Now many young people will use housing provident fund loans when buying a house, because housing provident fund loans are very favorable, mainly because the down payment is relatively low, and the loan interest rate set by the bank in the later period is also more cost-effective. However, because some people use the housing provident fund loan for the first time 1 time, they don't know much about the time when the provident fund arrives, so Bian Xiao will explain the issues about the provident fund in detail today.

1. How soon will the housing provident fund arrive?

After the lender signs the loan contract with the bank, it only needs to wait about three working days, and the loan amount will be transferred to the developer's bank account. When applying for a loan, the lender may also directly ask the bank to transfer the loan amount to a personal bank account.

Two, there are several ways to calculate the amount of provident fund loans.

Can be divided into the following four ways:

1. Calculated according to the repayment ability of the lender. The calculation formula is to multiply the calculation result by the applicant's monthly salary plus the amount of provident fund paid by the unit every month, then subtract the monthly repayment amount, and finally multiply it by the month of loan.

2. According to the down payment amount and the total house value, the loan amount is deducted from the total house value.

3. Refund according to the maximum amount stipulated by the local provident fund.

4. Calculated according to the account balance. The calculation formula is to directly multiply the balance in the applicant's provident fund account by a factor of 20. At present, the coefficients are different in different regions.

3. Is there any hukou restriction for paying the housing provident fund?

There is no hukou restriction. Both rural residents and urban residents can pay the housing provident fund normally as long as they sign a formal labor contract with the employer.

4. How to apply for housing provident fund?

After the employee signs a formal labor contract with the employer, he can hand over the original and copy of his ID card to the person in charge of the personnel department of the company, and then the person in charge of the company will go to the local housing provident fund management center to handle the joint card for the employee. After the joint card is completed, the unit will help the employees pay the housing provident fund within 5 working days after the salary is paid.