住房公积金十二问（Housing provident fund twelve questions）.docVIP

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住房公积金十二问（Housing provident fund twelve questions）.doc

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住房公积金十二问（Housing provident fund twelve questions）

住房公积金十二问（Housing provident fund twelve questions） Housing provident fund twelve questions Housing provident fund twelve * * * q top heat Author: anonymous source: the original hits: 1988 update time: 2008-5-5 Housing provident fund twelve questions: One: apply for housing provident fund loans should have the conditions? Answer: 1, credit is good, have stable occupation and economic income; 2 、 have permanent residence permit or valid residence status; 3, according to the provisions of continuous and full deposit housing provident fund for more than one year (including one year); 4, the purchase of home ownership of formal contracts and compliance with the first payment certificate; 5, the assets recognized by the management center for collateral. Two: the housing accumulation fund loan interest rate is how much? Answer: 1, 1-5 years (including 5 years) loan, annual interest rate is 4.77%; 2, 630 years (including 30 years) the loan interest rate of 5.22%. Note: 1, the case of national adjustment loan interest rate adjustment on the issue before the loan in the next year in January 1st, implementation of the new loan interest rate adjustment; after the date of loans, the implementation of the new loan interest rate. Three: housing provident fund loan period what are the provisions? Answer: 1, the loan period of up to 30 years; 2, the age and the duration of the loan is less than the statutory retirement age, from the borrower; 3, continuous, full housing provident fund deposit more than 5 years and stable income, good credit borrowers can extend the loan period 1-5 years, but shall not exceed the maximum period of loan. Four: housing provident fund loan amount is how much? Answer: 1, borrowers and joint borrowers only one party deposit housing provident fund: the maximum amount of application for 250 thousand yuan; 2, borrowers and joint borrowers are normal deposit housing provident fund (including in Nanchang, rail centers pay housing provident fund): the maximum am