First, the latest housing provident fund loan object and conditions

1. Have permanent residence or valid residence status in all urban areas of this city.

2 have a stable professional income, good credit, and the ability to repay the principal and interest of the loan.

3. The applicant and the employer have continuously paid the housing provident fund in full for more than 6 months according to the regulations.

4. The applicant must purchase self-occupied housing, the nature of the land is state-owned residential land, and agree to use all the property rights of the purchased housing as loan collateral.

5. The applicant shall make a down payment of not less than 20% of the total house price.

Second, the latest housing provident fund loan amount

The loan amount applied for can be calculated and determined with reference to the following factors, with the minimum value taken:

1. The maximum loan limit is 400,000 yuan.

2. The total amount of the loan application shall not exceed 80% of the total price of the house purchased.

3. If the contract price is inconsistent with the assessed value and the deed tax payable, the lowest one shall be calculated.

4. 20 times of the total balance of the applicant's husband and wife's housing provident fund account.

5. The monthly repayment amount shall not exceed 50% of the monthly salary of both husband and wife.

6. If the loan amount is still insufficient to pay the full amount of the house purchase, you can apply for a commercial loan from the entrusted bank at the same time.

Third, the latest housing provident fund loan period.

The longest loan period shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.