The specific amount of Hanzhong provident fund loan amount can be calculated according to the applicant's monthly deposit amount and deposit time. At present, the maximum loan amount of Hanzhong Provident Fund is 700,000 yuan, which is used to purchase the first self-occupied house, second-hand house, overhaul and pay social insurance premiums. The loan period can be up to 30 years, and different buyers have different repayment methods. For example, when buying the first self-occupied house, the repayment method of equal principal and interest is adopted, and the monthly repayment amount is fixed, but the ratio of principal and interest is gradually changing. When buying a second-hand house, the average capital repayment method is adopted. The monthly repayment amount remains unchanged, but the interest gradually decreases. In addition, the loan interest rate of Hanzhong Provident Fund shall not exceed 1. 1 times of the benchmark interest rate. At present, the benchmark interest rate stipulated by the People's Bank of China is 4.65%, while the interest rate of provident fund loans in Hanzhong City does not exceed 5. 1 1%.
How to increase the loan amount of Hanzhong provident fund? In order to increase the loan amount of Hanzhong Provident Fund, we can start from the following aspects: 1. Increase the amount of personal provident fund deposit and increase the amount of personal deposit in the provident fund account; 2. Increase the deposit period of the provident fund so that individuals can have a longer deposit time in the provident fund account; 3. Increase other loan guarantee methods, such as providing collateral and increasing repayment guarantor; 4. Improve the applicant's credit score. A good credit record can improve the applicant's loan qualification.
Hanzhong City's provident fund loan amount is up to 700,000 yuan, which is used to purchase the first self-occupied house, second-hand house, overhaul and pay social insurance premiums. The maximum loan period is 30 years, and the interest rate shall not exceed 1. 1 times of the benchmark interest rate. To increase the loan amount, we can increase the amount of personal provident fund deposit, increase the deposit period of provident fund, increase other guarantee methods, and improve personal credit score.
Legal basis:
Article 19 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund, if an individual applies for withdrawing housing provident fund to pay the principal and interest of housing loans, overhaul or pay social insurance premiums, and if the employee has paid housing provident fund for six months continuously, the maximum loan amount shall be determined according to the monthly deposit amount multiplied by the number of deposit months at the time of application.