Due to policy reasons, the loan amount of housing provident fund does not exceed 400,000 yuan. At present, the interest rate of provident fund loans is 2.75% for five years and 3.25% for six to thirty years (fluctuating according to the interest rate regulations of the People's Bank of China); The interest rate of the second set of housing provident fund personal housing loan shall not be lower than 1. 1 times the interest rate of the first set of housing provident fund personal housing loan in the same period.

20 17 Luoyang provident fund and commercial loan portfolio loans, which effectively complement the provident fund loans and commercial loans and solve the problem to the greatest extent. Those who don't have enough provident fund are beneficial to people's livelihood. In addition, many banks and companies have also launched provident fund credit, and the interest rate is about 3% or 5%, which is similar to mortgage. If the down payment for house purchase is not enough, you can consider emergency treatment without affecting the provident fund mortgage.