1。 Employees who do not pay housing provident fund do not have the obligation to pay housing provident fund, so they do not have the right to housing provident fund policy.

2. As a retiree, you can't borrow provident fund, and you don't even have a normal deposit account. The lender's bank will fully test the repayment ability of the applicant to determine the amount and term.

Solution: Ask the local civil affairs bureau and the Disabled Persons' Federation to help you find a way to coordinate with the bank and get a 30% discount on commercial loans, which is 4. 16-4.2% interest rate. The interest rate of housing provident fund for more than five years is not much higher, but you can also find someone with good relationship and strong economic strength to guarantee it. If you have children, let them mortgage with real estate license. Loan.

The following are the relevant regulations

Second, the loan object and conditions

1, with permanent residence in this city;

2, the normal deposit of housing provident fund for more than one year, and there is no record of stopping payment six months before applying for a loan;

3, a stable economic income, good credit, the ability to repay the loan principal and interest;

4, at least not less than 20% of the total purchase price of owner-occupied housing;

5 can provide collateral or guarantor that meets the requirements of the housing provident fund center.

Three. Loan amount and term

1, and the maximum loan amount is stipulated by the local authorities, which shall not exceed 70% of the total value of the house purchased or built;

2. The local regulations stipulate the longest loan period, and the borrower's current age plus loan period shall not exceed the statutory retirement age (male 60 years old, female 55 years old);

3. The loan interest rate is subject to the current interest rate of the People's Bank of China and changes with the adjustment of the national interest rate.

Fourth, the loan interest rate.

deadline

The annual interest rate of provident fund loans is 3.33% for five years and 3.87% for more than five years.