1, maximum loan amount

When employees' families apply for provident fund loans, if the loan applicant meets the conditions of provident fund loans, the maximum loan amount will be adjusted to 300,000 yuan; If both the loan applicant and the spouse meet the conditions for provident fund loans, the maximum loan amount will be adjusted to 600,000 yuan.

2. Implement the loan amount.

The loan amount is linked to the borrower's provident fund deposit period and balance.

(1) If the employee has paid the housing provident fund in full and on time for less than 24 months, the loan amount shall be calculated as 5 times of the deposit balance;

(2) If the employee has paid the housing provident fund in full and on time for a total of 24 months but less than 36 months, the loan amount shall be calculated as 7 times of the deposit balance;

(3) If the employee has paid the housing provident fund in full and on time for 36 months, the loan amount shall be calculated as 10 times of the deposit balance.

If the borrower's spouse meets the conditions of provident fund loan and applies for a loan at the same time, the loan amount is the sum of the balance of the borrower's and his spouse's provident fund deposit multiplied by the corresponding multiple of their respective provident fund deposit years.

If the spouse of the loan applicant who meets the conditions of provident fund loan is an active serviceman, the loan amount will be relaxed to twice the loan amount of the aforementioned loan applicant.

Note: When calculating the deposit period of housing provident fund, the housing provident fund paid in full and on time can be accumulated. The overdue housing provident fund is not included in the calculation range of the deposit period, but it can be included in the calculation when calculating the deposit balance.

3. The loan amount should be linked to the borrower's repayment ability.

On the premise of ensuring the basic living expenses of employees' families, the monthly repayment amount calculated by the matching principal and interest repayment method shall not exceed 60% of the monthly income of the loan applicant and spouse, and the loan amount and loan term shall be determined. The monthly income is calculated according to the deposit base of the provident fund in the last month before the loan applicant and his spouse apply for a loan (based on the latest normal remittance data of the unit the night before the loan application 12). If the loan applicant's repayment ability is insufficient, collateral or guarantor shall be added according to the requirements of the guarantee company.

If the spouse of the loan applicant who meets the conditions of provident fund loan is an active soldier, the monthly income can be relaxed to 2 times of the deposit base of the loan applicant.

(2) Precautions

1, about the determination of total house price:

(1) The commercial house is the total price of the house purchase contract; The stock room is the lower of the declared price and the evaluated price;

(2) If the total price of the commercial housing purchase contract includes the decoration price, the total house price shall be calculated by deducting the decoration price (the decoration price shall be directly deducted from the purchase contract; If the decoration price is not stipulated in the house purchase contract, it shall be deducted by 15% of the total house purchase contract price);

(3) If low-income families purchase affordable housing, they must deduct a specified proportion of down payment funds from the total housing price, and deduct the amount of government monetary subsidies.

2. The deposit balance is based on the data of 12 the night before applying for provident fund loan.

3. If the borrower's spouse meets the conditions for provident fund loans and applies for loans at the same time, the loan amount shall be the sum of the provident fund deposit balances of the borrower and his spouse multiplied by the corresponding multiple of their respective provident fund deposit years.

4. If the loan applicant or spouse meets the loan conditions, the deposit balance of housing subsidies for new employees can be calculated together.

5. When calculating the deposit period of housing provident fund, the housing provident fund paid in full and on time can be accumulated. The overdue housing provident fund is not included in the calculation range of the deposit period, but it can be included in the calculation when calculating the deposit balance.

6. If the spouse of a loan applicant who meets the conditions of provident fund loans is an active serviceman, the loan amount will be relaxed to 2 times of the loan amount of the loan applicant;

7. The monthly income shall be based on the deposit base of the provident fund in the last month before the loan applicant and his spouse apply for a loan. If the loan applicant has insufficient repayment ability, he can choose to reduce the loan amount, extend the loan term and increase the collateral (or guarantor) according to the requirements of the guarantee company.

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