If the borrower and his/her spouse have paid and deposited the housing provident fund in full and normally for more than six months as required, the maximum loan amount is 550,000 yuan.

The borrower has unilaterally paid and deposited the housing provident fund in accordance with the regulations. For housing provident funds, the maximum loan limit is 450,000 yuan

The borrower's loan limit within the maximum loan limit = the sum of the monthly salary income of the borrower and his wife who have contributed to the housing provident fund × 12 (month) × 0.5 × The actual loan period, ***property holders and repayment participants are not included in the calculation scope

1. Loan conditions

1. The loan applicant must meet the normal requirements according to regulations The housing provident fund has been paid in full for more than six consecutive months

2. The developer of the commercial housing purchased by the loan applicant must have a provident fund mortgage business contract (agreement) with the management center

3? . The loan applicant is permanently resident in this city, has full capacity for civil conduct, good credit, stable economic income and the ability to repay the principal and interest of the loan; the monthly repayment amount shall not exceed 50% of his/her family's monthly income

4. The down payment for a housing provident fund loan for the first home should be no less than 20% of the house price.

The down payment for a housing provident fund loan for the second house should be no less than 20% of the house price. The loan interest rate is based on the first house price in the same period. The interest rate on housing provident fund loans will be 1.1 times.

Stop issuing housing provident fund personal housing loans to families of contributing employees who purchase their third home or above

5. Commercial loans are involved in portfolio loans For loans, the down payment, number of loans, interest rates and other relevant regulations shall be implemented by the loan undertaking bank in accordance with the relevant regulations of the People's Bank of China

6. Both the applicant and the couple have no outstanding housing provident fund loans

< p>7. The loan applicant must be the buyer of the house and the proportion of the property ownership shall not be less than 50% (inclusive)

2. Term and interest rate

1. Maximum term : 20 years; and the sum of the borrower's age and the loan period shall not exceed 5 years after the legal retirement age, and the loan must be applied for before retirement

2. Interest rate: subject to the regulations of the People's Bank of China

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3. The specific amount and period of the loan are determined according to the borrower’s application and repayment ability

3. Notes on filling in

1. Fill in the specific location of household registration Police station name

2. All forms and certificates must be filled in with a black ink pen (pen), and alterations will be invalid

3. When applying for a loan, the borrower, ***property owner, Both spouses participating in the repayment must be present to sign at the same time. If you entrust someone else to sign on your behalf, you must issue a notarized "Power of Attorney"

IV. Several fees for personal loan processing

1. Stamp duty: 0.05‰ of the loan amount ( The bank collects it on behalf of the borrower and turns it over to the tax department)

2. Guarantee fee: Guarantee fee is waived when applying for a housing provident fund loan; if an individual borrower is unable to apply for a loan due to bad credit, he or she can apply for a credit guarantee from a guarantee company. If the guarantee company agrees to provide guarantee, it will charge the loan amount × 0.6‰

6. Loan application procedures

Hefei Housing Provident Fund Management Center implements one-stop review service

The business hall on the first floor is for loan application review

The contract signing hall on the second floor is the place for signing loan contracts and handling related procedures

When applying and handling the loan, both husband and wife need to be present to sign the contract at the same time. If there are other property owners or people participating in the repayment, ***The owner of the property or the person participating in the repayment also needs to be present. The insurance is based on the principle of voluntariness, and the parties decide whether to insure or not

7. Telephone consultation hotline: 12329

The above materials From

Hefei Housing Provident Fund Management Center