The loan amount of Xi 'an Provident Fund will be different according to different housing loan situations. For example, the loan amount of ordinary commercial housing and affordable housing is generally within 70% of the total housing price, while the loan amount of hardcover housing is within 60% of the total housing price. Therefore, when calculating the loan amount of Xi 'an provident fund, it is necessary to analyze it according to the specific loan situation. What is the loan amount of Xi's provident fund? (1) The loan amount of ordinary commodity housing, affordable housing and fund-raising housing shall not exceed 70% of the total contract price of the purchased housing. (two) finely decorated houses and houses with prices significantly higher than the average level of the local market, the loan amount shall not exceed 60% of the total contract price of the purchased houses. (3) The amount of securities pledged loans shall not exceed 90% of the face value of securities. (four) to buy a second house in this area, and the loan amount shall not exceed 50% of the total contract price of the purchased house; The loan interest rate rises on the basis of the benchmark interest rate of the current year1.1%; If you buy a third house in this district, you may not apply for housing provident fund loans. (5) Employees who have been working locally for a long time but have paid the housing provident fund in different places buy local self-occupied housing, and the loan amount shall not exceed 60% of the total price of the purchased housing. At the same time, it should provide the relevant certification materials of personal income tax and social security fund issued by the relevant local departments for more than one year, and it is not eligible to apply for housing provident fund loans twice or more. (six) the maximum amount of housing provident fund loans does not exceed 700 thousand. Second, how to withdraw the provident fund from the provident fund: (1) First, apply to the employer. After the unit conducts a preliminary examination of the purchase, it will issue the "Application Form for Individual Housing Provident Fund for Employees in Chengdu to Purchase Housing" stamped by the unit. (two) to the "purchase and extraction of housing application form", identity certificate and related proof materials to the core for extraction audit. (3) After the core audit, the unit will issue a transfer check to the provident fund payment bank for payment. If housing provident fund is withdrawn for repayment of housing loans, it shall provide: Application Form for Withdrawing Individual Housing Provident Fund for Employees in Chengdu by Buying a Building filled in and sealed by the employer, original housing loan contract, repayment passbook or repayment savings card (the repayment record of the last month must be printed or provided on the passbook), and the spouse shall provide the original marriage certificate or household registration book when withdrawing. Three. Policies related to provident fund (1) Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for individual housing loans from the housing provident fund. (two) for the housing provident fund deposit in different places and the deposit is less than 6 months, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place. (3) Housing provident fund loans For paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing, they may not issue housing provident fund personal housing loans to paid employees' families who purchase the third and above houses. (4) All provinces, autonomous regions and municipalities directly under the Central Government should realize mutual recognition and transfer of housing provident fund deposits in different places, and promote the loan business in different places, that is, employees should apply for housing provident fund personal housing loans at the housing provident fund management center where they are registered on the strength of the deposit certificate issued by the housing provident fund management center in their place of employment. (V) Housing provident fund Personal housing loan guarantee is mainly based on the purchased housing mortgage loan. Cancel housing provident fund, personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee fees.

Legal objectivity:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. "Regulations on the Administration of Housing Provident Fund" Article 27 An applicant applying for a housing provident fund loan shall provide a guarantee.