It is unreasonable not to grant the provident fund loan contract. If the house you buy is a commercial house, you need to ask the developer for a loan contract; If you buy a second-hand house, you need to ask the loan bank for a loan contract. According to the contract period, it can be divided into fixed-term loan contracts, indefinite loan contracts, short-term loan contracts, medium-term loan contracts and long-term loan contracts. According to different industry objects, contracts can be divided into industrial loan contracts, commercial loan contracts and agricultural loan contracts. It is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

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Users who pay the provident fund use the provident fund to apply for housing provident fund loans. Employees who pay housing provident fund can apply for individual housing provident fund loans.

First of all, provident fund loans are only based on your salary and personal credit information. The balance in the provident fund is closely related to the loan amount. The provident fund center needs to see if you have the ability to repay. The loan must bear interest. Provident fund loans are much cheaper than commercial loans.

Secondly, the provident fund consumption loan has the lowest interest rate among credit loans. If there is no problem in other aspects, the general annualized interest rate is around 5%, and you can pay interest first. first

1: It depends on how long you have paid the provident fund (whether to stop paying or change companies). Generally speaking, you can apply for provident fund for more than 6 months in a row. Try local policies. I used to work in finance in Beijing. Take Guangzhou as an example, some banks can accept the provident fund for only three months. It will be better if the continuous time exceeds 1-2. The products with interest first and capital later are better than those with short deposit time.

2. Look at the deposit base: Some banks accept the minimum base, while others require the deposit base to exceed 500, 1000 and 1200. The higher the base, the higher the salary, and the wider the range of products that can be produced. The general product quota is about 20 times of the individual contribution base of the provident fund.

Third, some cities depend on the ratio of house price to down payment:

Provident fund loan amount ≤ house appraisal price-down payment

For example: Liu Xiaobai bought a house of 1 10,000 yuan (the evaluation price) in the third-tier city XX, with a down payment of 30%, that is, 300,000 yuan;

Then the amount of provident fund loan that Liu Xiaobai can get is = 1 10,000-300,000 = 700,000; Liu Xiaobai can use provident fund loans for all his mortgages.

Fourth, some cities are based on personal income level and monthly deposits (such as Beijing):

1, the loanable amount of provident fund = (monthly household income-basic living standard)/monthly repayment amount per 10,000 yuan loan during the loan application period;

2, monthly income = individual housing provident fund monthly deposit amount ÷ housing provident fund deposit ratio;

3. The current basic living standard is 65438 yuan +0.323 yuan per month. For example, Zhang Jiating, who works in Beijing, earns 20,000 yuan a month, and the monthly repayment amount per 10,000 yuan of loans during the loan application period is 56.72, that is, 0.005672. Then the loanable amount of Zhang Provident Fund = (20000-1323)/0.005672 = 3,292,800.