The loan amount of Lianyungang housing provident fund is: if both husband and wife pay the provident fund normally and apply for a loan together, the maximum loan amount is 600,000 yuan; Individuals deposit provident fund to apply for loans, with a maximum amount of 300,000 yuan. In addition, the provisions of the loan amount of provident fund are: 1. If the applicant purchases commercial housing, fund-raising housing and affordable housing, the maximum loan amount shall not exceed 70% of the house price; For the purchase of second-hand houses, the maximum loan amount shall not exceed 60% of the house price; 2. The maximum loan amount of the applicant shall not exceed 15 times of the balance of my provident fund; * * * jointly applying for a loan shall not exceed 15 times of the sum of the balance of the provident fund; 3 for the construction of owner-occupied housing, the loan amount shall not exceed 50% of the project budget cost. Lianyungang first home provident fund loan amount refers to the large loan amount that individuals can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. The calculation of the loan amount of the first suite provident fund in Lianyungang should be determined according to the repayment ability, the proportion of the house price and the balance of the housing provident fund account, and the calculated small value is the borrower's high loanable amount. The calculation method is as follows: (1) The loan amount of the first home provident fund in Lianyungang calculated according to the repayment ability: [(total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). (2) The loan amount of Lianyungang first-home provident fund calculated according to the spouse's usage amount: [(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 period (month). Among them, the repayment ability coefficient is 40%; Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution). (3) The loan amount of Lianyungang first-home provident fund calculated according to the house price: the calculation formula is: loan amount = house price × loan ratio. How long can Lianyungang's first housing provident fund loan last? First, the purchase of Lianyungang commodity housing, price-limited commodity housing, targeted sales (resettlement) of affordable housing, the loan period shall not exceed 30 years; Buying private housing in Shucheng shall not exceed 20 years; The period of purchasing the property right of Shucheng public housing or building, renovating or overhauling its own housing shall not exceed 10 years. 2. The sum of the borrower's age and loan term in Lianyungang City shall not exceed 5 years after the statutory retirement age. The legal retirement age is generally calculated according to the age of 55 for women and 60 for men; Unless otherwise stipulated by the state, the retirement age shall be implemented according to its provisions, but the height shall not exceed 65 years old. 3. The longest loan period of the first set of housing provident fund lenders in Lianyungang shall not exceed the low value calculated by the above two methods.

Second, the housing provident fund loan can buy a house with a loan of 350,000 yuan.

You can apply to the provident fund management center, and you need to provide the purchase contract and the down payment receipt before you can handle it. The general loan amount is measured according to the amount of your monthly provident fund. Even if your provident fund is enough, the provident fund management center will evaluate it according to the age of the building. General loans can be around 60%, or even less.

3. Can Lianyungang Provident Fund borrow 350,000 yuan?

If you are single, you can't get a loan.

1. At present, the maximum loan amount of Lianyungang borrowers is 600,000 yuan, and that of Lianyungang borrowers is 300,000 yuan.

2. The loan ratio does not exceed 80% of the total house price, which is the total house price, excluding ancillary facilities such as storage rooms and parking spaces; The price of second-hand housing is the fair price assessed by a third-party assessment agency, excluding furniture, home appliances and other decoration facilities. The lowest price is the transaction price, deed tax price and assessment price. New construction, renovation and overhaul of owner-occupied housing, the loan ratio shall not exceed 50% of the project budget cost.

3. The loan amount shall not exceed 15 times of the balance of housing provident fund normally paid by the borrower (calculated separately by individuals).

4. The loan amount shall not exceed the borrower's monthly average deposit (average in the last 6 months) × remaining loan months ×2.5 (calculated separately by individuals).

4. Lianyungang bought a second-hand house with a total price of 700,000. How much is the down payment for provident fund loans?

1. According to the price and down payment, the down payment of 30% is 2 1.

Second, depending on the local provident fund loan ceiling of 400,000, you can't borrow 490,000.