deadline
The loan term is determined by the provident fund center on an annual basis according to the loan amount, the repayment ability of the loan applicant and the wishes of the loan applicant. The loan application period shall not exceed the service life of the remaining land of the mortgaged real estate.
(1) The longest loan period of housing provident fund is 30 years (the age of second-hand houses and the loan period shall not exceed 30 years).
(2) Please refer to the following table for the consistent relationship between loan amount and loan term:
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The loan amount in the table refers to the provident fund loan amount or the total loan amount of portfolio loans (the provident fund loan amount refers to the bank loan amount).
The sum of the age of the second-hand house and the loan application period shall not exceed 30 years (when applying for a portfolio loan, it must meet the bank's second-hand house audit standards).
Note: The loan term of commercial housing for portfolio loans must be the same as that of provident fund loans.
loan rate
The loan interest rate is subject to the statutory interest rate announced by the People's Bank of China. In case of legal interest rate adjustment, it shall be adjusted according to the regulations of the People's Bank of China. The interest rate of the second loan is 1 times the interest rate of the provident fund loan in the same period.