Housing provident fund loans issued by purchasing new houses as mortgage loans shall generally not exceed the period from the date of issuance of housing provident fund loans to the statutory retirement age of borrowers, and the longest period shall not exceed 30 years; Entrusted loans issued with the borrower's second house property or third house property as mortgage loan, the loan term shall not exceed the remaining service life of the mortgaged house property, and the longest shall not exceed 65,438+05 years; Where a certificate bond or a bank time deposit certificate is pledged, the longest loan term shall not exceed the maturity date of the certificate bond or bank time deposit certificate.
What is the maximum amount of provident fund loans?
1. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion to house price, balance of housing provident fund account and maximum loan amount. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method of the loan amount of the provident fund is as follows: the loan amount calculated according to the repayment ability, and the calculation formula is: [(total monthly salary of the borrower+monthly deposit amount of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month).
2. According to the amount used by the spouse [(the total monthly salary of both husband and wife+the monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-the total monthly repayment amount of existing loans of both husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio). The calculation formula of the loan amount calculated according to the house price is: loan amount = house price × loan ratio.
3, according to the maximum loan amount, use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400 thousand yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.
To sum up, it is Bian Xiao's answer about how many years the provident fund can be loaned, hoping to help you.
legal ground
Regulations on the administration of housing provident fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.