Legal subjectivity: The interest rate of Tianjin provident fund loans is 2.75% for personal housing provident fund loans with a term of more than five years, and 3.25% for personal housing provident fund loans with a term of less than five years (including five years). The processing time for provident fund loans is 2.75%. 9:00 am to 12:00 pm and 13:30 to 17:00 pm (excluding statutory holidays, please refer to the information published by each bank for the business hours of each loan undertaking bank). 1. How much is the interest rate for provident fund loans in Tianjin? The interest rate for personal housing provident fund loans with a term of more than five years is 2.75%, and the interest rate for personal housing provident fund loans with a term of less than five years (including five years) is 3.25%. 2. The processing time for Tianjin provident fund loans is 9:00 a.m. on working days - 12:00 pm 13:30-17:00 (except statutory holidays, the business hours of each loan undertaking bank refer to the information published by each bank) 3. Tianjin Provident Fund loan application conditions (1) Have full civil capacity, have a stable occupation and Income, the ability to repay the principal and interest of the loan, and good credit; (2) The legal retirement age has not been reached (if the state has other provisions that can be extended, the provisions shall be followed, but the maximum age should be less than 65 years old); (3) Housing transaction behavior True, legal, and valid; (4) The housing provident fund account has been opened for more than 1 year, and the housing provident fund has been paid and deposited monthly for 1 year continuously before applying for a housing provident fund loan, and the unit where the unit works has no default in payment; (5) No housing responsibilities are owed Provident fund loan debt; (6) The down payment has been paid in accordance with regulations; (7) Agree to provide guarantee in accordance with regulations. 4. Tianjin provident fund loan application materials 1. People's Republic of China resident identity card 2. People's Republic of China marriage certificate 3. Down payment invoice 4. House purchase contract 5. Tianjin provident fund loan application is based on the "Housing Provident Fund Management" Article 26 of the Regulations: Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center. Article 27: Applicants applying for housing provident fund loans must provide guarantees. Loans through provident funds need to provide guarantees. There are certain risks in any form of loans. Lending institutions need to reduce risks, so they need to provide collateral. Objective law: According to the "Regulations on the Administration of Housing Provident Fund", employees can withdraw the balance in their housing provident fund account if they have one of the following circumstances: 1. Those who purchase, build, renovate or overhaul their own houses; 2. Those who retire or retire; 3. Completely lost the ability to work and terminated the labor relationship with the unit; 4. Settled abroad; 5. Repaid the principal and interest of the self-occupied housing loan; 6. Rented a house to live in; (The employee himself and his spouse do not own a house in Beijing and rent a house. If you live in public rental housing or commercial housing, both spouses can withdraw housing provident funds to pay the rent) 7. Those who have difficulty living and are receiving urban minimum living allowance; 8. Those who encounter emergencies that cause serious difficulties in family life; 9. , migrant workers who have terminated their labor relations with their units; 10. Those who have been sentenced to death, life imprisonment, or fixed-term imprisonment while serving and have reached the national statutory retirement age upon expiration of their sentences; 11. Those who died or were declared dead; employees who meet the requirements of Article 1 of these Measures If the housing provident fund is withdrawn in the four situations 1, 5, 6, 7, and 8, the spouse can withdraw the housing provident fund from his/her account at the same time.