Guiyang provident fund loan amount and interest rate

First, the housing provident fund loan interest rate:

First suite: the annual interest rate is 2.75% for less than five years (including five years); The annual interest rate for more than five years is 3.25%.

Second suite: the annual interest rate for less than five years (including five years) is 3.025%; The annual interest rate for more than five years is 3.575%.

Down payment ratio:

First suite: the minimum down payment ratio is 20%

Second suite: the minimum down payment ratio is 40%

Remarks: 1. The identification of the first suite means that employees' families can enjoy the first set of housing provident fund loan policy when they apply for housing provident fund loans for the first time to buy their own houses without applying for housing loans or commercial housing loans;

2. The identification of the second set of housing means that the employees' families have not applied for commercial housing loans, and the first set of housing provident fund loans have been settled and settled 12 months, and they have applied for housing provident fund loans again to buy self-occupied housing, which is identified as the second set of housing loans.

3. If there are two or more housing loans (including commercial housing loans or housing provident fund loans) in the credit records of employees' family members, no matter whether the housing is sold or whether the loans are settled, it is regarded as the third and above housing, and it is impossible to apply for housing provident fund loans.

Second, the housing provident fund loan amount:

1. The maximum loanable amount for single employees to apply for housing provident fund loans is 500,000 yuan, and the maximum loanable amount for dual employees to apply for housing provident fund loans is 600,000 yuan.

2. Calculation formula of loan amount:

Loan amount of housing provident fund = monthly paid salary base of loan employees (husband and wife) × 12× repayment ability coefficient (30%)× loan period+paid balance of employees (husband and wife) ×5.

Remarks: If the "employee (husband and wife) deposit balance" in the calculation formula is less than 30,000 yuan, it will be calculated as 30,000 yuan.