Pingxiang Housing Provident Fund Management Center implements the mortgage loan system and provides low-interest, long-term and stable housing provident fund loan services. The loan amount is related to personal deposit time, deposit ratio, purchase area and loan period. At present, Pingxiang's provident fund loan policy is as follows: 1. Loan interest rate: the lowest benchmark interest rate (currently 4.65%); 2. Loan term: up to 30 years; 3. Purchase area and loan amount: based on the proportion of purchase area to total household income, the maximum loan can be 2 million yuan; 4. Personal deposit time and deposit ratio: if the deposit time exceeds 6 months, the deposit ratio shall not be less than 10%. It should be noted that in addition to the policy provisions, it is also necessary to evaluate according to the specific requirements of the bank and the personal credit situation, and the specific loan amount will be adjusted over time.
Can an individual apply for a provident fund loan if the deposit time is less than six months? According to Article 17 of Pingxiang City Housing Provident Fund Management Regulations, individuals should deposit for six months before withdrawing housing provident fund. Therefore, individuals who have paid less than six months are generally unable to apply for provident fund loans.
Pingxiang provident fund loan amount is related to individual deposit time, deposit ratio, purchase area and loan period. The policy stipulates that the maximum loan is 2 million yuan. However, the specific amount needs to be evaluated according to personal circumstances and policies, and the specific requirements of banks and personal credit conditions will also have an impact on the loan amount.
Legal basis:
"Pingxiang City Housing Provident Fund Management Regulations" Article 35 Employees and families who meet the housing provident fund loan conditions shall be given housing provident fund loan support.