September 15, 27 shall be implemented according to the provisions of the above notice from January 1, 28. Repayment methods: The repayment methods of housing provident fund personal housing loan include: monthly equal principal and interest repayment method and monthly average capital repayment method. The monthly equal principal and interest repayment method refers to the repayment method in which the borrower repays the loan principal and interest every month unchanged, but the loan principal increases month by month and the loan interest decreases month by month. The monthly average capital repayment method refers to the repayment method in which the borrower repays the principal fixed every month and the loan interest decreases month by month. What needs to be explained is that the personal loan of provident fund within one year should repay the principal and interest in one lump sum at maturity; For a personal provident fund loan with a term of more than one year, the principal and interest of the loan shall be repaid monthly.