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.

What is the longest loan period of provident fund?

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. Generally, it takes about 1 ~ 2 months to apply for provident fund loans. If the materials submitted by the loan applicant are complete, the bank will complete the examination and approval within 15 working days, and then apply for the housing provident fund loan at the provident fund center. After being accepted by the provident fund center, it will be approved within 10 working days, and then go back to the bank to go through a series of related procedures such as signing a contract and mortgage registration before lending.

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

According to Article 30 of the Regulations on the Management of Housing Provident Fund, the management fees of the housing provident fund management center shall be compiled by the housing provident fund management center in accordance with the prescribed standards, submitted to the financial department of the people's government at the same level for approval, and turned over to the finance at the same level from the value-added income of the housing provident fund, which shall be allocated by the finance at the same level. The management fee standard of the housing provident fund management center shall be formulated by the construction administrative departments of the people's governments of provinces, autonomous regions and municipalities directly under the Central Government in conjunction with the financial departments at the same level in accordance with the charging standards of institutions slightly higher than those stipulated by the state.

How many years can I borrow the provident fund loan?

Generally speaking, the term of provident fund loans shall not exceed the period from the date of issuance of housing provident fund loans to the statutory retirement age, and the longest period shall not exceed 30 years.

Provisions on the term of provident fund loans:

1. For housing provident fund loans issued with newly-built houses purchased as collateral, the loan period generally does not exceed the period from the date when the borrower issues housing provident fund loans to the statutory retirement age, and the longest period is not more than 30 years;

2. The term of entrusted loans issued with the borrower's second house property or third-party house property as collateral shall not exceed the remaining service life of the mortgaged house property, and the longest term shall not exceed 65,438+05 years;

3. In case of pledge with certificate-based treasury bonds or bank deposit certificates, the longest loan period shall not exceed the maturity date of certificate-based treasury bonds or bank deposit certificates. If multiple certificate-based government bonds or bank time deposit certificates with different maturities are used as collateral, the loan term shall be determined based on the one closest to the maturity date;

4, to ensure the issuance of housing provident fund loans, the loan period shall generally not exceed 5 years;

5, from the statutory retirement age of less than 5 years (including 5 years), the housing provident fund loan period can be appropriately extended, the extension period shall not exceed 5 years.