the amount of provident fund loan in weihai city is mainly determined by the following factors: the applicant's deposit period, monthly income, purchase area, house appraisal, repayment ability, etc. Among them, the deposit period and monthly income are the most basic considerations, usually the longer the higher, the higher the higher. At the same time, if the purchased house has a large area or a high valuation, the loan amount will be increased accordingly. In addition, the ability to repay loans is also an important factor in evaluating the quota, and banks will consider the applicant's loan record, income and expenditure status, credit status and so on. In Weihai, the maximum amount of provident fund loan is 5 million yuan, but the actual final loan amount still needs to be determined according to the specific situation. When applying for a loan, the applicant needs to provide relevant personal materials, proof of house purchase, collateral evaluation report, etc., and can only obtain the loan amount after being audited by the bank.
what is the interest rate of the provident fund loan in weihai? The interest rate of the provident fund loan in Weihai depends on the specific situation, and the current annual interest rate is 3.25% to 4.5%. The specific interest rate can be consulted by the local provident fund management center or bank.
In short, the application for provident fund loans in Weihai needs to provide relevant supporting materials and be reviewed in strict accordance with the regulations. At the same time, we need to evaluate the loan amount and repayment ability according to our own situation, and plan the loan plan reasonably to avoid unnecessary economic pressure.
Legal basis:
Article 31 of the Individual Income Tax Law of the People's Republic of China, if an individual obtains housing accumulation fund, it shall be exempted from tax according to the relevant regulations of the State Council. In other words, when the buyers in Weihai withdraw the provident fund to repay the loan, the taxes and fees paid can be exempted.