The interest rate of provident fund credit loans is generally between 4% and 5%? If necessary, you can go to WeChat applet, Lv Qing. Lv Qing has free pre-loan consultation service, which should be helpful to you.
2. What are the interest rates of Chengdu Provident Fund credit loans?
There is no credit loan for provident fund loans, but the property you bought is used as collateral. Whether it is an auction house or an existing house, the loan interest rate is 3, so the real interest rate is much higher than this.
How much can I borrow from the 34 thousand provident fund?
Provident fund 4 universal loans up to 400 thousand, married loans up to 600 thousand.
1. Calculation formula: provident fund loan amount = account balance × deposit amount in August × months from retirement age;
2. Maximum amount of provident fund loan: ① One person applies for individual housing provident fund loan with a maximum amount of 600,000 yuan; (2) Two or more people purchase the same set of self-occupied housing and apply for individual housing provident fund loans. The loan amount is the sum of each applicant's loan amount, with a maximum of 6,543,800 yuan.
3. Age of provident fund loan: the female quota is 55 years old and the loan period is 60 years old; The male quota is 60 years old and the loan period is 65 years old;
4. Provident fund deposit base: the monthly deposit amount of the provident fund loan application ×2≤ the provident fund deposit base;
Second, the house sold by the owner is mortgaged, which is a provident fund loan or a portfolio loan. If the customer applies for a provident fund loan or a portfolio loan, he must wait until the owner pays off the original loan before approving the new loan.
Third, the amount of provident fund loans in each city is different. Here are a few simple examples (all of which are the first home loan quotas):
1, beijing beijing provident fund loans can be lent 1 10,000 yuan per year, and if the deposit period is less than 1 whole year, the maximum loan can be 1 .2 million, and the maximum loan ratio is 80%.
2. The maximum amount of personal loans in Shanghai is 500,000, and the maximum amount can be 600,000 if there is supplementary provident fund; The housing area is less than or equal to 90_ 80% of the maximum loan ratio; Housing area over 90 _ The maximum loan ratio is 70%.
3. The maximum personal loan in Guangzhou is 600,000 yuan, the maximum loan ratio without housing and loans can reach 70%, the maximum loan ratio without housing and loans has been settled 60%, and the maximum loan ratio for non-ordinary housing is 30%.
4. The maximum personal loan in Shenzhen is 500,000 yuan, and the maximum loan ratio is 70%.
5. The maximum personal loan in Tianjin is 600,000 yuan, and the maximum loan ratio is 70%.
6. The maximum personal loan in Chongqing is 400,000 yuan, the housing area is less than or equal to 90_ and the maximum loan ratio is 80%; The housing area is more than 90_ and less than or equal to 144_, and the maximum loan ratio is 70%; Housing area 144_ above, and the maximum loan ratio is 60%.
7. The maximum personal loan in Nanjing is 500,000 yuan, and the maximum loan ratio is 80%.
8. The maximum personal loan in Hangzhou is 500,000 yuan, and the maximum loan ratio is 70% for commercial housing and 80% for affordable housing; 70% of second-hand houses are less than or equal to 20 years, and 60% are more than 20 years.
9. The maximum personal loan in Wuhan is 700,000 yuan; The housing area is less than or equal to 90_ 80% of the maximum loan ratio; Housing area over 90 _ The maximum loan ratio is 70%.
10, the maximum personal loan amount in Chengdu is 400,000, and the maximum loan ratio is 70%. The amount of provident fund loans in other cities can be directly logged into official website, the local housing provident fund management.
4. What is the latest interest rate of Chengdu Provident Fund loan?
The latest interest rate of provident fund loans is unified nationwide.
20 15 September 12, 5 years or more, 3.25%; 2.75% for less than 5 years, but it is of little practical significance and few people choose it.