Housing accumulation fund is an important affordable housing system, which plays an important role in the purchase of houses by employees. According to the regulations of Xinyu housing provident fund management, employees can apply for housing provident fund loans during the period of housing provident fund deposit, and the maximum loan amount is 60% of the balance of their provident fund accounts.
In addition to provident fund loans, what other ways can employees use to buy houses? In addition to housing provident fund loans, employees can also purchase houses through commercial bank loans and personal savings. Different ways of buying houses have different conditions and regulations, which need to be chosen according to the actual situation.
The specific loan amount needs to be comprehensively considered according to the employee's loan purpose, repayment ability and other factors, and at the same time, it needs to meet relevant conditions and regulations.
Legal basis:
"Xinyu City Housing Provident Fund Management Regulations" Article 23 During the period of housing provident fund deposit, employees can support housing-related needs such as purchase, construction and decoration through capital loans. The maximum loan amount is 60% of the balance of the provident fund account.