Is there a handling fee for a provident fund loan? There is no handling fee for applying for a provident fund loan. The housing provident fund management center handles provident fund loan-related services for users for free. However, when applying for a property mortgage, the user may need to pay the real estate department and assessment agency in accordance with regulations.

Legal cost of production and related management fees collected.

The fees paid for handling personal housing provident fund loans mainly include evaluation fees, guarantee fees, loan service fees and related taxes. When handling housing provident fund mortgage registration, a handling fee of 2‰ can be charged to applicants for mortgages. Specific charging standards for other fees

As follows: Guarantee fee: The agency fee is calculated based on the loan amount and loan period: the standard fee is 300 yuan, please consult your loan processing institution for details.

Appraisal fee: The charging standard is 300 yuan. For second-hand houses before 1990 (including 1990), if the loan amount exceeds 30% of the total price of the house, and for second-hand houses after 1990, if the loan amount exceeds 50% of the total price of the house, an appraisal needs to be designated by the handling agency.

The company performs home appraisals.

In 2012, some cities relaxed the conditions for provident fund loans. Among them, in 9 counties in Linyi City, Shandong Province, starting from June 1, 2012, the upper limit of housing provident fund loans will be increased from 200,000 yuan to 300,000 yuan.

In October 2014, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, and the People's Bank of China issued a document, including relaxing the conditions for provident fund loans, promoting off-site loans, reducing intermediary fees, canceling housing provident fund personal housing loan insurance, notarization, new home evaluation and mandatory institutional guarantees

and other fee items to reduce the burden on loan employees.

Among them, employees who have paid for 6 consecutive months can apply for provident fund loans (currently 12 months).

On August 15, 2017, the Ministry of Housing and Urban-Rural Development and others jointly issued a notice stating that starting from September 1, 2015, the down payment of 20% of the down payment for the purchase of a second house with provident fund loans will be cancelled.

Provident fund loans are available for the second home.

According to the new policy (November 2014), housing provident fund loans are provided to employees who purchase their first self-occupied house or a second improved ordinary self-occupied house, and are not allowed to households of employees who purchase their third or more homes.

Issue housing provident fund personal housing loans.

In 2010, relevant departments issued documents requiring the implementation of a housing provident fund loan policy that supports first homes, restricts second homes, and strictly prohibits third homes.

The loan limit for first owner-occupied housing is expected to increase.

In addition, the three departments require that districted cities with a housing provident fund personal housing loan disbursement rate below 85% can appropriately increase the loan amount for the first owner-occupied house based on local commodity housing prices and per capita housing area.

Zhang Qiguang, director of the Housing Provident Fund Supervision Department of the Ministry of Housing and Urban-Rural Development, said that the amount of housing provident fund loans is an important factor affecting the mutual assistance role of the system.

Appropriately increasing the loan limit for the first owner-occupied house reflects the principle that the housing provident fund system supports basic housing consumption and full utilization of funds.

How to deduct personal income tax on housing provident fund loans? Legal analysis: Provident fund loans can be deducted from personal income tax, but they are limited to the interest expenses incurred by taxpayers on their first home loans. All taxpayers can only enjoy one interest deduction on their first home loans.

, it can be a provident fund loan or a commercial loan.

According to regulations, housing loan interest is deducted at a standard fixed amount of 1,000 yuan per month, and the deduction period cannot exceed 240 months.

If a taxpayer or his/her spouse uses a commercial bank or housing provident fund personal housing loan alone or together to purchase a house in China for himself or his/her spouse, the interest payment on the first housing loan incurred shall be paid on a monthly basis in the year in which the loan interest is actually incurred.

A standard fixed deduction of RMB 1,000 is available, with a maximum deduction period of no more than 240 months.

Taxpayers can only enjoy a one-time deduction for interest on their first home loan.

Legal basis: "Regulations on the Implementation of the Individual Income Tax Law of the People's Republic of China" Article 6 The scope of various personal incomes stipulated in the Individual Income Tax Law: (1) Wage and salary income refers to the income obtained by an individual due to his or her employment.

Wages, salaries, bonuses, year-end salary increases, labor dividends, allowances, subsidies and other income related to office or employment.

(2) Income from labor remuneration refers to the income obtained by individuals engaged in labor services, including design, decoration, installation, drawing, laboratory testing, medical treatment, law, accounting, consulting, lecturing, translation, review, calligraphy and painting, sculpture, film and television

, sound recordings, video recordings, performances, performances, advertising, exhibitions, technical services, introduction services, brokerage services, agency services and other services.

(3) Income from author remuneration refers to the income an individual obtains from the publication or publication of his or her works in the form of books, newspapers, periodicals, etc.

(4) Income from royalties refers to the income obtained by individuals from providing the right to use patent rights, trademark rights, copyrights, non-patented technologies and other franchises; income obtained from providing the right to use copyrights does not include income from royalties.