Guangzhou Housing Provident Fund Management Center has formulated corresponding loan policies according to national regulations, and set different loan ceilings according to different situations. At present, employees in Guangzhou enjoy relatively generous welfare benefits in housing loans. According to the regulations of Guangzhou Provident Fund Management Center, the upper limit of Guangzhou Provident Fund loan is generally 70% of the total purchase price, and the specific loan amount will also be restricted by buyers and houses. For example, the repayment ability and credit history of buyers will have an impact on the loan amount, and the location and price of the house will also have an impact on the loan amount. It should be noted that property buyers can only apply for provident fund loans after meeting the relevant conditions. Relevant materials should be submitted during the application process and the provident fund should be paid as required. At the same time, during the loan period, the purchaser still needs to repay in full and on time, otherwise it may have an impact on the credit record and subsequent loans.
Is there a minimum amount of Guangzhou provident fund loan? According to the regulations of Guangzhou Provident Fund Management Center, employees applying for loans must reach the local minimum deposit, and the loan amount shall not be less than 50,000 yuan. At the same time, different commercial banks may also set some minimum quotas for Guangzhou provident fund loans.
Guangzhou provident fund loan policy is formulated and implemented by the local provident fund management center, which provides great support and help for property buyers. However, buyers need to abide by the corresponding conditions and regulations, repay in full and on time, and protect their rights and credit records.
Legal basis:
Article 15 of the Regulations on the Management of Housing Provident Fund, if the owner-occupied housing is purchased, built or renovated with provident fund loans, the maximum amount of housing provident fund loans shall be 70% of the total price of the purchased housing or the actual investment amount of the housing built.