1.2 million. The maximum loan amount of Shijiazhuang housing provident fund is 600,000 yuan, and both husband and wife can borrow10.2 million yuan. The specific loan amount is comprehensively determined in combination with the factors such as the deposit of provident fund, repayment ability, liabilities, loan term and the value of the house purchased by the applicant and his spouse.

How to calculate the amount of provident fund loans?

The specific loan amount is comprehensively determined in combination with the factors such as the deposit of provident fund, repayment ability, liabilities, loan term and the value of the house purchased by the applicant and his spouse.

(1) repayment ability: the monthly repayment amount of the loan applicant shall not exceed 60% of the sum of the deposit bases of the loan applicant and his spouse.

(2) If there are other loans and guarantees in the personal credit report of the loan applicant and his spouse, the loan amount shall be the loan amount calculated according to the repayment ability minus the balance of the secured loan.

What is the down payment ratio for applying for housing provident fund loans?

If the housing purchased by employees is located in the urban area, the down payment ratio of the first suite is not less than 30%, and the down payment ratio of the second suite is not less than 60%; If the housing purchased by employees is located in the county or city (district) under the jurisdiction of Shijiazhuang, the down payment ratio shall not be less than 20%.

Policy basis: