In 202 2, Yantai provident fund loan quota stipulated that the maximum amount of provident fund personal housing loan was 450,000, and it should not exceed a certain proportion of the purchased housing value. In addition, the longest term of provident fund personal housing loan is 30 years, and the loan term plus the borrower's age at the time of borrowing shall not exceed 5 years after the borrower's statutory retirement age (65 years for men and 60 years for women), and the second-hand housing loan shall not exceed the remaining service life of the purchased land use right. The above is the relevant content of Yantai provident fund loan amount in 2022.

How to handle personal provident fund loans?

1. Users apply for provident fund loans first, and submit loan application forms, personal credit reports, bank accounts, personal income certificates and other materials to the bank for approval;

2. The bank will submit the data to the provident fund management center for review after the audit;

3. After the approval of the individual provident fund management office, notify the bank, and finally the bank lends money;

4. After the loan, the assets will be directly transferred to the account of the real estate developer.

Under normal circumstances, whether buying a pre-sale house or an existing house, after the certificate of immovable property rights comes down, it must be mortgaged to the bank. After the user settles the loan, he can cancel the mortgage and get back the certificate of immovable property right.

How many years is the most cost-effective provident fund loan?

How many years is the most suitable for provident fund loans? Users need to consider according to their own actual situation. When choosing the loan term, users should fully consider various factors such as the type of house, the status of the user's unit and the user's own age. Of course, we also need to give full consideration to inflation. Under normal circumstances, the longer the loan application time, the better. Suppose the user applies for a personal provident fund loan of 600,000 yuan, and the interest rate is calculated at 3. 25%. If the user chooses to borrow for ten years and repay the loan in the form of equal principal and interest, then the user always has to pay interest of 6,543,800 yuan. If the loan is 15 years, the interest will be paid10.5 million yuan according to the method of equal principal and interest. The loan needs to pay interest of 220 thousand for 20 years. It is not difficult to see that with the improvement of repayment time, the interest that users have to pay is also increasing. Many users will think that because the loan interest will increase with the increase of the loan term, they will choose short-term loans. However, users still need to fully consider the daily repayment pressure and inflation. This paper is mainly about the knowledge points of Yantai provident fund loan amount in 2022, and the content is for reference only.