2. The sum of the applicant and the calculated loanable amount and the balance of the applicant's provident fund account is 14 times.

Note: The single loan applied by an individual does not exceed 500,000, and the single loan calculated by the applicant's participating bank does not exceed 900,000.

Provident fund loan interest rate

1, 3.25% for loans over 5 years.

2, the loan for less than 5 years (including 5 years) 2.75%

legal ground

Article 26 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund can apply for housing provident fund loans to the housing provident fund management center for the purchase, construction, renovation and overhaul of their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.