Public Credit of Bohai Bank is a provident fund credit product under Bohai Bank. You can pay it back in 65,438+02 months at the longest, and you can pay it back as you borrow it. The interest is as low as 300,000 yuan per 10,000 yuan per day. Borrowers in 9 yuan can apply for a maximum credit line of 300,000 yuan, requiring that there are no consumer loans from other banks in the provident fund system, and the total credit of consumer loans of the provident fund should not exceed 500,000 yuan.

1. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development. On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.

2. The housing accumulation fund paid by enterprises and institutions does not belong to the nature of total wages, but belongs to the cost of enterprises. According to the Notice of State Taxation Administration of The People's Republic of China on Deduction of Wages, Salaries and Employee Welfare Expenses (Guo Shui Han [2009]No.), the "total wages and salaries" mentioned in Articles 40, 41 and 42 of the Regulations for the Implementation of the Enterprise Income Tax Law of People's Republic of China (PRC) refers to the total wages and salaries actually paid by enterprises according to Article 1 of Document No.3 of Guo Shui Han [2009]. It does not include social insurance premiums and housing accumulation funds such as employee welfare fees, employee education fees, trade union funds, pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance, etc.

3. The amount of provident fund loans is regulated according to levels, with the maximum loan of 800,000 for Grade A, 920,000 for Grade AA and 0/0.04 million for Grade AAA. The longest loan period of the provident fund is 30 years, which is subject to the age of the husband and wife, and the age plus loan period cannot exceed 70, which is also related to the age of the building. The building age plus loan period of brick-concrete structure cannot exceed 47, and the building age plus loan period of steel-concrete structure cannot exceed 57. The specific loan amount is: First, it does not exceed the individual repayment ability, that is, the sum of the borrower's monthly deposit/borrower's reserve deposit ratio+borrower's spouse's reserve deposit ratio ×50%× 12 (month )× loan period.