30-year provident fund loan conditions:

1. Have legal and valid identity documents;

2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;

6. For the construction, renovation and overhaul of houses, the upfront cost of 30% of the total construction, renovation and overhaul of houses can be paid.

; 7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;

8 overhaul housing, approved by the planning and management department;

9. Being able to provide effective guarantee recognized by the management center;

10. Other conditions stipulated by relevant laws, regulations and policies.

2. What is the longest term of Chengdu provident fund loan?

30 years

Provident fund loan conditions:

1. Have legal and valid identity documents;

2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;

6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses;

7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;

8 overhaul housing, approved by the planning and management department;

9. Being able to provide effective guarantee recognized by the management center;

10. Other conditions stipulated by relevant laws, regulations and policies.

3. What is the longest repayment period of Chengdu Provident Fund credit loan?

The repayment period of provident fund credit loans is generally 1-5 years. You can check it in Lv Qing, the official account of WeChat, and Lv Qing will provide you with the best solution according to the current loan situation. Baidu can find relevant information.

Four, Chengdu provident fund loans up to 400 thousand, the longest 30 years?

According to the "Implementation Opinions of Chengdu Municipal People's Government on Further Improving Residents' Living Conditions and Promoting the Healthy Development of the Real Estate Market", recently, Chengdu Housing Provident Fund Management Center adjusted the loan amount and loan period of provident fund in our city, from 300,000 yuan to 400,000 yuan, and from 20 years to 30 years? The heavy blow of the provident fund center has undoubtedly injected a "shot in the arm" to solve the difficulty of buying a house and reduce the pressure of monthly payment. It is reported that such policy adjustments are applicable to five districts (including high-tech zones) and 14 districts (cities) and counties in Chengdu. Property buyers need to increase the quota, the development enterprise shall apply, and the provident fund center shall sign a supplementary agreement after examination. However, borrowers who have signed loan contracts before the promulgation of the Opinions will not be able to enjoy this policy. The loan ceiling is adjusted to 400,000 yuan. According to the Implementation Opinions of Chengdu Municipal People's Government on Further Improving Residents' Living Conditions and Promoting the Healthy Development of the Real Estate Market, Chengdu Provident Fund Management Center adjusted the amount of provident fund loans from the previous 300,000 yuan to 400,000 yuan. "Before this, we actually adjusted the upper limit of the loan amount of the provident fund." The relevant person in charge told the reporter that according to the relevant documents, the maximum amount of provident fund loans in our city was 250,000 yuan. After the earthquake, in order to promote the recovery and development of the real estate industry in our city, according to the Opinions of the General Office of Chengdu Municipal People's Government on Promoting the Recovery and Development of the Real Estate Industry and Supporting Residents to Live and Work in Peace and contentment, the maximum amount of provident fund loans was adjusted from 250,000 yuan to 300,000 yuan. "In order to enable more employees to solve the difficulty of housing purchase funds, this time we will adjust the upper limit of the loan amount from 300,000 yuan to 400,000 yuan. In this way, some employees only need to choose a provident fund loan to buy a house, which is enough to pay the house price, eliminating the trouble of' joint loan' between commercial loans and provident fund loans! " The relevant person in charge said. Reduce the monthly loan pressure to 30 years. "In the past, the longest period of using provident fund loans should not exceed 20 years, and now it has been extended to 30 years. For property buyers, this is undoubtedly a great benefit of' decompression'! " The relevant person in charge told the reporter that extending the maximum loan period can not only reduce the monthly repayment amount of the employees who purchase houses, but also increase the loan amount and reduce the purchase expenses. It is understood that this adjustment not only extends the longest life of provident fund loans, but also adjusts the age limit of borrowers, from the previous age limit of 60 years for men and 55 years for women to 65 years for men and 60 years for women. "This adjustment provides great flexibility for elderly buyers who want to improve their living conditions!" It is understood that this policy adjustment only applies to five districts (including high-tech zones) and 14 districts (cities) and counties in Chengdu. The relevant person in charge told the reporter that before the promulgation of the Opinions, all borrowers who signed loan contracts could not enjoy the above policies. The relevant person in charge explained that no matter whether the loan is officially approved or not, anyone who signs a loan contract cannot enjoy the preferential policies of increasing the loan amount and extending the loan term. At the same time, the provident fund borrower shall not apply for retirement withdrawal before the loan is settled. Can the provident fund loans currently being processed enjoy this policy adjustment? For such doubts, yesterday, the Chengdu Provident Fund Center explained that the Provident Fund Center will approve the loaned property, and only the approved property will issue provident fund loans. Therefore, for this part of the real estate that has been approved by Chengdu Provident Fund Management Center and is currently handling personal loan business, if buyers need to increase the quota, they must apply by the development enterprise and sign a supplementary agreement after being approved by Chengdu Housing Provident Fund Management Center. Conditions and amount of provident fund loans Yesterday, the relevant person in charge of Chengdu Housing Provident Fund Center once again explained the conditions of provident fund loans: the borrower has a permanent residence or an employee with a valid residence certificate within the administrative area of this Municipality; When applying for the provident fund loan, the housing provident fund has been normally paid 1 year or more, and the provident fund has not been withdrawn to pay the down payment for the house purchase, so there is no balance of the provident fund loan. Moreover, the lender needs to provide a contract or agreement for the purchase of housing, and the down payment amount is not less than 20% of the value of the purchased housing. The relevant person in charge told the reporter that it should also be noted that when handling the provident fund loan business, it is also necessary to provide proof of the lender's economic income and personal credit should be good. Finally, there must be assets recognized by Chengdu Provident Fund Center as collateral or pledge, or units with sufficient compensatory capacity as guarantors. The relevant person in charge told the reporter that although the maximum amount of provident fund loans was adjusted to 400,000 yuan, the loan amount was still determined in accordance with the previous regulations. The relevant person in charge explained that according to the new regulations, the loan amount cannot exceed 80% of the total value of the house purchased, and at the same time, it must meet the loan limit determined by the loan applicant and spouse's repayment ability. Among them, the loan limit shall be calculated according to the following formula: the sum of individual monthly contributions of the borrower and spouse's provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan period (longest loanable period). "If the payment ratio between husband and wife is inconsistent, the actual payment ratio can be determined according to the higher party." The relevant person in charge said.