The maximum term of a housing provident fund loan is 30 years, which is determined based on four conditions: loan repayment ability, house price ratio, housing provident fund account balance and maximum loan limit. The minimum value calculated from the four conditions is the maximum loan amount that the borrower can borrow.

At the same time, relevant regulations require: 1. The loan amount shall not exceed the individual's repayment ability, that is: the borrower's monthly deposit amount/the borrower's provident fund deposit ratio + the borrower's spouse's monthly provident fund deposit amount/the borrower's spouse's provident fund deposit ratio.

AND

80% of the housing price).

3. The borrower (including spouse) must have the ability to have an average monthly income not less than the minimum living allowance for urban and rural residents in this city after repaying the principal and interest of the loan.

Housing provident fund loan period: 1. The maximum housing provident fund loan period is 30 years.

2. In principle, the sum of the borrower’s age and the loan application period shall not exceed 5 years after the legal retirement age, that is, male employees can borrow until the age of 65, and female employees can borrow until the age of 60.

Types of housing provident funds: Individual housing provident fund loans: These are preferential loans that the housing provident fund management center uses housing provident funds and entrusts commercial banks to issue to housing provident fund depositors who purchase, build, renovate, overhaul self-occupied housing, or raise funds to jointly build houses.

Personal housing provident fund portfolio loan: refers to when the housing provident fund loan amount is insufficient to pay for the house purchase, the borrower applies for a housing provident fund loan and at the same time obtains a commercial personal housing loan from the trustee bank, and the two parts of the loan together constitute a portfolio loan.

The housing provident fund loan in the portfolio loan shall be approved by the management center, and the commercial loan shall be approved by the trustee bank.

The real estate developer signs a "Commercial Housing Mortgage Cooperation Agreement" with the management center and the trustee bank. The real estate developer provides a periodic guarantee for the borrower and deposits a deposit at a certain ratio of the total loan amount. After the property ownership certificate is completed and the mortgage registration is completed,

The guarantee liability is ended and converted into a mortgage guarantee for the purchased house.

The borrower submits a loan application to the management center. After approval, the trustee bank signs a loan contract with the borrower and goes through the payment procedures.

Personal Housing Provident Fund Replacement Portfolio Loans: The bank first uses bank funds to issue commercial housing loans to borrowers (employees who have paid housing provident funds), and then the trustee bank applies to the management center for provident fund loans on behalf of the borrower.

The borrower's provident fund loan limit is controlled within its basic provident fund loan limit and does not exceed 70% of the commercial housing loan amount, and its basic provident fund loan term is more than one year shorter than the commercial housing loan term.

First, if you use a housing provident fund loan to purchase ordinary commercial housing, limited-price commercial housing, or targeted sales (resettlement) affordable housing, the general loan period shall not exceed 30 years; if you purchase a private property housing, the maximum loan period shall not exceed 20 years; if you purchase a public-owned property, the loan period shall not exceed 20 years.

For residential property rights or the construction, renovation or overhaul of self-owned housing, the maximum period shall not exceed 10 years.

Second, the housing provident fund loan term is not only related to the person buying the house, but also the age of the applicant.

Most places stipulate that the sum of the borrower's age and the loan term shall not exceed 5 years after the legal retirement age.

The statutory retirement age is generally calculated based on the age of 55 for women and 60 for men; if the state provides otherwise, the retirement age shall be in accordance with its regulations but shall not exceed the age of 65.

Third, the term of a housing provident fund loan is closely related to the type of loan. If the applicant's loan type is a combined loan model of "commercial bank loan + housing provident fund loan", then the loan terms of the two must be consistent. That is to say, at this time

The term of a housing provident fund loan generally does not exceed 20 years. Legal basis: Article 26 of the "Regulations on the Administration of Housing Provident Fund". Employees who have deposited housing provident funds may apply to the housing provident fund management department when purchasing, constructing, renovating, or overhauling their own homes.

Center to apply for a housing provident fund loan.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.

The risks of housing provident fund loans are borne by the housing provident fund management center.