The amount of the provident fund loan is 12 times of the balance of the applicant and the applicant's housing provident fund account, and it also meets the following requirements:
1. The monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are * * * applicants and * * * applicants who have paid the housing provident fund in this city, the deposit base of the housing provident fund is the sum of the deposit base of the applicant and himself.
2. Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall not be lower than the down payment ratio stipulated by the state. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.
3, not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city.
4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met.
5. When the loanable amount of provident fund loan is insufficient to pay the house purchase price, employees can apply to the entrusted bank for commercial housing loans, which will be distributed to employees in the form of combined provident fund loans (a combination of provident fund loans and commercial housing loans).
Only some outlets of Ping An Bank are open on weekends. You can click the link below to inquire about the business hours, address and telephone number of Ping An Bank nearby.
/branch/mkt/bank online/dist/online bankless . html #
Tips: The above explanations are for reference only. Mortgage needs to be evaluated according to your comprehensive qualifications. Whether you can apply for a loan depends on the final audit result of Ping An Bank loan.
Response time: 2021-11-19. Please refer to the latest business changes announced by Ping An Bank in official website.