Currently, the amount of provident fund loans in Chongqing has been increased from 15 times to 25 times the account balance. The maximum limit for individuals is 400,000 yuan. However, couples are allowed to participate in the loan, and a family can borrow up to 800,000 yuan. In addition, the loan term is increased from 20 years to 30 years, and the repayment term is up to 10 years after the borrower's legal retirement age. For young people who have just worked for one to two years, the loan amount paid is not enough to buy a house. For example, if the monthly deposit amount of the unit and employees is 500 yuan, and the deposit amount has been continuously paid for one year, the balance will be 6,000 yuan. According to 25 Calculated at times, the available loan is 150,000 yuan, which may not be enough to satisfy the employee’s house purchase loan. The Municipal Housing Provident Fund Management Center stated that since the loan amount and deposit amount are linked, in order to allow the majority of deposit-paying employees to enjoy the benefits of low-interest house purchase, loan employees are allowed to make up their account balances. To repay the account balance, the conditions such as "the balance of the loan is less than 16,000 yuan" must be met at the same time. It is understood that since the remittance object of the provident fund account is the employee's unit, the employee who deposits the deposit needs to handle the unit's work when making up the payment, but the funds for the repayment are the employees' own funds.

No matter whether you have a foreign household registration or not, you cannot meet the 20% standard now (local household registration in Chongqing also requires a down payment of 30%). Whether you are buying a new house or a second-hand house, it must be your first home. The bank has not loaned it. payment, no bad credit record)