Provident fund loan refers to the right of employees with housing provident fund to enjoy loans. According to the relevant laws of our country, all employees who have paid the provident fund can apply for related loans. 1. What is the down payment ratio of provident fund loans? The down payment ratio is no longer unified to 20%; General residential 35%; Two sets of unusual 80%. Whether the first suite or the second suite will directly affect the down payment ratio. The down payment ratio of provident fund loans will vary according to the nature of the house: 1. From low to high, the down payment ratio of affordable housing is not less than 20%. 2, the purchase of the first set of property housing and other policy housing, the down payment ratio is not less than 30%. 3. The down payment ratio of the first set of ordinary self-occupied housing other than policy housing shall not be less than 35%. 4. The down payment ratio of the first set of non-ordinary self-occupied housing other than policy housing shall not be less than 40%. 5. If you buy an ordinary self-occupied house and it is a second house, the down payment ratio shall not be less than 60%. 6. If you buy a non-ordinary self-occupied house and it is a second house, the down payment ratio shall not be less than 80%. Law: Article 18 of the Regulations on the Management of Housing Provident Fund stipulates: "The contribution ratio of housing provident fund for employees and units shall not be less than 5% of the average monthly salary of employees in the previous year. Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee, and shall be submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels. " 2. What are the application conditions for Beijing provident fund loans? 1, the identity is legal and valid. 2. Have full capacity for civil conduct. 3 have a stable occupation and income, good credit status, and the ability to repay the principal and interest of the loan. 4, purchase, construction, renovation, overhaul occupied housing. 5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents. 6, in line with the provisions of the loan client on housing provident fund deposit conditions. 7. Provide customer-recognized guarantee. 8. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans. 9. Meet other conditions stipulated by the client.

Legal objectivity:

"Regulations on the Administration of Housing Provident Fund" Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council. Seventh the State Council municipal construction administrative departments in conjunction with the the State Council municipal finance department, the people's Bank of China to develop housing provident fund policy, and supervise the implementation. The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas.