I. Loan amount
Apply for a housing provident fund loan for the first purchase, and the loan amount shall not exceed 80% of the transaction price of the purchased house.
The purchased house belongs to the re-traded house, and the loan amount shall not exceed 70% of the transaction price, deed tax approved price and evaluation price of the purchased house.
Apply for a housing provident fund loan for the purchase of a second house, and the loan amount shall not exceed 70% of the transaction price of the purchased house.
The purchased house belongs to the re-traded house, and the loan amount shall not exceed 60% of the transaction price, deed tax approved price and evaluation price of the purchased house.
It shall not be higher than the maximum amount of individual housing provident fund loans determined by Mianyang Housing Provident Fund Management Committee of 600,000 yuan.
It shall not be higher than the loan amount calculated and determined according to the repayment ability and deposit balance.
Second, the loan amount estimation
Enter the website of Mianyang Housing Provident Fund Management Center? Mianyang housing fund management center
Click on provident fund service
Click on the personal housing provident fund housing loan amount estimator for Mianyang employees.
Fill in the estimated data.
Third, the loan term.
The longest period is not more than 30 years, and the loan application period of the borrower shall not exceed its statutory retirement period in principle.
Men are not over 60 years old, female cadres are not over 55 years old, and female employees are not over 50 years old.
Calculate the loan life with the remaining working life of the main borrower.
Lenders with strong repayment ability, good personal credit and effective post-loan management can appropriately extend the loan term to 1-5 years after retirement.
If the loan period is extended to retirement, the balance of housing provident fund in my account can only be withdrawn after paying off all the loan principal and interest.
The above sources of information:? Mianyang housing fund management center