Legal analysis: First, the maximum loan limit of Zhongshan Provident Fund is 500,000.

According to the provisions of Zhongshan provident fund loan amount:

(1) It is now stipulated that the maximum amount of housing loan for each depositor of housing provident fund is 350,000 yuan. If a number of provident fund depositors apply for provident fund loans while buying a house, their respective loanable amounts can be accumulated, and the maximum amount of applications for purchasing a single house can reach 900,000 yuan. The maximum loan for parking spaces can be 75,000 yuan (the borrower must purchase self-occupied housing in the community where parking spaces are planned).

(2) villas, townhouses and single-family houses do not accept provident fund housing loan applications; Applications for provident fund housing loans will not be accepted if the existing houses (houses with real estate licenses) are older than 30 years, and those with mixed structures are older than 20 years.

(3) The monthly repayment of principal and interest shall not exceed 50% of the applicant's income.

(4) The maximum loan amount, down payment ratio and loan period are formulated by Zhongshan Housing Provident Fund Management Committee and adjusted with the adjustment of national policies.

The loan amount of Zhongshan Provident Fund was reduced from 350,000 yuan to 300,000 yuan, and the loan amount of two applicants was 500,000 yuan; The interest rate of provident fund loans rises10%; Provident fund loans are limited to ordinary housing with building area 144 square meters or interior area 120 square meters.

Second, the provident fund loan period

The loan term is 30 years.

The longest loan period is 30 years.

The age of the borrower and the longest loan period are 65 years.

Three. Provident fund loan interest rate:

According to the regulations of the People's Bank of China, the current effective interest rate is 4.00% for loans with a term of less than five years (inclusive) and 4.50% for loans with a term of more than five years. If the loan term is within 1 year (including 1 year), the principal and interest shall be repaid in one lump sum; If the loan term exceeds 1 year, two repayment methods are adopted: equal principal and interest or equal principal repayment.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-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.

How much can the provident fund loan borrow?

1. How much can the provident fund loan satisfy the hunger base?

1, maximum loanable 1 ten thousand yuan. Among them, paid employees can borrow more than 500,000 yuan, and personal loan lines are available. The personal loanable amount of employees is determined by a certain multiple of the average monthly deposit, and its calculation formula is: multiple of the average monthly deposit of employees.

2. Legal basis: Article 29 of the Regulations on the Management of Housing Provident Fund.

The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used to establish the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.

Two, provident fund loans can be borrowed for several years.

1. housing provident fund loan period 1-30 years. Theoretically, the loan period cannot be longer than the time when the lender reaches the statutory retirement age, but some local policies can extend it to 5 years after the statutory retirement age;

2. The loan period of housing provident fund loans is also related to first-hand houses and second-hand houses and their uses. Apply for housing provident fund loan. The longest time to borrow a new house is not more than 30 years, and the longest time to borrow a second-hand house is not more than 15 years. The longest time for private construction, renovation and overhaul to apply for housing provident fund loans shall not exceed 15 years. Apply for provident fund loans for building construction, renovation and overhaul. The loan term should be consistent with the loan term required for house purchase. It should be noted that the above-mentioned fixed number of years shall not be greater than 5 years after the statutory retirement time of the borrower.

How much can Zhongshan provident fund deposit base of 8000 be loaned?

600 thousand yuan. According to the relevant regulations of the Housing Provident Fund Management Center, the deposit base of Zhongshan Provident Fund is 8,000 yuan, which is the maximum loan limit. Provident fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

This is the end of the introduction of how many times Zhongshan provident fund loan can be borrowed. I wonder if you have found the information you need?