1. The loanable amount of the provident fund loan is 14 times of the balance of the housing provident fund account of the applicant and the co-applicant, and meets the following requirements:
(1) The monthly repayment amount of the loan (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are co-applicants and co-applicants who deposit housing provident fund in this city, the deposit base of housing provident fund shall be the sum of the deposit bases of the applicant and co-applicants.
(2) Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall not be lower than the down payment ratio stipulated by the state. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal agency recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.
(3) Not higher than the maximum amount of single-family housing provident fund loans. For individual employees, the maximum amount of provident fund loans for a single house is 500,000 yuan. If the applicant and the co-applicant jointly apply and the co-applicant deposits the housing provident fund in this city, the maximum amount of a single housing provident fund loan is 900,000 yuan.
If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met.
(4) When the loanable amount of provident fund loans is insufficient to pay for the purchase of housing, employees can apply for commercial housing loans from the entrusted bank, which will distribute them to employees in the form of combined provident fund loans (a combination of provident fund loans and commercial housing loans). Please consult the provident fund loan business outlets or the local provident fund management center in detail when handling.
The above contents are for your reference. Please refer to the actual business regulations.
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