Loan procedures: the borrower takes his/her ID card and the purchase and building procedures (original) to the housing provident fund management department to receive the housing provident fund loan application form and related materials → the borrower fills in the form as required, prepares the required materials, and after the approval of the borrower's unit, the borrower sends the materials to the housing provident fund management department → the housing provident fund management department where the house is purchased for acceptance, and approves the borrower's materials → informs the borrower to sign a loan contract with the undertaking bank → the loan trustee bank issues loans. (two) the time limit for handling housing provident fund loans is 7 working days from receipt (loan materials are complete) to approval. If the extension is necessary for special reasons, it may be extended for 5 working days with the approval of the city center leaders, and the loan applicant shall be informed of the reasons for the extension.

Calculation of housing provident fund loan

The formula for calculating the loan amount according to the repayment ability is: (total monthly salary of the borrower+monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). According to the amount used by the spouse [(total monthly salary of both husband and wife+monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-total monthly repayment amount of existing loans of both husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = monthly contribution of provident fund ÷ (unit contribution ratio+individual contribution ratio). The formula for calculating the loan amount according to the house price is: loan amount = house price × loan ratio. If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

According to Article 5 of the Regulations on Housing Provident Fund Loans, if I use my housing provident fund to apply for housing provident fund loans, and the supplementary housing provident fund is normally paid when applying for loans, the maximum loan amount is 500,000 yuan.