Nowadays, the pressure of buying a house is increasing, and it is difficult for soldiers to buy a house. Therefore, as early as August this year, the state adjusted the relevant policies and regulations on military provident fund loans, and soldiers can enjoy more preferential interest rates when making housing provident fund loans. Next, please look at the amount and duration of housing loans for active servicemen compiled by SouFun.

In the "Measures for the Administration of Military Housing Provident Fund Loans" issued by the General Logistics Department of the State, there are clear provisions on the preferential interest rate for active servicemen to use provident fund loans to buy houses: military personnel can enjoy the national unified preferential interest rate for housing provident fund loans when purchasing the first home. This policy has played an important role in broadening the financing channels for military personnel to purchase houses, promoting the socialization of military housing security, reducing the economic burden of military personnel to purchase houses, enhancing the cohesion and attractiveness of the army, and encouraging officers and men to join the practice of strengthening the army and rejuvenating the army.

Preferential target of military provident fund loan

Applicable people include: active officers, civilian cadres, non-commissioned officers, retired cadres managed by the army, etc.

1, military housing provident fund loans are subject to index management, pending approval. Officers in active service, civilian cadres and noncommissioned officers, as well as retired cadres and noncommissioned officers managed by the army, can apply for military housing provident fund loans from commercial banks designated by the army with the approval of their large units, and enjoy the national unified preferential interest rate for housing provident fund loans.

2. Application conditions. Applying for military housing provident fund loans should meet certain conditions, such as: neither husband nor wife has applied for military or local housing provident fund loans; If both husband and wife are soldiers, only one of them can apply for military housing provident fund loans, and so on. When examining and approving the qualifications of lenders, major units should give priority to the purchase of commercial housing, military personnel stationed in hard and remote areas and people separated from each other, taking into account the borrower's rank, service years and other factors.

Provisions on loan matters

The amount shall not exceed 400,000. According to the proportion of housing provident fund loans stipulated by the state, the amount of military loans generally does not exceed 400,000 yuan; The people's government at the place where the house is purchased stipulates that the housing provident fund loan limit exceeds 400,000.

The longest loan period is 20 years. According to the regulations of the local people's government, the longest loan period is 20 years, and the sum of the loan period and my age is no more than 65 years.

Loan guarantee. The purchase of commercial housing is based on the purchased housing, and the purchase of affordable housing or resettlement housing for military personnel should provide bank-recognized pledges, mortgages, guarantees and other guarantees;

Loan repayment. Repay the principal and interest as scheduled in accordance with the contract, and the overdue loan shall be repaid by the bank according to law;

Loan interest rate. Implement the housing provident fund loan interest rate announced by the People's Bank of China. In case of adjustment of housing provident fund loan interest rate, the military housing provident fund loan interest rate will be adjusted accordingly.

The "Measures" clarify the responsibilities that relevant military departments at all levels should perform in the management of military housing provident fund loans, as well as the penalties for handling housing provident fund loans in violation of regulations.

(The above answers were published on 2015-12-17. Please refer to the actual situation for the current purchase policy. )

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