Hello, it must be the same. The term of individual housing provident fund loan in portfolio loan is the same as that of bank individual housing loan. The longest loan period shall not exceed the period from the date of loan issuance to the statutory retirement age of the country. The longest loan period is different for different houses. The maximum loan period for purchasing commercial housing and affordable housing is 30 years; Purchase cooperative housing, private housing and self-built housing, and the longest loan period is 15 years; The longest loan period for purchasing public housing, rebuilding housing, replacing public housing and overhauling self-occupied housing is 10 year.
Term and fixed number of years of provident fund loans
Legal analysis: 1. The longest term of housing provident fund loans is 30 years.
2. In principle, the sum of the borrower's age and the loan application period shall not exceed 5 years after his statutory retirement age, that is, male employees can borrow until 65 years old and female employees can borrow until 60 years old.
Legal basis: Regulations on the Management of Housing Provident Fund
Eighteenth employees and units housing provident fund deposit ratio 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 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.
Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by their units.
The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank will transfer it to the employee housing provident fund account.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
Term of provident fund loan
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. The term of the provident fund loan is between 1 and 30 years, and the longest term cannot exceed 5 years after the borrower's statutory retirement age. As the loan period of housing provident fund is influenced by many factors, the loan period of housing provident fund can only be determined according to the type of housing, the age of the applicant and the type of loan, which is divided into the following categories:
First, if the housing provident fund loan is used to purchase ordinary commodity housing, price-limited commodity housing and targeted sales (resettlement) affordable housing, the general loan period shall not exceed 30 years; The purchase of private housing shall not exceed 20 years at the longest; The period of purchasing public housing property rights or building, renovating or overhauling self-owned housing shall not exceed 10 years.
Second, the loan period of housing provident fund is not only related to the object of purchase, but also related to the applicant's own age. Most places stipulate that the sum of the borrower's age and the loan period shall not exceed 5 years after the statutory retirement age. The legal retirement age is generally calculated according to the age of 55 for women and 60 for men; Unless otherwise stipulated by the state, the retirement age shall be implemented according to its provisions, but the maximum retirement age shall not exceed 65 years old.
Third, the loan period of housing provident fund is also closely related to the loan type. If the applicant's loan type is a combination loan model of "commercial bank loan housing provident fund loan", then the loan period of both must be the same, that is to say, the loan period of housing provident fund at this time is generally not more than 20 years.
Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
There are other relevant provisions for the calculation of specific years, as follows:
1. If the lender purchases commercial housing or price-limited commercial housing, the loan term shall not exceed 30 years.
2. If the lender purchases private housing, the loan period shall not exceed 20 years.
3. If the lender purchases a second-hand house, the longest term of the house purchase loan shall not exceed 15 years.
4. The lender is building, renovating or overhauling its own house, and the term of the provident fund loan shall not exceed 65,438+00 years.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
What is the difference between the loan period of provident fund and commercial loan?
Business loan 30 minus the age of the house you bought is your loan life!
The maximum public loan is 15, the maximum commercial loan is 30 years, and the maximum provident fund is 15. Provident fund loans are now no more than 15, while commercial loans are up to 30 years.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!
This is the end of the introduction of the commercial loan provident fund loan term and the commercial loan provident fund loan term. I wonder if you have found the information you need?