Take the personal provident fund loan in Beijing as an example. The loan conditions are that the provident fund account has been established for more than 12 months, and the provident fund has been paid normally for more than 12 months. At present, it is in the state of payment:

1, the maximum single loan is 800,000 yuan (generally, the maximum actual loan is 760,000 yuan).

2. For loan applicants with AAA credit rating, the loan amount can be increased by 30%;

For AA borrowers and applicants, the loan amount can be increased by 15%.

The maximum amount is calculated according to your monthly income. The calculation formula is as follows:

(1) Calculate the monthly income of myself and * * * the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;

(2) Calculation of the maximum loanable amount: The maximum loanable amount is the amount left after deducting at least 400 yuan's living expenses from the family's monthly income, and then dividing it by the monthly repayment amount per 10,000 yuan of loan within the loan application period.

However, according to the current actual situation, the loan amount is basically impossible to rise, and it can only be calculated according to the maximum of 800,000. That is to say, if the market value of the house you want to buy is 3 million, and the down payment is 390,000, there is a gap of 2,654.38+10,000, of which 2 10 Wan Li 760,000 can use provident fund loans, and the rest should use commercial loans. Provident fund loans can be borrowed for 30 years, and commercial loans are generally 10 years. This method is called portfolio loan. However, the down payment of general portfolio loans will reach at least 40%.

In addition, if you buy commercial housing, you can only use commercial loans, not provident fund loans, that is, more than 60% down payment.

Second, the down payment ratio of Beijing provident fund loans

According to the website of Beijing Housing Provident Fund Management Center, from June 1 day, as long as borrowers who have no housing are shown in the ownership information inquiry system of the Municipal Housing Construction Committee, they can apply for provident fund loans in accordance with the first set of self-occupied housing loan policies, with a minimum down payment ratio of 20% and a maximum loan amount of 1.2 million yuan. For individuals who own 1 house and have settled the corresponding housing provident fund loans, when applying for provident fund loans when purchasing a second set of ordinary self-occupied houses, the second set of housing loan policy will be implemented, with a minimum down payment ratio of 30% and a maximum loan amount of 800,000 yuan. According to the previous policy, the interest rate of buyers who purchase a second house with provident fund loans will rise by 10%. 1. The process of replenishing the provident fund is: 1, which can be directly handled by bank outlets; 2, must be approved by the housing provident fund management agencies to repay the business; 3, the approval process, belongs to the bank outlets directly handle overdue business, managers should strictly follow the business operation process. If it is approved by the housing provident fund management institution, the functional department of the management institution shall be responsible for accepting it. The examination and approval procedures are as follows: the department manager makes a preliminary examination, the department head reviews it and reports it to the competent leader for approval. 2. Materials required to repay the provident fund: 1. Units fill in the housing provident fund payment book uniformly printed by the management center, hereinafter referred to as the payment book. 2. The unit shall fill in the "Housing Provident Fund Repayment List" uniformly printed by the management center, hereinafter referred to as the "Repayment List", in duplicate, stamped with the seal of the unit, one kept by the unit and one kept by the management department. 3. The reasons for overdue payment need to be explained separately, and a copy of the official seal of the unit should be filled in by way of overdue payment. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

3. What is the down payment ratio of provident fund loans for second-hand housing transactions with formal property rights in Beijing? What are the interest rates for 20-year and 30-year loans?

Provident fund 0 years and 30 years are the same! At present, the down payment ratio for more than five years is 4.8% per annum. According to your housing situation, the down payment is 20% below 90 square meters and 30% above 90 square meters. Increasing the down payment ratio is based on the evaluation value!

4. Is the down payment ratio of Beijing provident fund loan 20%?

1. Provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

2. The latest provident fund loan policy is to use provident fund for the first time. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20% of the total house price.

3. If the purchase area is over 90 square meters, the minimum down payment is 30%.