Both husband and wife can apply for housing provident fund loans as long as they have paid the housing provident fund, but it should be noted that there is a limit on the amount of housing provident fund loans. First, the maximum amount of provident fund loans that both husband and wife can borrow. According to the level, the maximum amount of provident fund loans is 800,000 for grade A, 920,000 for grade AA and 654.38+0.04 million for grade AAA. The longest loan period of the provident fund is 30 years, which is subject to the age of the husband and wife, and the age plus loan period cannot exceed 70, which is also related to the age of the building. The building age plus loan period of brick-concrete structure cannot exceed 47, and the building age plus loan period of steel-concrete structure cannot exceed 57. The specific loan amount is: First, it must not exceed the individual repayment ability, that is, the sum of the borrower's monthly deposit/borrower's reserve deposit ratio+borrower's spouse's reserve deposit ratio ×50%× 12 (month )× loan period; Second, the purchase of the first set of ordinary self-occupied housing shall not exceed 70% of the purchased housing price (if the construction area of Xing Tao is below 90 square meters (inclusive), it shall not exceed 80% of the purchased housing price); Third, borrowers (including spouses) should have the ability to repay the principal and interest of loans, and the average monthly income should not be lower than the minimum living standard for urban and rural residents in this city. Duration of provident fund loan: The longest term of housing provident fund loan is 30 years. In principle, the sum of the borrower's age and the number of years of applying for loans shall not exceed 5 years after his statutory retirement age, that is, male employees can borrow until 65 years old and female employees can borrow until 60 years old. Two. Housing provident fund loan interest rate 1, interest rate level The housing provident fund loan interest rate is adjusted and released by the People's Bank of China. Since 2065438+August 26th, 2005, the People's Bank of China has lowered the benchmark interest rates of RMB loans and deposits of financial institutions. Personal housing provident fund deposit and loan interest rates will be adjusted accordingly. After adjustment, the annual interest rate of individual housing provident fund loans is 2.75% for five years or less and 3.25% for more than five years. 2. Compared with commercial loans, provident fund loans can save tens of thousands of yuan in interest under the same loan amount and repayment period. Take a 400,000 house as an example, with a loan of 280,000. If the term of the commercial loan is 25 years, the monthly repayment is 172 1 yuan, and the total repayment for 25 years is 5 16300 yuan, and the total interest paid is as high as 236,300 yuan. It is also a provident fund loan with a term of 25 years, with a monthly repayment of 1.548 yuan. The total repayment in 25 years is 464,400 yuan, and the total interest paid is 1.8444 million yuan. Compared with commercial loans, the monthly payment can be reduced by 1.73 yuan, and the interest expense can be saved by nearly 5 1.90 yuan in 25 years. With the same loan amount and the same repayment amount, compared with commercial loans, provident fund loans not only have shorter repayment time, but also have much less repayment interest. Similarly, if the loan of 280,000 yuan is repaid with the same amount 172 1 yuan/month, the commercial loan will be repaid for 300 months, totaling 5 16300 yuan, with interest of 236,300 yuan. The provident fund loan is repaid to 25 1 month, that is, 2 1 year, and all the principal and interest have been paid off, with a total repayment of 4,30715 yuan, and the interest paid is only 1507 15 yuan, which is 85,585 yuan less than that of commercial loans. Third, the housing provident fund loan advantage 1, the provident fund loan interest rate offers the same loan amount and repayment period, and the provident fund loan can save tens of thousands of yuan in interest than commercial loans. Take a 400,000 house as an example, with a loan of 280,000. If the term of the commercial loan is 25 years, the monthly repayment is 172 1 yuan, and the total repayment for 25 years is 5 16300 yuan, and the total interest paid is as high as 236,300 yuan. It is also a provident fund loan with a term of 25 years, with a monthly repayment of 1.548 yuan. The total repayment in 25 years is 464,400 yuan, and the total interest paid is 1.8444 million yuan. Compared with commercial loans, the monthly payment can be reduced by 1.73 yuan, and the interest expense can be saved by nearly 5 1.90 yuan in 25 years. With the same loan amount and the same repayment amount, compared with commercial loans, provident fund loans not only have shorter repayment time, but also have much less repayment interest. Similarly, if the loan of 280,000 yuan is repaid with the same amount 172 1 yuan/month, the commercial loan will be repaid for 300 months, totaling 5 16300 yuan, with interest of 236,300 yuan. The provident fund loan is repaid to 25 1 month, that is, 2 1 year, and all the principal and interest have been paid off, with a total repayment of 4,30715 yuan, and the interest paid is only 1507 15 yuan, which is 85,585 yuan less than that of commercial loans. 2. It is more convenient and flexible to repay provident fund loans. Buying a house with a provident fund mortgage loan, the bank's repayment method will be more flexible than buying a house with a commercial loan. The borrower can determine the monthly repayment amount by himself, provided that the monthly repayment amount is not lower than the minimum repayment amount stipulated by the bank. In this way, the borrower can make a reasonable and feasible repayment plan according to his own economic strength, which is convenient for the borrower to arrange his monthly economic expenditure. For prepayment of provident fund mortgage loan, the borrower can repay part or all of the loan principal and interest in advance without paying any liquidated damages. However, if the borrower chooses commercial loans, the repayment method of bank loans is not so flexible. For commercial loans, there are only two ways to prepay, one is to prepay in one lump sum, and the other is to prepay in multiples of ten thousand. 3. Provident fund loans have fewer restrictions on the purchased real estate. Major commercial banks have more restrictions on the conditions of second-hand housing loans. It is difficult for banks to apply for housing loans for second-hand houses with excessive housing age, poor real estate location and poor property mobility. However, for the purchase of houses with provident fund loans, banks have relatively few restrictions on the age of second-hand houses. Second-hand housing age and housing loan life add up to less than 50 years, you can apply for provident fund mortgage loans. According to the law, we can know that the maximum loan amount of husband and wife provident fund depends on the situation, depending on the repayment ability and housing age of both parties, and the maximum loan amount can reach more than one million.
Legal objectivity:
civil law
Article 1064
The debts incurred by both husband and wife after the same signature or ratification by one party, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife.
Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife;
However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.