According to the policy of the Provident Fund Center, the down payment ratio of the first suite is 30%. The first suite uses a provident fund loan with a loan limit of 600,000 yuan, which is in line with 70% of the total purchase price (80% can be relaxed below 90 square meters); Personal mortgage personal housing provident fund, the loan amount usually does not exceed 50% of the total amount of housing purchased.

How to handle housing provident fund loans

1, apply for a loan. The borrower shall, in accordance with the relevant provisions of the local housing provident fund loan, apply to the provident fund center and handle the loan procedures for it.

2. Conduct a preliminary examination of the provident fund center. After receiving the loan applicant's application, the provident fund center will review the borrower's qualification, loan amount, loan term and loan information, and provide corresponding suggestions.

3. Credit investigation. After approval, the bank handling the provident fund loan will review the applicant's credit record. After the examination and approval, the bank issued the "Personal Housing Provident Fund Loan and Portfolio Loan Investigation and Approval Form" for the relevant departments to review. I would like to remind you that if you have a bad credit record in your credit record, you will face the risk of being refused a visa.

4. Sign a loan agreement. As long as the applicant passes the bank's examination, he will receive a loan contract. At this time, the borrower only needs to bring ID card, household registration book, bank account number and other related materials to the undertaking bank to handle the loan contract.

5. loans. The borrower has signed a loan contract. After the loan registration is completed and the loan contract comes into effect, the loan undertaking bank will transfer the loan to the account designated by the borrower and the borrower at the time stipulated in the contract, and issue a loan receipt to the borrower.