Housing provident fund loan period Housing provident fund loans refer to housing provident fund management centers in various places using the housing provident funds paid by employees and their units and entrusting commercial banks to issue them to current employees who have paid housing provident funds and retired employees who have paid housing provident funds during their employment.
Home mortgage loan.
The term of provident fund loans ranges from 1 to 30 years and cannot be longer than five years after the borrower's statutory retirement age.
Since the term of a housing provident fund loan is affected by many factors, the term of a housing provident fund loan can be determined based on the type of house, the age of the applicant, the type of loan, etc. It is specifically divided into the following categories: First, use a housing provident fund loan to purchase ordinary commercial housing.
, limited-price commercial housing, targeted sales (resettlement) of affordable housing, the general loan period shall not exceed 30 years; for the purchase of privately owned housing, the maximum loan period shall not exceed 20 years; purchase of public-owned existing housing property rights or construction, renovation, overhaul and self-owned
For housing, the maximum period shall not exceed 10 years.
Second, the housing provident fund loan period is not only related to the person buying the house, but also the age of the applicant.
Most places stipulate that the sum of the borrower's age and the loan term shall not exceed 5 years after the legal retirement age.
The statutory retirement age is generally calculated based on the age of 55 for women and 60 for men; if the state provides otherwise, the retirement age shall be in accordance with its regulations but shall not exceed the age of 65.
Third, the term of a housing provident fund loan is also closely related to the type of loan. If the applicant’s loan type is a combination loan model of “commercial bank loan housing provident fund loan”, then the loan terms of the two must be consistent, which means that the housing provident fund loan at this time
The term of a provident fund loan is generally no more than 20 years.
Legal basis: Article 26 of the "Housing Provident Fund Management Regulations" stipulates that employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes.
There are some other relevant regulations for calculating the specific number of years. The detailed regulations are as follows: 1. If the borrower purchases commercial housing or limited-price commercial housing, the loan period shall not exceed 30 years.
2. If the borrower purchases a privately owned house, the loan term cannot exceed 20 years.
3. If the lender purchases a second-hand house, the maximum loan term shall not exceed 15 years.
4. The borrower builds, renovates and overhauls his own housing, and the provident fund loan period shall not exceed 10 years.
Warm reminder: The above answers are only based on the current information and my understanding of the law. Please refer to it with caution!
If you still have questions about this issue, it is recommended that you sort out the relevant information and communicate with professionals in detail.
Provident fund loan term?
30 years.
Provident fund loans can be borrowed for up to 30 years.
Housing provident fund loans have certain requirements for the age of the loan applicant. The age of the loan applicant will determine the corresponding loan period.
According to the personal provident fund loan policy, the maximum term of a personal provident fund loan cannot exceed 30 years, and there are certain differences between men and women.
30 years.
Provident fund loans can be borrowed for up to 30 years.
Housing provident fund loans have certain requirements for the age of the loan applicant. The age of the loan applicant will determine the corresponding loan period.
According to the personal provident fund loan policy, the maximum term of a personal provident fund loan cannot exceed 30 years, and there are certain differences between men and women.
30 years.
Provident fund loans can be borrowed for up to 30 years.
Housing provident fund loans have certain requirements for the age of the loan applicant. The age of the loan applicant will determine the corresponding loan period.
According to the personal provident fund loan policy, the maximum term of a personal provident fund loan cannot exceed 30 years, and there are certain differences between men and women.
How many years can a provident fund loan be loaned for? The maximum loan period for a provident fund loan is 30 years.
The maximum loan period is calculated until the borrower is 70 years old and shall not exceed 30 years. The loan period for purchasing a second-hand house must also be at least 3 years shorter than the remaining useful life of the house and land.
An employee's monthly contribution base is his or her average monthly salary in the previous year.
Employee wages consist of time wages, piece wages, funds, allowances and subsidies, overtime wages and special wages.
The maximum monthly payment base shall not exceed 5 times the average monthly income of employees in the previous year announced by the county statistics bureau.
If it does not exceed 5 times, the actual salary will be used as the monthly payment base.
According to Article 25 of the "Housing Provident Fund Management Regulations", if an employee withdraws the balance in the housing provident fund account, the employer shall verify it and issue a withdrawal certificate.
Employees should apply to the Housing Provident Fund Management Center to withdraw housing provident funds with the withdrawal certificate.
The Housing Provident Fund Management Center shall make a decision on whether to approve the withdrawal or not to allow the withdrawal within 3 days from the date of accepting the application, and notify the applicant; if the withdrawal is approved, the entrusted bank shall handle the payment procedures.