The longest provident fund loan is 30 years. The longest loan period shall be calculated until the borrower is 70 years old, and the longest loan period shall not exceed 30 years. The loan period for purchasing second-hand houses also needs to be less than the remaining service life of the houses and land for more than 3 years.
The monthly deposit base of employees is the average monthly salary of the previous year. The wages of employees are composed of hourly wages, piece-rate wages, funds, allowances, overtime wages and special wages. The maximum monthly deposit base shall not exceed 5 times the average monthly income of employees in the previous year announced by the county statistics bureau. No more than 5 times, with the actual salary as the monthly deposit base.
According to Article 25 of the Regulations on the Management of Housing Provident Fund, if an employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Provident fund loan period?
Thirty years.
Provident fund loans can be loaned for up to 30 years. Housing provident fund loans have certain provisions on the age of loan applicants, and the age of loan applicants will determine the corresponding loan life. According to the policy of personal provident fund loan, the term of personal provident fund loan can not exceed 30 years at most, which is different between men and women.
Thirty years.
Provident fund loans can be loaned for up to 30 years. Housing provident fund loans have certain provisions on the age of loan applicants, and the age of loan applicants will determine the corresponding loan life. According to the policy of personal provident fund loan, the term of personal provident fund loan can not exceed 30 years at most, which is different between men and women.
Thirty years.
Provident fund loans can be loaned for up to 30 years. Housing provident fund loans have certain provisions on the age of loan applicants, and the age of loan applicants will determine the corresponding loan life. According to the policy of personal provident fund loan, the term of personal provident fund loan can not exceed 30 years at most, which is different between men and women.
What is the longest loan period of provident fund?
How to determine the loan period of provident fund?
1, the whole year, the shortest 1 year, the longest 30 years;
2. Male employees can be counted as 65 years old and female employees as 60 years old, that is, male employees are 50 years old, and the longest loan period is 15 years;
3. The term of the remaining land use right of the house shall not exceed 70 years. If there are only 20 years left in the house at the time of loan, the loan period is up to 20 years;
4. If the lender buys a second-hand house, in principle, the term of the house loan is generally not more than 20 years.
Note that due to different local policies, the loan term may be slightly different, which is subject to the local housing provident fund management center.
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Provident fund loan conditions
1. The time for timely and full payment of housing provident fund and the time for setting up individual housing provident fund accounts are within the prescribed time limit. The general borrower must set up an individual housing provident fund account for 90 days, counting forward from the date of applying for provident fund loans, and pay the housing provident fund on time, in full and continuously for more than 3 months.
2. I or my spouse, parents and children purchase, build, renovate or overhaul urban self-occupied ordinary housing within the jurisdiction of this Municipality, and the purchase and construction occur within one year.
3. Have a stable income, good credit and the ability to repay the principal and interest of the loan.
4, with the purchase, construction, renovation, overhaul of self-occupied ordinary housing related procedures, documents and the provisions of the self financing ratio.
5. Provide assets recognized by the management center as security.
6. Meet other conditions stipulated by laws, regulations and rules.
Employees applying for loans should meet the standards of personal credit review. If the personal credit information (such as the personal credit report of the People's Bank of China) of the applicant (and his spouse, the owner of * *, * * and the person who promised to repay the loan) is in any of the following circumstances, the loan will not be granted:
1. Current loan.
2. Credit card is valid.
3. The accumulated overdraft of quasi-credit card exceeds 180 days (including card fee and annual fee).
4. The credit card has a record of unpaid amount exceeding 6 periods in the past 12 months (including card fee and annual fee).
5. A single loan has been recorded for more than 6 consecutive times (including repayment by the guarantor) or accumulated for more than 10 times (including repayment by the guarantor) in the last 24 months.
6. A single loan has accumulated more than 24 records.
7. The loan has the repayment record of the guarantor.
8. There are records of loan extension (extension) or debt repayment with assets in the past 24 months.
9. Have a bad credit record.
10, there is a record of fraudulent loans.
1 1, other bad loan records or bad credit records.
Term of provident fund loan
The longest loan period of the provident fund is 30 years, which is subject to the age of the husband and wife, and the age plus loan period cannot exceed 70 years, which is also related to the age of the building. The building age plus loan period of brick-concrete structure cannot exceed 47 years, and the building age plus loan period of steel-concrete structure cannot exceed 57 years.
According to the classification, the maximum amount of provident fund loans is 800,000 yuan for Grade A, 920,000 yuan for Grade AA, and 0/0.04 million yuan for Grade AAA.
The specific loan amount is:
First, it must not exceed the individual repayment ability, that is, the sum of the borrower's monthly deposit/the borrower's spouse's provident fund deposit/the borrower's spouse's provident fund deposit ratio ×50%× 12 (month )× the loan period;
Second, the purchase of the first set of ordinary self-occupied housing shall not exceed 70% of the purchased housing price (if the construction area of Xing Tao is below 90 square meters (inclusive), it shall not exceed 80% of the purchased housing price);
Third, borrowers (including spouses) should have the ability to repay the principal and interest of loans, and the average monthly income should not be lower than the minimum living standard for urban and rural residents in this city.
Duration of provident fund loan: The longest term of housing provident fund loan is 30 years. In principle, the sum of the borrower's age and the number of years of applying for loans shall not exceed 5 years after his statutory retirement age, that is, male employees can borrow until 65 years old and female employees can borrow until 60 years old.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.