1, which is not higher than the loan amount calculated according to the individual housing provident fund deposit.
The calculation formula is: account balance ×8+ monthly deposit × number of months to retirement age.
2, not higher than the maximum amount of personal housing provident fund loans.
1 person applies for a personal housing provident fund loan with a maximum amount of 600,000 yuan.
Two or more people buy the same set of self-occupied housing and jointly apply for individual housing provident fund loans. The loan amount is the sum of each applicant's loan amount, and the maximum amount is 6,543,800 yuan.
3. When an employee applies for a loan, the monthly repayment amount of the loan shall not exceed 50% of the family income. Monthly repayment amount only calculates the monthly repayment amount of provident fund loans. (The income is based on the deposit base or the salary registered in the collection system of our center, and no proof of income is required. )
4. Not higher than the loan amount determined by referring to the differentiated housing credit policy.
(1) If the family has no housing and no housing loans (including commercial housing loans and provident fund loans, the same below) in this city, the minimum down payment ratio for purchasing ordinary commodity housing will continue to be implemented when applying for provident fund loans, and the loan interest rate is the benchmark interest rate for provident fund loans.
(2) If the family has no housing in this city but has a record of settled housing loans, the down payment ratio for purchasing ordinary commodity housing when applying for provident fund loans shall be no less than 40%, and the loan interest rate shall be the benchmark interest rate for provident fund loans.
(3) If the family owns 1 apartment in this city and has no housing loan record, or owns 1 apartment and the loan has been paid off, the down payment ratio for purchasing ordinary commercial housing when applying for provident fund loan shall be no less than 50%, and the loan interest rate shall be 1 times and 1 times of the benchmark interest rate of provident fund loan.
(4) If the family has 1 outstanding housing loans, the down payment ratio of house purchase shall not be less than 70% when applying for provident fund loans, and the loan interest rate shall be 1 times and 1 times of the benchmark interest rate of provident fund loans.
(5) If the family applies for provident fund loans to purchase non-ordinary houses, the down payment ratio of the house purchase shall not be less than 70%. If the family has no housing in this city and there is no outstanding record of housing loans, the loan interest rate is the benchmark interest rate of provident fund loans. If the family has 1 housing or 1 housing loan outstanding records in this city, the loan interest rate is 1 and 1 of the benchmark interest rate of provident fund loans.
(6) The above-mentioned ordinary commercial housing refers to the commercial housing with the construction area below 144 square meters (inclusive), and the non-ordinary commercial housing refers to the commercial housing with the construction area above 144 square meters. Low-density commercial housing loans are not allowed.
(7) Continue to suspend the issuance of provident fund loans to families who purchase third and above houses.