It is understood that the upper limit of Hefei provident fund loan has been adjusted once since February 2065438 18+ 1, and the upper limits of both husband and wife loans and unilateral loans have increased by 654.38+million yuan, with a large adjustment range.
However, according to the latest news, Hefei housing provident fund will soon be able to pay the rent, with the proviso that it can only be withdrawn through renting public rental housing. In addition, Hefei Housing Provident Fund Management Center will open a short message platform to timely feedback the loan business, and the provident fund loan process will be reminded by short message in time, without running back and forth or asking by phone. Moreover, Changfeng, Feixi and Feidong counties can now withdraw their provident fund as long as they go to the county provident fund management department, without going to Hefei. Next, Lujiang and Chaohu will also be networked.
1. The maximum loan limit of Hefei Provident Fund is 450,000.
The maximum loan amount is 450,000 yuan if both the borrower and the spouse have paid the housing provident fund in full for more than one year; If the borrower unilaterally pays the housing provident fund according to the regulations, the maximum loan amount is 350,000 yuan. The specific amount should also follow the principle of "paying for loans". The calculation formula of the actual loanable amount is: the sum of the monthly wages of the husband and wife who have paid the housing provident fund × 12 × the actual loanable period × 0.5, and the maximum loan application coefficient does not exceed 450,000.
Second, the provident fund loan period
Maximum term: 20 years, and the sum of the actual loanable years and the lender's age shall not exceed 30 years, and the sum of the actual loanable years and the lender's age shall not exceed 5 years after the statutory retirement age, and the loan must be applied before retirement.
Third, the interest rate of provident fund loans.
According to the regulations of the People's Bank of China, the current effective interest rate is 4.00% for loans with a term of less than five years (inclusive) and 4.50% for loans with a term of more than five years. If the loan term is within 1 year (including 1 year), the principal and interest shall be repaid in one lump sum; If the loan term exceeds 1 year, two repayment methods are adopted: equal principal and interest or equal principal repayment.
For residents who have participated in the housing provident fund deposit, loans to buy a house and low-interest loans for housing provident fund should be the first choice. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half.
Housing provident fund management center can issue provident fund loans. The upper limit of Hefei provident fund loan is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. However, it should be noted that this business can be handled by the bank's real estate credit department. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.