Provident fund loans refer to individual housing provident fund loans, and housing provident fund loans have become the first choice for many young people. However, if they want to successfully pass the approval of provident fund loans, they should also pay attention to the problem of stopping payment. I plan to buy a house in the near future, and the provident fund that I have paid for many years can finally come in handy. What is the amount of Changshu first-home provident fund loan, and how long can Changshu first-home provident fund loan last? Provident fund loans refer to individual housing provident fund loans, and housing provident fund loans have become the first choice for many young people. However, if they want to successfully pass the approval of provident fund loans, they should also pay attention to the problem of stopping payment. I plan to buy a house in the near future, and the provident fund that I have paid for many years can finally come in handy. What is the amount of Changshu first-home provident fund loan, and how long can Changshu first-home provident fund loan last?

How much is the loan amount of Changshu first suite provident fund?

1, the provident fund loan for the first suite shall not exceed 80% of the house price; New ordinary housing (more than 90 square meters) does not exceed 70% of the house price; Complete housing (second-hand housing) and self-built housing stock shall not exceed 70% of the house price. For the second suite, it does not exceed 50% of the house price. If the purchase contract (agreement) stipulates the purchase price of the house with attic, the loan amount of the total purchase price can be calculated together.

2. The loan amount calculated according to the repayment ability: (total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan × loan period (month).

3. Loan amount calculated according to house price: loan amount = house price × loan ratio. Among them, the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans.

How long can Changshu's first housing provident fund loan last?

1, the first set of housing provident fund loans generally does not exceed 30 years, and the balance of the housing provident fund account of the loan applicant (including * * * the same loan applicant) is × 10 times; The loan term shall be determined according to the monthly repayment amount not exceeding 50% of the monthly deposit base. If the balance of the borrower's (including the borrower's) housing provident fund account is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan.

2. No more than 500,000 new ordinary houses (300,000 single employees), and no more than 350,000 second-hand houses and self-built houses (2 1 10,000 single employees).

3, the new ordinary housing is not more than 30 years, the stock of complete sets of housing (second-hand housing), self-built housing loan period is not more than 20 years. The loan term plus the actual age of the loan applicant cannot exceed the statutory retirement age, and the loan term of the complete stock housing shall not exceed the remaining service life of the purchased housing.

The above is the amount of the first housing provident fund loan in Changshu. The loan amount of an existing home loan shall not exceed 80% of the house price stated in the house purchase and sale certificate or deed tax payment certificate, or 80% of the house price stated in the full payment receipt. The total house price is calculated according to the house purchase and sale certificate or deed tax payment certificate, indicating that the house price is low.