1. How long can Guangxi's provident fund loan last
Provident fund loan period
Conditions of provident fund loan:
Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and they have not participated in housing provident fund loans;
individual housing loans to participate in the housing provident fund must also meet the requirements to deposit the housing provident fund for at least six months. Because the behavior is abnormal, it is intermittent, indicating that its income is prone to risks;
when one spouse applies for a housing provident fund loan, both spouses can't get the housing provident fund loan until the principal and interest of the loan are paid off. The housing provident fund loan is a kind of "housing security" finance.
When applying for a housing provident fund loan, the loan applicant has no outstanding debts that may affect the housing provident fund. When employees have other debts, the principle of giving housing provident fund loans is very risky;
public accumulation year. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.
Second, how long can the Guangxi Provident Fund loan last
Hello.
I really can't figure out how much I can borrow.
because it depends on how many years you have left to work.
for example, if you retire in 15 years, you can only borrow for 15 years.
then there are different algorithms for the money you can borrow.
7% can be used for provident fund loans.
don't look at the balance.
You can borrow up to 8, yuan
Supplement:
The first-hand housing provident fund loan is up to 8%, and it is not limited by the housing area, and the loan period is not longer than 3 years
The second-hand housing provident fund loan is up to 7%, and it is not limited by the housing area. The longest loan period is no more than 2 years
calculation of the loanable amount of provident fund loans (taking Guangzhou as an example)
loanable amount applied by customers = (current monthly deposit amount of the current balance of provident fund account ×2× total number of months from current to legal retirement age) ×2
the maximum personal amount is 5, yuan/8, yuan for more than two people
house price× 7%/8%
.
the maximum loan amount is 4, yuan, and the maximum loan amount is 6, yuan if the husband and wife combine the housing provident fund payment.
iv. years of direct provident fund loans in Guangxi
legal analysis: the maximum loan period of direct housing provident fund loans in Guangxi is that the statutory retirement age of the borrower is extended by 5 years minus the existing age, and the longest loan period is not more than 3 years, and the male cannot exceed 65 years and the female cannot exceed 6 years.
legal basis: article 24 of the regulations of the people's Republic of China on the administration of housing provident fund, employees may withdraw the balance stored in their housing provident fund accounts under any of the following circumstances:
(1) purchasing, building, renovating or overhauling their own houses;
(2) retired;
(3) completely losing the ability to work and terminating the labor relationship with the unit;
(4) leaving the country to settle down;
(5) repaying the principal and interest of the house purchase loan;
(6) 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, if the employee housing provident fund is withdrawn, the employee housing shall be cancelled at the same time.