How much provident fund loan can be applied to the first home?

The maximum amount of provident fund loan that can be borrowed:

1. To buy a house with a first-time loan, the payment must be no less than 20% of the price of the house purchased. % of the down payment, the amount shall not exceed 80% of the price of the house purchased; if the area exceeds 90 square meters, the down payment shall be no less than 30% of the price of the house purchased, and the amount shall not exceed 70% of the price of the house;

2. If you purchase a second house with a loan, you should pay a down payment of no less than 50% of the price of the house purchased, and the amount shall not be higher than 50% of the price of the house.

Legal Basis

Article 26 of the "Regulations on Housing Provident Fund"

Employees who have paid housing provident funds must not When purchasing housing, you can apply for a housing provident fund loan from the Housing Provident Fund Management Center.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.

The risks of housing provident fund loans are borne by the housing provident fund management center.

Warm reminder

The above answers are only based on the current information and my understanding of the law. Please refer to it with caution!

If you still have questions about this issue, it is recommended that you sort out the relevant information and communicate with professionals in detail.

The provident fund loan limit for an individual's first home home

The provident fund loan limit for an individual's first home home is generally three times the cumulative deposit base of the individual during the effective deposit period, with a maximum of no more than 360,000 yuan. If you are a cadre, you can apply according to the standards implemented by the former military; if you are a migrant worker, you can apply for 6.5 times the housing provident fund.

The maximum amount of provident fund first loan that can be borrowed

The maximum amount of provident fund first loan that can be borrowed

The maximum amount of provident fund first loan that can be borrowed, the housing loan is based on the bank loan interest rate The credit status of the loan is comprehensively evaluated. If the evaluation is good in all aspects, the mortgage interest rates implemented by different banks are different, and the maximum provident fund first loan can be borrowed.

The maximum provident fund first loan amount that can be borrowed is 1

The provident fund loan limit is calculated based on the monthly provident fund deposit amount and the account balance. The maximum loan amount shall not exceed 10 times the balance of the housing provident fund account, and shall not exceed the maximum loan amount corresponding to the monthly payment amount.

The maximum amount of the first housing provident fund loan is:

1. If the total monthly payment of both spouses is less than 1,600 yuan (inclusive), the maximum amount of the housing provident fund loan is 300,000 yuan. If one party’s monthly payment is less than 800 yuan (inclusive), the maximum housing provident fund loan amount is 200,000 yuan;

2. The total monthly payment and deposit of both spouses is more than 1,600 yuan and 2,800 yuan (inclusive) If the monthly payment amount of one party is more than 800 yuan and less than 1,400 yuan (inclusive), the maximum housing provident fund loan amount is 250,000 yuan;

3. If the total monthly payment and deposit of both spouses is more than 2,800 yuan, the maximum housing provident fund loan amount is 500,000 yuan. If the monthly payment and deposit of one party is more than 1,400 yuan, the maximum housing provident fund loan amount is 300,000 yuan.

The maximum amount of the second housing provident fund loan is:

1. If the total monthly payment of both spouses is less than 1,600 yuan (inclusive), the maximum amount of the housing provident fund loan is 200,000 yuan. , if one party’s monthly payment is less than 800 yuan (inclusive), the maximum housing provident fund loan amount is 150,000 yuan;

2. The total monthly payment and deposit of both spouses is more than 1,600 yuan, 2,800 yuan (inclusive) ) or less, the maximum housing provident fund loan limit is 300,000 yuan; if one party’s monthly payment is more than 800 yuan and less than 1,400 yuan (inclusive), the maximum housing provident fund loan limit is 200,000 yuan;

3 . If the total monthly payment and deposit of both spouses is more than 2,800 yuan, the maximum housing provident fund loan limit is 400,000 yuan. If the monthly payment and deposit of one party is more than 1,400 yuan, the maximum housing provident fund loan limit is 250,000 yuan.

The specific loan amount will also be determined based on the situation of the house purchased and the applicant's repayment ability.

The maximum provident fund first loan that can be borrowed is 2

As for the interest rate of housing provident fund loans for the first home, according to the latest announcement from the central bank, starting from October 24, financial institutions will RMB loan and deposit interest rates were further reduced by 0.25 percentage points.

Among them, the one-year loan benchmark interest rate was reduced by 0.25 percentage points to 4.35%; the one-year deposit interest rate was reduced by 0.25 percentage points to 1.5%; the personal housing provident fund loan interest rate remained unchanged. The last interest rate adjustment for personal housing provident fund loans was on August 26. The latest interest rate for provident fund loans for five years and below is 2.75%, and for more than five years, it is 3.25%.

What is the provident fund loan interest rate?

1. The current provident fund loan interest rate was adjusted and implemented on October 24, 2015. The provident fund loan interest rate for more than five years is 3.25%, and the monthly interest rate is 3.25 %/12. The interest rate for provident fund loans for five years or less is 2.75% per annum, which is the same across the country.

2. Commercial loans:

(1) The loan interest rate is related to the purpose of the loan, the nature of the loan, the loan term, the loan policy, different lending banks, etc. The state stipulates the benchmark interest rate, and each bank determines the differential loan interest rate based on various factors, that is, it floats up or down based on the basic interest rate. The current benchmark interest rate was adjusted and implemented on July 6, 2012. The types and annual interest rates are as follows: ① Short-term loans for six months (inclusive) 5.6%; ② Six months to one year (inclusive) 6%; ③ One to three years (inclusive) 6.15%; ④ three to five years (inclusive) 6.4%; ⑤ more than five years 6.55%.

(2) The bank loan interest rate is based on a comprehensive evaluation of the credit situation of the loan. The loan interest rate level is determined based on the credit situation, collateral, national policies (whether it is the first home), etc. If all aspects The evaluation is good, and the mortgage interest rates implemented by different banks are different. In 2011, due to financial constraints and other reasons, some banks implemented first-home loan interest rates at 1.1 times or 1.05 times the benchmark interest rate. Since 2012, most banks have adjusted first-time home interest rates to benchmark interest rates. In early April, banks began to implement preferential interest rates for first home loans. The maximum discount on interest rates of some banks can reach 15% off. The interest rate after a 15% discount for a period of more than five years is 6.55%0.85=5.5675%. It has been tightened since the third quarter and early 2013 due to tight capital supply and insufficient credit funds. The interest rate for a first-time home is generally between the base interest rate and 15% off.

The maximum provident fund first loan that can be borrowed is 3

Conditions for the first provident fund loan:

1. The current employees of the unit sign a labor contract of more than 3 years; (or Signing a one-year labor contract for three consecutive years)

2. Normal and continuous monthly payment of housing provident funds for a certain period of time; (mostly 12 months or 6 months, depending on the region)

3. The legal retirement age has not been exceeded;

4. The borrower has a stable economic income and the ability to repay principal and interest;

5. The borrower agrees to register a housing mortgage and insurance;

6. Provide a guarantee method agreed by the local housing fund management center and its affiliated sub-center;

What materials are needed for the first provident fund loan

First time in When applying for a housing provident fund loan, you need to prepare the following documents: Fill in the housing provident fund loan application approval form in triplicate at the management center.

1. Submit your personal household registration booklet, resident ID card, original and 3 copies of marriage certificate, etc. If you are single, you must provide the original and 3 copies of the single certificate and divorce certificate issued by the civil affairs department.

2. 3 original legal and valid house purchase contracts. Copies of the housing development unit's "Business License", "Commercial Housing Pre-sale License" (off-plan property), "Commercial Housing Sales License", "Completion Acceptance Certificate", and 3 copies of the large-scale housing certificate.

3. If a mortgage or pledge guarantee is involved, the original and 3 copies of the ownership certificate of the mortgage or pledge rights and 3 original written certificates of the consent of the person with the right to dispose of the mortgage (pledge) are required. .

This concludes the introduction to the provident fund’s first loan limit and the provident fund’s first loan limit. Did you find the information you need?