I. Term of the loan

The longest loan period shall not exceed 30 years. For the construction, renovation, overhaul of housing and the purchase of existing public housing, the longest loan period shall not exceed 10 years. The borrower's age plus the loan period, the longest male is no more than 65 years old, and the longest female is no more than 60 years old.

Second, the loan amount.

1. Employees who pay 80- 100 yuan/month (including 100 yuan/month) of housing accumulation fund can get a loan of 60,000 yuan;

2. Employees who pay the housing accumulation fund 100- 150 yuan/month (including 150 yuan/month) can get a loan amount of 80,000 yuan;

3. For employees who have paid the housing accumulation fund 150-200 yuan/month (including 200 yuan/month), the loan amount is 90,000 yuan;

4. For employees who have paid 200-250 yuan/month (including 250 yuan/month) into the housing accumulation fund, the loan amount is 1 1 ten thousand yuan;

5. For employees who have paid 250-300 yuan/month (including 300 yuan/month) into the housing accumulation fund, the loan amount is 1.2 million yuan;

6. For employees who have paid 300-400 yuan/month (including 400 yuan/month) into the housing accumulation fund, the loan amount is 1.4 million yuan;

7. For employees who have paid 400-500 yuan/month (including 500 yuan/month) into the housing accumulation fund, the loan amount is 1.6 million yuan;

8. For employees who have paid 500-600 yuan/month (including 600 yuan/month) into the housing accumulation fund, the loan amount is 6,543,800 yuan+8,000 yuan;

9. Employees who have paid 600-700 yuan/month (including 700 yuan/month) of housing provident fund can get a loan of 200,000 yuan;

10. For employees who have paid 700-800 yuan/month (including 800 yuan/month) into the housing accumulation fund, the loan amount is 220,000 yuan;

1 1. For employees who have paid 800-900 yuan/month (including 900 yuan/month) into the housing accumulation fund, the loan amount is 250,000 yuan;

12. For employees who have paid 900- 1000 yuan/month (including 1000 yuan/month), the loan amount is 280,000 yuan;

13. For employees who have paid the housing accumulation fund 1000- 1200 yuan/month (including 1200 yuan/month), the loan amount is 3 10000 yuan;

14. Employees who have paid the housing accumulation fund for more than 1200 yuan/month can get a loan of 340,000 yuan.

Employees who have paid 80- 100 yuan/month (including 100 yuan/month) into the housing provident fund can enjoy a maximum loan of 70,000 yuan if they pay the housing provident fund in a normal, continuous and full amount and have no personal loan from the housing provident fund as a guarantor; 1998 12 1 employees who have joined the work and paid the housing accumulation fund (including housing subsidies) in full, can refer to the above maximum loanable amount; Maximum loan amount for each household: for the purchase of newly-built commercial housing or second-hand housing, the maximum loan amount shall not exceed 80% of the value of the purchased housing and collateral; If the borrower pledges securities such as treasury bills and bank time deposit certificates, the loan amount plus loan interest shall not exceed the value of the securities.

Third, the loan interest rate.

The loan interest rate shall be implemented according to the relevant provisions of the state. In case of legal interest rate adjustment, the new interest rate regulations will be implemented according to the corresponding interest rate grades from the beginning of next year.