Legal analysis: the maximum loan amount does not exceed 600,000 yuan. Loan amount: monthly deposit amount of housing provident fund × 12× future personal account balance of housing provident fund )× 2 If the loan amount is less than 300,000 yuan, the maximum loan amount of housing provident fund shall be approved at 300,000 yuan on the premise of sufficient repayment ability of individuals. The calculation method of provident fund loan amount is as follows:

1, calculate the loan amount according to the repayment ability.

The calculation formula is: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month).

2. according to the number used by the spouse

[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary, monthly contribution to provident fund ÷ (unit contribution ratio, individual contribution ratio).

3. The loan amount calculated according to the house price

The calculation formula is: loan amount, house price × loan ratio.

4. The loan amount is calculated according to the maximum loan amount.

I use my own housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan, and the maximum loan amount is 600,000 yuan if I use my spouse's housing provident fund to apply for housing provident fund loans. Use my housing provident fund to apply for housing provident fund loans, and pay the supplementary housing provident fund normally when applying for loans. When the maximum loan amount is 500,000 yuan, use my spouse's housing provident fund to apply for housing provident fund loans, and when applying for loans, I or my spouse will pay the supplementary housing provident fund normally, with the maximum loan amount of 700,000 yuan.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Two. Xiaogan Credit Company, Xiaogan Microfinance and Xiaogan Personal Credit

Xiaogan Credit Company-Xiaogan Microfinance-Xiaogan Personal Credit

Three. Xiaogan zhenggui loan company

There are still many formal loan companies in Xiaogan area. You can check it online, but no matter which company you borrow, you must first understand the strength of the company. If the loan is successful, don't give the other party any fees. I hope I can help you and wish you a happy life! ! !

4. Which banks in Xiaogan can lend money?

China Construction Bank, Agricultural Bank, Industrial and Commercial Bank, China Merchants Bank, Bank of Communications, Postal Bank, Bank of China, etc.