1. What is the loan amount of housing provident fund?

1, total house price. To apply for provident fund loans, applicants need to prepare at least 30% down payment, while some areas can only prepare 20% down payment. The lower the down payment, the higher the loan amount you need to apply for. Because the remaining 70% or 80% of the house price needs to apply for a provident fund loan.

2. Balance of provident fund account. The higher the balance of the personal provident fund account, the higher the amount of provident fund loans that can be applied for. Generally speaking, the personal provident fund loan amount is 20 times of the balance of 10- provident fund account.

3. Limitations of local provident fund policy. The maximum amount of provident fund is different in different regions.

At present, some second-tier cities use their own housing provident fund to apply for housing provident fund loans, with a maximum loan amount of 400,000 yuan. If the husband and wife combine housing provident fund loans, the maximum loan amount is 600,000 yuan. The maximum term of provident fund loans is 30 years.

Second, how to apply for provident fund loans

1. When applying for housing provident fund loan, the lender needs to submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information: the deposit certificate of housing provident fund of the applicant and spouse; Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;

2. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; Valid documents such as purchase contract and agreement; Collateral, pledge list, certificate of ownership, certificate of consent of the authorized disposition to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; Other information required by the provident fund center.

Term of provident fund loan

The loan period of provident fund is calculated according to the borrower's age, housing age and remaining land use period. The longest loan period shall not exceed 30 years, the sum of the borrower's age and the loan period shall not exceed 65 years, and the loan period shall not exceed the service life of the remaining land. In the modern society with high housing prices, many people have to rely on loans to realize their dream of buying a house. Many people with provident fund will choose provident fund loans first when they buy a house with loans. Generally speaking, the term of housing provident fund loans is 1 to 30 years. If you want to buy a second-hand house, the loan term is 1 to 10 years. _br_

Legal analysis: the loan period of provident fund is calculated according to the borrower's age, housing age and remaining land use years, with the longest not exceeding 30 years, the sum of the borrower's age and loan life not exceeding 65 years, and the loan maturity not exceeding the remaining land use years. In the modern society with high housing prices, many people have to rely on loans to realize their dream of buying a house. Many people with provident fund will choose provident fund loans first when they buy a house with loans. Generally speaking, the term of housing provident fund loans is 1 to 30 years. If you want to buy a second-hand house, the loan term is 1 to 10 years.

1. How many years can I buy a house with a housing provident fund loan? At present, the loan period of housing provident fund in China is 1-30 years. Theoretically, the loan period cannot be longer than the time when the lender reaches the statutory retirement age, but some local policies can extend it to five years after the statutory retirement age. The loan period of housing provident fund loans is also related to the use of primary and secondary houses. If you buy a new house, the longest loan period is 30 years, and the second-hand housing provident fund loan is generally up to 10 year, and in some places it can be relaxed to 15 year.

Second, the way to buy a house with provident fund loans First, the lender needs to submit a written application to the housing provident fund management center where it is located, fill in the application form for housing provident fund loans, and provide relevant information truthfully. Secondly, after the lender's qualification, guarantor's qualification, relevant loan amount and loan term are examined and approved, the lender can sign relevant contracts or agreements with the center, and at the same time, it must handle insurance according to the regulations of the People's Bank of China.

Third, the municipal housing provident fund management center issues a loan approval notice to the bank, and the relevant bank can handle the loan transfer formalities after receiving the loan notice. After the loan formalities are completed, the lender can inquire about the monthly loan amount and the total amount to be repaid, which can be said to be very convenient. Although the housing price is high, it is also a very good choice for those who have jobs and pay the housing provident fund. It is very easy to repay the loan with the provident fund every month. It is worth noting that the first condition for provident fund loans is that the provident fund must be continuously deposited for more than 6 months, and the longest loan period is 30 years.

Legal basis: Article 11 of the General Principles of Loans states that the loan term shall be determined by both the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.

What is the term and limit of provident fund loans? How to calculate the loan period of provident fund?

Provident fund loan is a common way to handle loans. When handling, everyone should pay attention to the specific processing period and amount. Before you apply for a loan, you can find out how much you can apply for, otherwise too many applications will not be approved. So what are the terms and limits of provident fund loans? How to calculate the loan period of provident fund?

Provident fund loan is a common way to handle loans. When handling, everyone should pay attention to the specific processing period and amount. Before you apply for a loan, you can find out how much you can apply for, otherwise too many applications will not be approved. So what are the terms and limits of provident fund loans? How to calculate the loan period of provident fund? Let's first understand the problem of provident fund loans.

What is the term and limit of provident fund loans?

The loan amount and term of housing provident fund are as follows:

1. To apply for a provident fund loan, the applicant must continuously deposit the provident fund for 12 months, and the deposit status of the provident fund is normal when applying for a provident fund loan (loans overdue for more than 1 month will not be accepted). The loan amount of commercial housing does not exceed 70% of the total house price, and the loan amount of second-hand housing does not exceed 60% of the deed tax unit price;

2. The formula for calculating the personal loan amount of provident fund: (the amount paid in the current month × the total number of months from now to the statutory retirement age) × 2;

3. Legal retirement age: female 55 years old; Male 60 years old. The longest loan period is 25 years;

4. This formula is applicable to the direct calculation of users who buy first-hand real estate. For second-hand real estate, considering the evaluation price, transaction price and deed tax price of the house, the specific loan amount can only be answered after the provident fund center reviews the information;

5. At present, the amount of housing provident fund varies from place to place, so it is necessary to consult the housing provident fund center where the house is purchased.

How to calculate the loan period of provident fund?

1. The general loan term is the shortest 1 year and the longest is 25 years. Specific to individuals, it is necessary to combine the borrower's age and the remaining years of collateral.

2. According to the age, the loan period is 70- the age of the applicant or the age of the applicant and his wife.

3. The loan term determined according to the remaining years of the collateral is: the service life of the building (50 years for brick-concrete and 60 years for steel-concrete) -3 years for the building. The shorter of these two years is determined as the longest loan term.

4. To apply for housing provident fund and individual housing portfolio loans from commercial banks, the longest life of the applicant is reduced from 70 years to 65 years, and the specific loan life is calculated according to the above formula.

5. For example, if you buy a second-hand house and apply for a provident fund loan from the management center, your age is 40, your lover is 45, and the remaining service life of the collateral is 27 years, then the loan life calculated by age is 25 years, and the loan life calculated by the remaining service life of the collateral is 24 years. Finally, your loan period is 24 years.

Before applying for provident fund loans, everyone should pay attention to the specific process. Provident fund loans need to meet certain conditions, and the amount of loans applied for is also strictly regulated. Too many applications will not only not be approved, but also affect your future loans. Before you apply for a loan, you should know this knowledge in detail.

1 10,000 provident fund loan? How to determine the loan term?

When buying a house with a loan, you can choose commercial loans or provident fund, but you can get a lower interest rate by using provident fund. So, how much can I borrow from the provident fund of 1 000? Have you noticed? Finally, I'd like to introduce the loan term to you.

10000 how much can I borrow from the provident fund?

The loan amount of provident fund is calculated according to the comprehensive qualification, and the account balance is only a part of the calculation of loan amount.

According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.

I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

How is the loan period of housing provident fund determined?

The loan period of housing provident fund loans is related to first-hand houses and second-hand houses and their uses. Apply for housing provident fund personal housing loan:

The first-hand house is no longer than 30 years;

The second-hand house shall not exceed 15 years at the longest;

Apply for personal loans for the construction, renovation and overhaul of self-occupied housing provident fund, and the longest period shall not exceed 15 years;

The term of the house purchase loan applying for the supplementary loan of housing accumulation fund for construction, renovation and overhaul is the same as that of the house purchase loan applied for.

In addition, the above years shall not exceed 5 years after the statutory retirement time of the borrower.

Provident fund loans are the most cost-effective in a few years.

Assuming that the loan is 6,543.8+0,000 yuan to buy a house, the total repayment after 654.38+065.438+0,800 yuan, and the total repayment after 30 years is 6,543.8+0.57 million yuan. Seeing this, some people will ask, isn't it more cost-effective to borrow 10 years? Obviously less than 390 thousand.

Let's take a look at the repayment situation in 10. If the loan is 65,438+00 years, the principal and interest must be paid off within 65,438+065,438+080,000 yuan; But if the loan lasts for 30 years, you only need to pay off the principal and interest of 530,000 yuan within 10 years.

In other words, during the period of 10, we temporarily underpaid 650,000. According to the interest of a treasure, every 1 ten thousand yuan is 1 yuan interest. After 20 years, 650,000 yuan can earn up to 460,000 yuan in interest, which can already offset the overpaid interest.

Let's think about inflation again. Suppose the inflation rate is 3%~8% every year, and it will be 390,000 in 30 years. The value is not as good as the current 1.6 million, and your earning power will definitely improve. This 30 years is still the best deal.

Let's stop here for the introduction of the amount and duration of provident fund loans.