Workers who pay housing provident fund enjoy housing provident fund loans. According to national regulations, all employees who pay housing provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. So what is the down payment ratio of provident fund loans to buy a house? The general house price is directly proportional to the geographical location of the house, the quality of the building, the greening and environment of the community, the strength of the developer, the management of the property and the quality of the community service. The borrower should decide to buy a house that suits him according to his personal situation, income, expenditure and other actual conditions. The purchase price of provident fund loan refers to the price of the house sales contract signed by the buyer and the seller after verification by the real estate management department. This ratio refers to the proportion of the purchase price paid by the buyer to the seller in advance to the total house price. The down payment for buying a house is needed by the family, and the part beyond the preparation ability can apply for a loan to complete the delivery. Under normal circumstances, deducting the down payment from the house price is equal to the loan amount. If the down payment ratio is higher, the threshold of housing loan will be higher. At present, the down payment ratio of provident fund loans in our city is 30% for existing houses and mortgaged commercial houses, and 40% for second-hand houses. The proportion shows that, taking the loan of 15 as an example, the interest rate of down payment of 20% and 6. 12% is 23,572.43 yuan more than that of 5.5 1%; When the down payment is 30%, the increase is 20625.87 yuan, that is, when the down payment is determined, the increase brought by interest rate is inversely proportional to the down payment. The higher the down payment ratio of provident fund loans to buy a house, the smaller the interest increase after the interest rate is raised. Therefore, buyers may wish to consider increasing the down payment ratio and reducing costs. Moreover, if the down payment is increased, it can also reduce the monthly payment burden for buyers: assuming the interest rate is 5.5 1%, the down payment of 30% will reduce the purchase expenditure by 73,585 yuan compared with the down payment of 20%, and the monthly repayment amount will be reduced by 408.5438+0 yuan; The interest rate is 6. 12%. The down payment of 30% is 7653 1.84 yuan less than the down payment of 20%, and the monthly repayment is 425. 17 yuan less. Tips for housing provident fund loans 1. Housing provident fund loans to buy a house down payment description: provident fund can not be directly used as a down payment for buying a house. Citizens need to pay the down payment first, and then go to the housing provident fund management center to withdraw the storage balance in their own provident fund. 2. The loan amount of housing provident fund is calculated according to the balance of housing provident fund account: the calculation formula is: (balance of housing provident fund account+monthly contribution of provident fund ×××× legal retirement months )× 3. The loan amount of housing provident fund loan is calculated according to the loan amount: if one person applies for housing provident fund loan, the loan amount is 500,000 yuan; If two or more people buy the same house and apply for a housing provident fund loan, the loan amount is 800,000 yuan. 4. The total withdrawal of housing provident fund cannot exceed the total purchase price. For example, a house bought by a citizen with a loan costs 200,000 yuan, and only 200,000 yuan can be withdrawn from the provident fund. 5. After the housing provident fund loan is settled, you can use the provident fund to buy a house. Whether before marriage or after marriage, one of the husband and wife has applied for provident fund loans, which will be recorded in the system. If the provident fund loan for the first suite has been settled, it is still regarded as the first time for both husband and wife to buy a house with the provident fund loan. Now you should know something about the down payment for the purchase of commercial housing. The loan is guaranteed by the corresponding national system, and the lender can reduce the psychological risk of the loan on the basis of reducing the burden of life. Let the lender rest assured that the loan is comfortable.

Legal objectivity:

"Regulations on the Administration of Housing Provident Fund" Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council. Seventh the State Council municipal construction administrative departments in conjunction with the the State Council municipal finance department, the people's Bank of China to develop housing provident fund policy, and supervise the implementation. The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas.