2。 Provident fund loan interest rate 1-5 years 4.59%, 6-30 years 5.04%.
3。 The maximum provident fund loan was adjusted from 400,000 to 600,000 in July this year 1. The longest loan period is 30 years.
4。 The loan period of provident fund+the lender's age is not more than 70 years old.
5。 Provident fund loans are based on the lender's monthly unit deposit amount and deposit ratio. (Because the deposit amount and deposit ratio directly reflect the salary and repayment ability)
6。 Provident fund loans require an appraisal company designated by the provident fund to evaluate the house (according to the layout, area, floor, living environment, age and decoration of the house). ), the final loan is 60-80% of the evaluation price.
7。 After the provident fund loan, the unit provident fund manager can handle the withdrawal procedures in a unified way. Individuals cannot extract. First-hand housing extraction needs purchase contract, (down payment invoice, loan contract), second-hand housing extraction needs (property certificate, deed tax ticket), sales contract, loan contract. The above documents are subject to local policies.
8。 Provident funds can be withdrawn once a year and once every six months in a few areas. To withdraw housing provident fund, you must buy a house or decorate it before you can withdraw it. (House overhaul must be approved by the Construction Committee. Official invoice for details of decoration. The withdrawal amount cannot exceed the decoration amount)
9。 Provident fund loans have been divided into regions. Where did you buy the house? Apply for a loan at the housing provident fund management center in the area where the house belongs.
10。 The housing provident fund loan is a provident fund loan, not a bank's, and the bank is only entrusted with the loan and repayment by the provident fund. If in doubt, please consult the local housing provident fund management center.