Generally speaking, there is no discount for buying a house with provident fund, and only a house with provident fund loan can get a discount. At present, the interest rate of provident fund loans is adjusted to May 2005 1 1 day. The interest rate of provident fund loans for more than five years is 3.75%, the monthly interest rate is 3.75%/ 12, and the annual interest rate of provident fund loans for five years and less is 3.25%, which is consistent throughout the country.
Using the provident fund loan, you can borrow 80% of the appraised value of the house you want to buy, (individual deposit amount/individual deposit ratio -400)/ repayment coefficient corresponding to every 10,000 yuan; The general loan amount of provident fund to buy a house is 800 thousand. If you want to make a credit rating, AAA can borrow 920,000 yuan, AAA10.04 million. At the same time, the above limits the large amount of provident fund loans. When there is little difference between the three, the loan amount shall prevail.