Credit cards will not affect provident fund loans. As long as the credit card is repaid on time every month, and if the loan is overdue, it will not affect provident fund loans. However, lenders should also be careful not to apply for too many credit cards.

Provident fund loans refer to loans enjoyed by employees who have paid housing provident funds. According to national regulations, all employees who have paid provident fund deposits can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.

Employees who have paid housing provident funds for a certain period of time or more in accordance with regulations (the period is different in each city, such as Changsha is more than 12 months) can apply if they have insufficient funds to purchase, build, renovate, or overhaul their own houses. Provident Fund Loans.

Loan introduction

Provident fund loans refer to personal housing provident loans. They are local housing provident fund management centers. They use the housing provident funds paid by employees who apply for provident fund loans to entrust commercial banks to purchase funds. , housing provident fund depositors who build, renovate, and overhaul their own homes and retired employees who have paid housing provident funds during their employment.

Employees who have paid housing provident funds for a certain period of time or more in accordance with regulations (the period is different in each city, such as Changsha is more than 12 months) can apply if they have insufficient funds to purchase, build, renovate, or overhaul their own houses. Provident Fund Loans.

The conditions for the loan are: the unit’s current employees sign a labor contract for more than 3 years (or sign a 1-year labor contract for 3 consecutive years); pay the housing provident fund normally and continuously on a monthly basis for more than a certain period; do not exceed the legal limit Retirement age; the borrower has stable economic income and the ability to repay principal and interest; the borrower agrees to handle housing mortgage registration and insurance;

Provide a guarantee method agreed by the local housing fund management center and its affiliated sub-center; submit at the same time Relevant documents required by the bank, such as house purchase contract or house pre-sale contract, house property ownership certificate, land use certificate, proof of provident fund deposit, etc.

Loan amount

Provident fund loan interest rate (3) Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan. ; The maximum amount of housing provident fund loans in Guangzhou is 500,000 yuan for an individual, and the maximum amount for two or more applicants is 800,000 yuan.

Secondly, the maximum housing provident fund loan amount shall not exceed 70% of the total house payment;

To apply for a provident fund loan, the monthly repayment/monthly income shall not exceed 50% (including: monthly repayment Including the sum of existing liabilities and monthly repayments of current liabilities). The housing provident fund loan period is 1 to 30 years, and shall not be longer than the borrower's legal retirement age. For employees approaching retirement age, the loan period can be appropriately relaxed by 1 to 3 years based on their loan repayment ability.