How much can I borrow from the provident fund for the first home

The maximum amount of provident fund loans:

1. When I buy a house for the first time, I will pay a down payment of not less than 2% of the purchased house price, and the amount is not higher than 8% of the purchased house price; If the area exceeds 9 square meters, a down payment of not less than 3% of the purchased housing price shall be paid, and the amount shall not be higher than 7% of the housing price;

2. If you purchase a second house with a loan, you should pay a down payment of not less than 5% of the house price, and the amount should not be higher than 5% of the house price.

Legal basis

Article 26 of the Regulations on Housing Provident Fund

Employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

the housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on granting or not granting the loan, and notify the applicant; If the 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.

Tips

The above answers are only made for the current information combined with my understanding of the law. Please refer to them carefully!

if you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

personal first-home provident fund loan amount

Generally, the personal first-home provident fund loan amount is three times the accumulated deposit base of the individual during the effective deposit period, and the maximum amount is not more than 36, yuan. If it is a cadre, it can be handled according to the standards implemented by the original army; If you are a migrant worker, you can apply for 6.5 times the housing provident fund.

what is the maximum loan amount of the first provident fund loan?

what is the maximum loan amount of the first provident fund loan?

The mortgage interest rate is based on the credit status of the loan. If all aspects are evaluated well and the mortgage interest rates implemented by different banks are different, what is the maximum loan amount of the first provident fund loan?

what is the maximum amount of the first loan of the provident fund? 1

The loan amount of the provident fund is comprehensively calculated according to the monthly deposit amount of the provident fund and the account balance. The maximum loan amount shall not exceed 1 times of the deposit balance of the housing provident fund account, and shall not exceed the maximum loan amount corresponding to the monthly deposit amount.

The maximum amount of the first housing provident fund loan is:

1. If the total monthly contributions of both husband and wife are below 1,6 yuan (inclusive), the maximum amount of the housing provident fund loan is 3, yuan, and if the monthly contributions of one party are below 8 yuan (inclusive), the maximum amount of the housing provident fund loan is 2, yuan;

2. If the total monthly contributions of both husband and wife are more than 1,6 yuan and less than 2,8 yuan (inclusive), the maximum loan amount of housing provident fund is 4, yuan; if the monthly contributions of one party are more than 8 yuan and less than 1,4 yuan, the maximum loan amount of housing provident fund is 25, yuan;

3. If the monthly contributions of both spouses are more than 2,8 yuan, the maximum amount of housing provident fund loans is 5, yuan, and if the monthly contributions of one spouse are more than 1,4 yuan, the maximum amount of housing provident fund loans is 3, yuan.

The maximum amount of the second housing provident fund loan is:

1. If the total monthly contributions of the husband and wife are below 1,6 yuan (inclusive), the maximum amount of the housing provident fund loan is 2, yuan, and if the monthly contributions of one party are below 8 yuan (inclusive), the maximum amount of the housing provident fund loan is 15, yuan;

2. If the total monthly contributions of both husband and wife are more than 1,6 yuan and less than 2,8 yuan (inclusive), the maximum loan amount of housing provident fund is 3, yuan; if the monthly contributions of one party are more than 8 yuan and less than 1,4 yuan, the maximum loan amount of housing provident fund is 2, yuan;

3. If the total monthly contributions of both spouses are more than 2,8 yuan, the maximum amount of housing provident fund loans is 4, yuan, and if the monthly contributions of one spouse are more than 1,4 yuan, the maximum amount of housing provident fund loans is 25, yuan.

the specific loan amount depends on the purchased house and the repayment ability of the applicant.

what is the maximum amount of the first loan of the provident fund? 2

On the question of what is the interest rate of the first-home housing provident fund loan, according to the latest announcement of the central bank, the interest rates of RMB loans and deposits of financial institutions will be further lowered by .25 percentage points from October 24th.

Among them, the benchmark interest rate for one-year loans was lowered by .25 percentage point to 4.35%; The one-year deposit rate was lowered by .25 percentage points to 1.5%; The interest rate of individual housing provident fund loans remains unchanged. The interest rate of individual housing provident fund loan was last adjusted on August 26th. The latest interest rate of provident fund loans is 2.75% for five years or less and 3.25% for more than five years.

what is the interest rate of provident fund loans

1. The current interest rate of provident fund loans was adjusted and implemented on October 24, 215. The interest rate of provident fund loans for more than five years is 3.25%, and the monthly interest rate is 3.25%/12. The interest rate of provident fund loans for five years and below is 2.75% per year, which is the same in the whole country.

2. Commercial loans:

(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different loan banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis. The current benchmark interest rate was adjusted and implemented on July 6, 212. The types and annual interest rates are as follows: ① Short-term loans are 5.6% for six months (inclusive); ② 6% from six months to one year (inclusive); ③ One to three years (inclusive) 6.15%; ④ Three to five years (inclusive) 6.4%; ⑤ More than five years, 6.55%.

(2) Mortgage is a bank loan interest rate, which is comprehensively evaluated according to the credit status of the loan. The loan interest rate level is determined according to the credit status, collateral, national policy (whether it is the first home), etc. If all aspects are well evaluated, the mortgage interest rates implemented by different banks are different. In 211, due to the shortage of funds and other reasons, the loan interest rate for the first home of some banks was 1.1 times or 1.5 times the benchmark interest rate. Since 212, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The maximum interest rate discount of some banks can reach 15%. The interest rate after 15% discount for more than five years is 6.55%.85=5.5675%, which has been tightened since the third quarter and the beginning of 213 due to the shortage of funds and insufficient credit funds. The interest rate of the first suite is generally between the benchmark interest rate and 15% discount.

What is the maximum amount of the first provident fund loan? 3

Conditions for the first provident fund loan:

1. The employees in the unit have signed labor contracts for more than 3 years; (or sign a one-year labor contract for three consecutive years)

2. Pay the housing provident fund monthly for a certain period of time or more; (mostly 12 months or 6 months, depending on the region)

3. Not exceeding the statutory retirement age;

4. The borrower has a stable economic income and the ability to repay the principal and interest;

5. The borrower agrees to handle the housing mortgage registration and insurance;

6. Provide the guarantee method agreed by the local housing fund management center and its sub-centers;

What materials do you need to use the provident fund loan for the first time?

When you apply for the housing provident fund loan for the first time, you need to prepare these materials: fill out the application form for housing provident fund loan in the management center in triplicate.

1. issue your personal household registration book, resident identity card, original marriage certificate and 3 copies, etc. Singles need to provide the original and 3 copies of the single certificate and divorce certificate issued by the civil affairs department.

2. 3 originals of legal and valid house purchase contract. 3 copies of the Business License, Pre-sale Permit of Commercial Housing (faster), Sales Permit of Commercial Housing, Completion Acceptance Certificate and Big House Certificate of the housing development unit.

3. In case of mortgage or pledge guarantee, it is required to provide the original and three copies of the ownership certificate of the mortgaged property or pledge right, and three originals of the written proof that the person with the disposition right agrees to mortgage (pledge).

This concludes the introduction of the first loan quota and the first loan ceiling of the provident fund. Did you find the information you need?