1. The maximum loan limit of Dalian Provident Fund is 700,000.

The amount of personal provident fund loans in the four districts of the city was raised from 400,000 to 450,000, and the amount of husband and wife loans was raised from 600,000 to 700,000. Personal provident fund loans in other regions are 330,000, and husband and wife loans are 580,000.

Second, the provident fund loan period and loan principle

Calculate the loanable amount of the borrower according to the following requirements, and take the lowest value.

1. Do not exceed the loan amount calculated by paying the provident fund.

The calculation formula is: pure provident fund loan amount = (total amount of housing provident fund paid by the borrower/ratio of housing provident fund paid by the borrower × repayment ability coefficient a total amount of housing provident fund paid by the borrower )×12× loan period.

2. It shall not exceed the difference between the maximum loan amount in the area where the purchased house is located and the accumulated loan amount of the borrower.

3. In Zhongshan District, Xigang District, Shahekou District, Ganjingzi District and High-tech Industrial Park, the maximum loan amount for single employees is 450,000 yuan, and the maximum loan amount for dual employees is 700,000 yuan.

4. Jinzhou New District, Bonded Zone and Lushunkou District have a maximum loan amount of 330,000 yuan for single employees and 580,000 yuan for dual employees;

5. Puwan New District, Changxing Island Economic Development Zone, Huayuankou Economic Zone, pulandian city, wafangdian city, zhuanghe city and Changhai counties have a maximum loan amount of 280,000 yuan for single employees and 470,000 yuan for dual employees.

Three. Provident fund loan interest rate:

Personal housing provident fund loan interest rate, the benchmark interest rate of the first suite, the loan for less than five years (including five years) is 4.2%; The interest rate for loans with a term of more than five years is 4.70%. The benchmark interest rate of the second suite rises 1. 1 times.

2.202 1 Dalian Jinzhou provident fund loan interest rate?

202 1 The latest interest rate of provident fund loans is 2.75% for five years and below, and 3.25% for more than five years.

The interest rate of provident fund loans is the benchmark interest rate announced by the People's Bank of China on 20 15 years124 October, which is adopted by all banks in China. At present, the benchmark interest rate (annual interest rate) of provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years. It usually takes more than one year to use it.

Is the interest rate of provident fund loans fixed or floating?

The interest rate of provident fund loans is fixed and does not float.

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

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4, the normal deposit of housing provident fund before borrowing and continuous deposit for more than half a year.

Three. The latest interest rate of provident fund loans is 202 1.

The latest interest rate of 20021year provident fund loan is 2.75% for five years or less, and 3.25% for five years or more. The benchmark interest rates published by the People's Bank of China on 20 15 and 10 are adopted by domestic banks. Moreover, when handling provident fund loans, it is generally necessary to deposit for more than one year before they can be used. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. However, if you want to apply for provident fund loans, you also need to meet some conditions. Moreover, it is worth noting that the relevant policies of provident fund loans vary from place to place. Therefore, if you want to apply for a provident fund loan, you still have to check the relevant policies of your place and you can apply only if you meet the conditions. For example, many cities have added conditions to the loan conditions of provident fund. For example, the loan applicant must pay the provident fund 12 months continuously and be able to pay off the interest loan. Compared with ordinary loans, provident fund loans have more measures to benefit the people. The interest rate of provident fund loans is relatively low, the one-time loan amount is relatively large, and the repayment period is relatively long. Therefore, it can greatly reduce the pressure on staff. So I think this policy is of great benefit to the on-the-job workers to take root and settle down. To a certain extent, if the conditions of provident fund loans can be relaxed, it is likely to have a positive guiding role in the introduction of local talents. Through provident fund loans, employees can buy suitable houses locally and take root in their own places, and local people can better retain talents through this policy, which has a great positive impact on the development of a place. Therefore, this policy can be said to be a mutually beneficial policy for on-the-job employees and local development, so that both sides have better development space. Moreover, I believe that the national policy in this regard will be relaxed, which also means that the pressure on employees to buy a house will gradually become lighter, and the housing needs of employees may be better met in the future.

4.202 1 Dalian Jinzhou provident fund loan interest rate?

202 1 The latest interest rate of provident fund loans is 2.75% for five years and below, and 3.25% for more than five years.

The interest rate of provident fund loans is the benchmark interest rate announced by the People's Bank of China on 20 15 years124 October, which is adopted by all banks in China. At present, the benchmark interest rate (annual interest rate) of provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years. It usually takes more than one year to use it.

Is the interest rate of provident fund loans fixed or floating?

The interest rate of provident fund loans is fixed and does not float.

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

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4, the normal deposit of housing provident fund before borrowing and continuous deposit for more than half a year.