Xinxiang provident fund loan amount?

Xinxiang provident fund loan amount varies according to the time and amount of the applicant's provident fund deposit, and the maximum amount can reach 3.5 million yuan.

Xinxiang City Housing Provident Fund Management Center stipulates that employees who have paid housing provident fund for more than 6 months can apply for provident fund loans. The loan amount varies according to the time and amount of the applicant's contribution to the provident fund. Specifically, Xinxiang Housing Provident Fund Management Center divides the loan amount into five grades according to the time and amount of the applicant's provident fund deposit, which are below 6.5438+million, 654.38+ 00-200,000, 2-500,000 and 5-654.38+000-3.5 million respectively. Correspondingly, the corresponding loan term is also different, with a maximum of 30 years. It should be noted that applying for provident fund loans also needs to meet other conditions, such as no real estate under the applicant's name. At the same time, the loan interest rate and repayment method also need to be selected and handled according to the specific situation.

What are the repayment methods of provident fund loans? According to the regulations of Xinxiang Housing Provident Fund Management Center, there are three repayment methods for provident fund loans: equal principal and interest, and equal principal and interest first. Among them, equal principal and interest means the same monthly repayment amount, including principal and interest. Average capital means that the monthly repayment principal remains unchanged, the interest decreases month by month, and the total repayment amount decreases month by month. Interest before interest means that only interest is paid in the early stage and principal and interest are paid in the later stage. Different repayment methods will affect the repayment amount and repayment period. Applicants need to choose and handle according to their actual situation.

Xinxiang Housing Provident Fund Management Center divides the amount of provident fund loans into five grades according to the time and amount of the applicants' provident fund deposit, with a maximum of 3.5 million yuan. There are three repayment methods: equal principal and interest, average principal and interest first, which need to be selected and handled according to the specific situation.

Legal basis:

"Regulations on the management of housing provident fund" Article 13 The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall go to the housing provident fund management center for the registration of housing provident fund deposit, and after being audited by the housing provident fund management center, set up a housing provident fund account for its employees at the entrusted bank. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.