If both borrowers deposit normally, the maximum loan amount is 600,000 yuan; If the borrower makes a normal unilateral deposit, the maximum loan amount is 300,000 yuan.

Second, the provident fund loan interest rate:

20 15, 10 adjust and implement the current provident fund loan interest rate. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the annual interest rate of provident fund loans for less than five years is 2.75%, which is consistent throughout the country.

Third, the repayment method of provident fund

1. Equal principal and interest repayment method

Add up the total principal and interest of the mortgage loan and distribute it evenly to each month of the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.

2. average capital Repayment Law

The lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.