65438+ monthly repayment (yuan) Total interest (yuan) Monthly interest rate (yuan) Monthly repayment (yuan) Total interest (yuan)12.7758484.41.1.81.2. kloc-0/6 32.7752922.69 52 16.84 4 4 08 4.95732.67 67048.76 25663.68 203.225599. 15 43796.00 4.957 12.97 7 1 1 / kloc-0/2.80 273 16.80 2 1 3.225580.29 46233.08 4.95695.36 75230.72 28997.64 223.225563.228690.08 4.559555554 Therefore, the loan conditions, loan term and loan amount of housing provident fund loans vary from place to place. Therefore, it is best for borrowers to go to the website of the local housing provident fund management center to inquire about relevant policies or telephone consultation when applying. Edit the application conditions in this paragraph. What are the basic conditions for applying for housing provident fund personal housing loan? The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans. The following is a detailed analysis: edit the extraction materials of housing provident fund in this paragraph, and extract the original and photocopy of the applicant's ID card and social security card. 2. The original and photocopy of the agent's ID card, social security card and relationship certificate (the agent must be the spouse or lineal blood relative of the extractor). 3. Extract the written entrustment issued by the applicant to the agent. 4. Under special circumstances, if an agent other than spouse or lineal blood relatives is needed, a power of attorney notarized by a notary office shall be provided. 1. The loan target should meet the following four conditions: (1) Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans, while employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans. (2) If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. (3) If one spouse has applied for a housing provident fund loan, neither spouse may obtain a housing provident fund loan again before the principal and interest of the loan are fully paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. (4) When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 2. The purpose of the loan must be earmarked: the purpose of the housing provident fund loan is limited to the purchase of owner-occupied housing with ownership, and the purchased housing should meet the architectural design standards stipulated by the Municipal Provident Fund Management Center. Workers who purchase houses with the right to use cannot apply for housing provident fund loans. 3. Have general housing loan conditions: applicants for housing provident fund loans should have self-raised funds equivalent to 20% or more of the housing purchase price (regulations vary from place to place); Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans. In this section, edit the comparison of average capital and matching principal and interest of provident fund loans 1. Traditional repayment methods include average capital and equal principal and interest. Of these two repayment methods, the average capital is more economical in loan interest, but this repayment method is more stressful in the early stage, which is more suitable for borrowers with abundant funds or plans to repay in advance in the short term. The repayment method of equal principal and interest, although the loan interest is higher, is more suitable for those borrowers who are currently short of funds and do not intend to repay in advance in the short term. 2. Since the interest rate of the provident fund loan is also a floating interest rate type, the interest rate of the provident fund loan will also change according to the adjustment of the central bank loan interest rate in the actual process. However, the implementation time of the loan interest rate change is stipulated. Under normal circumstances, when the borrower encounters the adjustment of the loan interest rate during the loan period, the new loan interest rate will be implemented on 1+65438 in the following year. If you apply for a provident fund loan now, the current loan interest rate for 5-30 years is 3.87%. Assuming that the interest rate of provident fund loans changes this year, your loan interest rate of 20 10 will be implemented according to the interest rate adjusted last time in 2009 on June 65438+ 10/. Edit the loan process of this paragraph 1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans and truthfully provide the following information: (1) Proof of deposit of the applicant's and spouse's housing provident fund; (2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status; (3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability; (four) the purchase of housing contracts, agreements and other valid documents; (5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments; (six) other information required by the provident fund center. 2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time. 3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results. 4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract. 5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.