Legal analysis: there is no preference for housing provident fund itself, but the interest rate of housing provident fund loans is lower than that of commercial loans. In addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans. The interest rate of provident fund loans is set by the People's Bank of China, which is different from the benchmark interest rate of commercial bank loans. The interest rate of provident fund loans is lower than that of commercial loans, and the monthly interest rate within 5 years (including 5 years) is 2.75%; For more than 5 years, the annual interest rate is 3.25%. The state stipulates that the amount of provident fund loans shall not exceed twice the amount of housing provident fund paid by borrowers within their retirement age.

Legal basis: Article 482 of the Civil Code of People's Republic of China (PRC). If the offer is sent by letter or telegram, the acceptance period shall be counted from the date specified in the letter or the date when the telegram is sent. If the letter is not dated, it shall be counted from the postmark date of the letter. If the offer is made by telephone, fax or e-mail, the acceptance period is counted from the time when the offer reaches the offeree.

How much cheaper can housing provident fund buy a house?

At present, most people choose the loan payment method to buy a house, and the most affordable one is the housing provident fund loan. Because the interest rate of the housing provident fund loan is relatively low, some friends have to ask, how much can the housing provident fund buy a house cheaper? What is the process of buying a house with provident fund? Keep reading if you want to know!

1. How much cheaper can housing provident fund buy a house?

There is no discount for buying a house with housing provident fund. Only by buying a house with a housing provident fund loan can you enjoy preferential treatment. If the loan amount is 654.38+0,000,000 yuan, and the loan period is 30 years, if you choose to repay the principal and interest in the same amount, the interest on commercial loans will be as high as 965,438+0, 600 yuan, but the interest on housing provident fund loans will be 566,700 yuan, which can be about 340,000 yuan cheaper.

Second, what is the process of buying a house with provident fund?

1. First of all, the purchaser should submit the application form for housing provident fund loan to the local housing provident fund management center, and fill in the application form for housing provident fund carefully as required. After the housing provident fund management center accepts it, it will conduct a preliminary examination of the materials submitted by the purchaser, and after the preliminary examination is passed, it will issue a notice of mortgage review and evaluation.

2. After receiving the notice, the buyer shall take the notice to the appraisal institution designated by the housing provident fund management center to appraise the value of the house. After the appraisal, the appraisal agency will issue an appraisal report, but if the room type is affordable, this step can be omitted.

3. The applicant can sign a housing provident fund loan contract with the loan bank after choosing the appropriate guarantee method and handling the guarantee procedures. After signing the contract, the whole process is over, and then the buyer only needs to repay the loan on time.

Summary: The related content of how much housing provident fund can buy a house is introduced here for everyone, hoping to help friends in need. It can be seen that the use of housing provident fund loans to buy a house is much cheaper than other loan methods, but the specific amount depends on the local housing interest rate!

What are the benefits of buying a first suite with a housing provident fund loan?

1. The benefits are as follows:

1. You can enjoy the standard benchmark interest rate when you buy the first house with the provident fund loan. Loan ratio, enjoy the maximum loan amount according to the purchase area.

2. The interest rate of provident fund loans is lower than that of commercial loans.

3. The interest rate adjustment of provident fund loans shall be implemented in May 1 1, 2065438. The interest rate of provident fund loans for more than five years is 3.75%, the monthly interest rate is 3.75%/ 12, and the annual interest rate of provident fund loans for five years and less is 3.25%, which is consistent throughout the country.

Two, the lender to apply for housing provident fund loans should submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

1, the deposit certificate of the applicant's and spouse's housing provident fund;

2, the applicant and spouse's identity certificate (refers to the resident identity card, permanent residence booklet and other valid residence documents), proof of marital status;

3 proof of family income stability and other proof of creditor's rights and debts that have an impact on repayment ability.

Extended data:

Since 20 12, 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 interest rate discount of some banks can be up to 15%.

The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.

1. The calculation formula of provident fund loan based on repayment ability is: loan amount = [(total monthly salary of the borrower or husband and wife, monthly deposit of housing provident fund in the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of existing loans of the borrower or husband and wife ]× 12 (month )× loan period. Total monthly salary = monthly contribution of provident fund/(unit contribution ratio and individual contribution ratio);

2. The calculation formula of provident fund loan based on house price is: loan amount = house price × loan ratio. Among them, the loan proportion is determined according to different types. Generally speaking, if the building area is more than 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchase price.