1. Provident fund loan amount: The maximum loan amount is 80% of the total house price according to the factors such as the month when the applicant paid the provident fund and the income level of employees;

2. Interest rate of provident fund loan: According to relevant national regulations, the interest rate of provident fund loan is 65,438+00% higher than the benchmark interest rate;

3. Repayment period: the longest repayment period of provident fund loans is 30 years, and the specific repayment period depends on the loan amount and the age of the applicant;

4. Application conditions: the applicant must be an employee who pays the provident fund locally and must meet the relevant conditions and standards of the local provident fund loan.

The purchase process of provident fund loan is as follows:

1. preparation conditions: before considering applying for provident fund loan to buy a house, you need to confirm whether your payment time, payment amount and house location meet local policy requirements;

2. House purchase and house selection: after confirming that the conditions for purchasing houses with provident fund loans are met, it is necessary to purchase houses and choose houses, and sign a house purchase contract with real estate developers or second-hand house sellers;

3. Submit loan application: After signing the house purchase contract, you need to submit a loan application to the loan bank or real estate company, and submit relevant application materials, such as ID card, house purchase contract and income certificate.

4. Bank review: banks or real estate companies review loan applications, conduct repayment ability assessment and mortgage assessment, and determine loan quotas and interest rates;

5. Signing a loan contract: after approval, the bank or real estate company will issue a loan contract to the applicant, and both parties shall sign and pay the relevant handling fee and collateral evaluation fee;

6. Handling the mortgage formalities: after signing the loan contract, you need to go to the local real estate management department to handle the mortgage formalities to ensure that the real estate is used as loan collateral;

7. Lending: After signing the loan contract and handling the mortgage formalities, the bank or real estate company will lend the loan to the account of the real estate seller and use the loan to purchase the house.

To sum up, the process of buying a house with provident fund loans may be different due to different regions and policies. The specific process needs to consult the local housing provident fund management center, banks or relevant departments to ensure the correctness and effectiveness of the process. In addition, when applying for provident fund loans to buy a house, you need to carefully understand the relevant regulations and requirements to avoid illegal acts and losses.

Legal basis:

Article 26 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund.

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling 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. Twenty-seventh applicants for housing provident fund loans shall provide guarantees.