1.20,000 can I borrow 400,000 from the balance of the provident fund?

Generally speaking, it is ok. When applying for a loan with my housing provident fund, the maximum loan can be 400,000, and the maximum limit for both husband and wife is 600,000. If the supplementary housing provident fund is paid normally, that is, the balance is greater than 12500 yuan and the monthly payment is greater than that of 780 yuan, then the maximum loan amount of my loan is 500,000 yuan, and that of both husband and wife is 700,000 yuan. However, the specific loan amount needs to be comprehensively considered according to my repayment ability, local policies and other factors.

Second, what are the benefits of buying a house with provident fund?

1, the loan interest rate is lower than the commercial loan interest rate.

At present, the benchmark interest rate for provident fund loans for five years or more is 3.25%, and the interest rate for commercial loans is 4.9%. With the same amount of loans, provident fund loans will save a lot of money than using commercial loans.

2. The amount of provident fund loans is high.

At present, if you use commercial loans, you can usually only borrow 70% at most, but if you use provident fund loans, the loan ratio can be increased to 80%. The down payment pressure will also be reduced accordingly.

3. There is no penalty for early withdrawal of provident fund.

For commercial loans, there is a penalty for prepayment. And provident fund loans, there is no such problem, provident fund loans, loans for one year, you can apply for early repayment, and there is no penalty interest.

3. What is the use of the housing provident fund?

1, used to buy a house.

If you want to borrow money to buy a house, you can apply for a provident fund loan. The low interest rate of provident fund loans can save a lot of loan interest for loan users. If you don't apply for a loan, you can withdraw the provident fund at one time to pay the down payment for the house; Users who have applied for commercial loans to purchase houses can withdraw the provident fund to repay the loan principal and interest on a monthly basis;

2, due to the construction, renovation or overhaul of the house.

When the depositor of the provident fund needs to build his own house or renovate or overhaul his own house, he can apply for a one-time withdrawal of the housing provident fund, because he built, renovated or overhauled his own house at his own expense;

3. for renting a house.

Some urban provident funds can also be used for renting houses. If the monthly rental expenditure exceeds a certain proportion of the family income of the depositor of the provident fund, then the provident fund can be withdrawn monthly to pay the housing rent;

4, used to treat major diseases.

If the family members of the provident fund payer are unfortunately suffering from serious diseases, they can apply for withdrawing the provident fund to pay medical expenses and reduce the family burden;

5. The payer of the provident fund retires; Retire; Those who go abroad to settle down may apply for a one-time withdrawal of the provident fund. For retirees, one-time withdrawal of provident fund is a considerable pension.

What is the maximum amount of provident fund loans and commercial loans?

Commercial loan interest rate item

Annual interest rate (%)

Loans within six months (including six months)

4.86

Loans from six months to one year (including 1 year)

5.3 1

Loans for one to three years (including three years)

5.40

The loan term is three to five years (including five years).

5.76

Loans for more than five years

5.94

Provident fund loan interest rate item

Annual interest rate (%)

Personal housing provident fund loans are less than five years (including five years)

3.33

Personal housing provident fund loans for more than five years.

3.87

General loans for more than 5 years, with a difference of 2.07%. Different regions are different, and the upper limit in Beijing is a single 400,000.

However, if the personal credit evaluation report evaluates the credit rating as AAA, the loan amount can be increased by 30%, that is, 520,000 yuan; AA-level loans can go up by 15%, that is, 460,000 yuan. Generally speaking, the use of public funds loans need to meet the following requirements:

1.

Whether the provident fund has been continuously deposited for 12 months, and is currently in the state of deposit;

2.

The maximum loan amount is 400,000 years; There is no age limit;

3.

80% of the maximum loan within the interior construction area of 90 square meters;

4.

70% tax on provident fund loans cannot be lower than the loan amount;

5.

Provident funds paid in other places cannot be used as loans in Beijing;

6.

If either husband or wife has made provident fund loans, they will not accept the second set of provident fund loans;

7.

You can't apply for a provident fund loan if there is a minor's name on the house book;

8.

Public accumulation fund loans do not accept notarial certificates.

Can I buy a house with commercial loans and provident fund loans?

If you handle personal loan business in China Bank, when the applied housing provident fund loan is insufficient to pay for the house purchase, you can apply for commercial housing loan from the bank for the insufficient part. And this kind of provident fund loan and commercial loan is a combination of personal housing loans.

The above contents are for your reference. Please refer to the actual business regulations.

Can I withdraw the provident fund from commercial loans? What is the maximum loan amount of provident fund?

As we all know, commercial loans and provident fund loans are two common ways to buy a house. For many people, provident fund loans are the first choice. However, the amount of provident fund loans is limited, so sometimes it needs to be handled together with commercial loans. Then, can commercial loans withdraw provident fund? What is the maximum loan amount of provident fund?

As we all know, commercial loans and provident fund loans are two common ways to buy a house. For many people, provident fund loans are the first choice. However, the amount of provident fund loans is limited, so sometimes it needs to be handled together with commercial loans. Then, can commercial loans withdraw provident fund? How much is the provident fund loan?

Can I withdraw the provident fund from commercial loans?

Commercial loans to buy a house can be withdrawn from the provident fund, and employees can apply for withdrawal at the local provident fund management center, which meets the conditions for withdrawal of the provident fund.

1, original and photocopy of the house purchase contract or house purchase agreement;

2. The original and photocopy of the purchase invoice;

3. The original and photocopy of the employee ID card shall be used to extract the provident fund;

4. Withdraw the employee's own bank savings account from the provident fund; In addition to the above information, the employee spouse's provident fund withdrawal should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the main buyer's provident fund withdrawal record.

How much is the provident fund loan?

1. The loan amount of housing provident fund is generally determined by the applicant's (and his spouse's) housing provident fund deposit amount, deposit ratio, deposit time, purchase amount, loan period and repayment ability. The actual loanable amount is subject to the amount finally approved by the management office. Most cities have stipulated a single housing provident fund loan amount, which generally does not exceed 80% of the total housing price.

2. At present, if Beijing purchases the first set of self-occupied housing, the loan amount of housing provident fund is 6,543,800 yuan+0.2 million yuan; Buy a second self-occupied house with a loan of 800,000 yuan. The personal loan amount of Shanghai Housing Provident Fund is 600,000 yuan, and the family loan amount is 6.5438+0.2 million yuan.

3. The personal loan amount of Guangzhou Housing Provident Fund is 600,000 yuan, and the family loan amount is 654.38+00,000 yuan. Shenzhen housing provident fund has a personal loan amount of 500,000 yuan and a family loan amount of 900,000 yuan.

4. Some cities will take the construction area as one of the evaluation criteria for the amount of provident fund loans. For example, Wuhan stipulates that when purchasing the first house, if the construction area of the house purchased is below 144 square meters (inclusive), the loan ratio shall not exceed 80% of the total house price; If the construction area is above 144 square meters, the loan ratio shall not exceed 70% of the total price of the purchased house.

The above article is my knowledge about whether commercial loans can withdraw provident fund and the amount of provident fund loans. I hope it will help you. In fact, provident fund loans and commercial loans are just two different loan models. Provident fund loans are popular because of low interest rates, but the amount of approval is limited.

What is the maximum amount of provident fund loans? What is the longest loan term? How to repay?

Under different circumstances, the term of the provident fund loan is as follows:

1, yishoufang

① The longest term of provident fund loans for purchasing affordable housing, commercial housing and fund-raising cooperative housing is 30 years;

② The longest term of provident fund loans for self-occupied housing construction, renovation and overhaul is 20 years;

③ At the same time, the above shall not exceed the statutory retirement age of the borrower, and shall be postponed for 5 years.

2. second-hand houses

① The longest term of the second-hand housing provident fund loan is 20 years, and the longest term shall not exceed half of the remaining service life on the benchmark date of housing appraisal;

② No more than 5 years from the statutory retirement age of the borrower;

(3) If the above term exceeds any term, the shortest term shall be the loan term.

3, commercial loans into provident fund loans.

(1) The longest loan period for transferring a first-hand house into a provident fund is 30 years;

(2) The longest loan period for transferring second-hand houses to provident fund is 20 years, which is calculated by halving the remaining service life of the house;

(3) The term of the loan transferred to provident fund shall not exceed 5 years after the statutory retirement age of the borrower;

(4) The term of the loan transferred to the provident fund shall not exceed the remaining life of the original commercial loan.

4. If the financial history of the specific loan is comprehensively evaluated according to your actual situation, the repayment method shall be subject to the provisions of the actual loan bank.

Tip: Different cities may have different regulations. Please refer to the regulations of the local housing provident fund center for details.

Reply time: 202 1- 10-08. Please refer to the latest business changes announced by Ping An Bank in official website.

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What is the maximum loan for the first loan of provident fund?

What is the maximum loan for the first loan of provident fund?

What is the maximum amount of the first loan of the provident fund? The interest rate of mortgage is a bank loan, which is comprehensively evaluated according to 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 amount of the first loan of the provident fund?

What is the maximum loan for the first loan of 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 10 times of the deposit balance in 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 husband and wife are below 1600 yuan (inclusive), the maximum amount of housing provident fund loan is 300,000 yuan, and if the monthly contributions of one party are below 800 yuan (inclusive), the maximum amount of housing provident fund loan is 200,000 yuan;

2. If the total monthly contributions of husband and wife exceed 1.600 yuan and are less than 2,800 yuan (inclusive), the maximum loan amount of housing provident fund is 400,000 yuan; If the monthly deposit of one party exceeds 1400 yuan (inclusive), the maximum loan amount of housing provident fund is 250,000 yuan;

3. If the total monthly deposit amount of husband and wife exceeds 2,800 yuan, the maximum amount of housing provident fund loan is 500,000 yuan; if the monthly deposit amount of one party exceeds 1400 yuan, the maximum amount of housing provident fund loan is 300,000 yuan.

The maximum amount of two housing provident fund loans is:

1. If the total monthly contributions of husband and wife are below 1600 yuan (inclusive), the maximum amount of housing provident fund loan is 200,000 yuan; If the monthly deposit of one party is below 800 yuan (inclusive), the maximum amount of housing provident fund loan is150,000 yuan;

2. If the total monthly contributions of husband and wife exceed 1.600 yuan and are less than 2,800 yuan (inclusive), the maximum loan amount of housing provident fund is 300,000 yuan; If the monthly deposit of one party exceeds 1400 yuan (inclusive), the maximum loan amount of housing provident fund is 200,000 yuan;

3. If the total monthly deposit of husband and wife exceeds 2,800 yuan, the maximum amount of housing provident fund loan is 400,000 yuan, and if the monthly deposit of one party exceeds 1400 yuan, the maximum amount of housing provident fund loan is 250,000 yuan.

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

What is the maximum loan for the first loan of provident fund? 2

Regarding 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 have been further lowered by 0.25 percentage points since June 24, 65438/kloc-0.

Among them, the benchmark interest rate for one-year loans was lowered by 0.25 percentage points to 4.35%; The one-year deposit rate was lowered by 0.25 percentage point to1.5%; 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 for provident fund loans?

1.20 15 years1October 24th to adjust and implement the current provident fund loan interest rate. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the interest rate of provident fund loans for less than five years 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 lending 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, 20 12. Types and annual interest rates are as follows: ① short-term loans for 6 months (inclusive) 5.6%; ② 6% for half a year 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 comprehensive evaluation of the bank loan interest rate according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is1.6438.00000000000006. Since 20 12, most banks have adjusted the interest rate of the first home to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount over five years is 6.55%0.85=5.5675%. Due to the shortage of funds and insufficient credit funds, it has been tightened since the third quarter and the beginning of 20 13. The interest rate of the first suite is generally between the benchmark interest rate and the 15% discount.

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

Conditions for the first provident fund loan:

1. The employees of this unit have signed labor contracts for more than 3 years; (or sign 1 year labor contract for three consecutive years)

2, normal continuous monthly housing provident fund deposit for a certain period of time; (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 mortgage registration and insurance;

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

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

To apply for 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. Show personal residence booklet, resident ID card, original marriage certificate and 3 copies, etc. Singles need to provide the original and photocopy 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 of the housing development unit, the pre-sale permit of commercial housing (forward delivery), the sales permit of commercial housing, the certificate of completion acceptance and the certificate of big house.

3. In case of mortgage or pledge guarantee, three originals and photocopies of the ownership certificate of the mortgaged property or pledge right and three originals of the written certificate of consent of the disposition holder to mortgage (pledge) shall be provided.