After paying the housing provident fund, you can apply for a provident fund loan, and then you can use the balance of the provident fund account to repay the loan. The interest rate of housing provident fund is 2.75% for less than five years and 3.25% for more than five years.

Housing provident fund loans refer to loans issued by the housing provident fund management center to housing provident fund depositors who purchase, build or overhaul their own houses and retired employees who pay housing provident fund during their working life.

Applicants for housing provident fund loans must meet one of the following three conditions: 1. Applicants for loans to purchase policy-oriented housing approved by government departments should, in principle, set up a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full for 6 months before applying for a loan, and they are in the state of payment when applying for a loan. 2. Borrowing applicants who purchase non-policy housing should, in principle, continuously deposit the housing provident fund 12 months in full before applying for a loan, and be in the state of deposit when applying for a loan. 3. The loan applicant is a retired employee who has paid the housing provident fund during his employment.

Loan interest rate:

Second, I have bought a house and applied for a loan. Can I still use the provident fund loan?

I bought a house first and mortgaged it every month. Later, with the housing provident fund, conditions can be used to repay the loan. Application conditions:

1, with full capacity for civil conduct;

2. Have a legal and valid identity certificate;

3. Have stable income, good credit and the ability to repay the principal and interest of the loan;

4. Workers' families (including both husband and wife and unmarried children with the same household registration) have continuously paid housing provident fund for half a year;

5. Personal housing mortgage loans of commercial banks have been handled and need to be converted into housing provident fund loans;

6, other conditions stipulated by the city housing provident fund management center. Housing provident fund to mortgage loan means that consumers originally used commercial loans to buy houses and converted them into housing provident fund loans. It is understood that the application for personal housing provident fund to mortgage loan must comply with the relevant provisions of the Measures for the Implementation of Housing Provident Fund Loan Management, and the loan amount must not be higher than the balance of personal housing loans of commercial banks (take 1000 yuan or more as an integer). The loan amount is 1. Not more than 80% of the total purchase price of self-occupied housing; 2. Not exceeding 80% of the assessed value of the collateral; 3. It shall not exceed the sum of the borrower's family housing provident fund deposit base ×40%× 12× loan period; 4. It shall not exceed the sum of the monthly salary of the loan applicant ×40%× 12× loan period; 5. The purchase of owner-occupied housing by different family members shall not exceed 80% of the amount paid by the notarized loan applicant; 6 shall not exceed the amount of personal housing mortgage loan paid off by the borrower in advance; 7. Do not exceed the maximum loan amount of 800,000 yuan determined by the Housing Provident Fund Management Committee. City Housing Provident Fund Management Center comprehensively determines the final loan amount according to the loan applicant's application amount, credit status and the above factors. The loan term is 1. The longest loan period shall not exceed 30 years; 2. The sum of the age of the applicant and his/her spouse or * * * applicant and the loan application period shall not exceed 5 years after his/her statutory retirement age in principle, and the loan period shall be calculated as the shorter one; 3. The loan term shall not exceed the remaining legal service life of the house.

Third, can the provident fund be loaned?

Can provident fund loans. Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for more than a certain period of time can apply for provident fund loans when the funds for purchasing, building, renovating and overhauling their own houses are insufficient. Generally speaking, most of them are loans from CCB. The conditions of provident fund loans are as follows: 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

4. Can housing provident fund loans be used for self-built houses in rural areas?

In some areas, it is possible: whether housing provident fund loans can be used for rural self-built houses (collective land nature) is stipulated by all localities without consulting the local housing provident fund management department in advance, subject to the other party's reply. For the convenience of explanation, Shixing County (Guangdong Province) is taken as an example for reference (content source /LetterView.a=599): 1. (Rural housing loans, conditions for employees (borrowers) to apply for provident fund loans: employees who have paid the housing provident fund in full and on time for six months should submit the following materials: (1) ID card, marriage certificate and household registration certificate of the borrower and his spouse; (2) If the income of the borrower and his spouse proves that the house has been overhauled, the approval documents of relevant departments, land use right certificate, real estate license, dangerous house appraisal certificate, real estate appraisal certificate and other supporting documents shall be provided. 2. Materials to be provided for new construction or reconstruction of self-occupied housing: 1, providing land use certificate approved by the land department, certificate of approval of building by the planning and construction department, original and photocopy of real estate title certificate, invoice of reconstruction materials, original and photocopy of ID card of the extractor; Two copies of the list of changes in the payment of gold, and an application for refund of Shaoguan housing provident fund 1 copy.