Calculation of provident fund part:

1. If the borrower and his spouse have paid and deposited the housing provident fund in full and normally for more than 6 months according to regulations, the maximum loan amount is 550,000.

2. If the borrower unilaterally pays the housing provident fund in accordance with regulations, the maximum loan amount is 450,000.

3. Provident fund loanable amount = deposit base * 0.5 * 12 * loanable period.

The lowest of the above is the final loan amount.

Commercial loan part: n (the lower of the appraised value or the online signing price) * Loan ratio-provident fund loan part.

Package loan application process:

1. Go to the lending bank to submit a loan application

The borrower must hold a copy of the house purchase contract and the developer’s house sales license, and his/her identity Go to the real estate credit department in each district or county with your certificate, housing provident fund savings card, and seal to apply for a housing provident fund loan (if you use a housing provident fund loan for both spouses, you must also bring a marriage certificate or other proof of the relationship between the couple), and fill in the "Individual Housing Provident Fund Loan (Combined) Loan" application".

2. Bank review

The lending bank will assess whether the borrower meets the loan conditions based on the information provided by the borrower, calculate the loan amount, and determine the loan term.

3. Go to the lending bank to sign a loan contract

After the lending bank reviews the borrower's application, the borrower signs a loan contract and a mortgage contract with the bank (sign a pledge contract without housing guarantee) .

4. Go to the property rights department to handle loan guarantee procedures

There are two guarantee methods for housing provident fund loans (combination loans). The borrower can choose any one of them according to his or her actual situation. kind.

5. Apply for housing mortgage insurance

After the borrower completes the mortgage or pledge procedures at the property rights department, together with the loan contract, mortgage contract (pledge contract), other property rights certificates, The mortgage certificate and other loan information must be submitted to the lending bank for house insurance procedures.

6. Signing a repayment agreement and transferring funds

If the repayment is repaid by withholding the savings card, the borrower should go to the savings outlet to handle the repayment withholding the savings card, and contact the lending bank Sign a withholding agreement. If the unit is entrusted to withhold the repayment, the unit shall sign an agreement with the lending bank.

7. Bank transfer

The borrower goes to the lending bank to go through the payment procedures at the time agreed with the lending bank, and the lending bank transfers the money to the selling unit; it is used for repairs, Loan for building a house, the borrower draws it according to the loan contract