Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. So, what are the latest housing provident fund loan regulations? The main contents are as follows: 1. The more deposits, the more loans. The calculation formula is loan amount = (borrower's provident fund deposit balance+spouse's provident fund deposit balance) ××× deposit time coefficient, where the sum of borrower's and spouse's deposit balance is less than 10000 yuan, and the provident fund deposit account must be a normal deposit account. The borrower's deposit time coefficient in February is 6 to 1.7, and the deposit time coefficient is 0.7 to 2 seconds next month. The maximum loan for the first suite is 600,000, and the maximum loan for the first suite housing accumulation fund is 600,000, and the maximum loan for the second suite is 500,000, which is in line with the existing housing construction area of Wuhan employees' families 14383.90 square meters. The maximum loan for the first suite does not exceed 80% 1. The maximum proportion of housing provident fund loans for first-hand houses with a construction area of 90 square meters or less (including commercial housing and affordable housing) shall not exceed 80% of the total house price, and the maximum proportion of loans with a construction area of 90 square meters or more shall not exceed 70% of the total house price; The construction completion time of the purchased second-hand house is within 10 year (including 10 year), and the maximum loan ratio does not exceed 70% of the total house price. The construction completion time of the purchased house is within 1 1-20 years (including 20 years), and the maximum loan ratio does not exceed 760% of the total house price. The completion time of the purchased house is 2 1-30 years. The proportion of domestic loans shall not exceed 50% of the total house price. 2. If the existing housing construction area of Wuhan employees' families is140m2 or less and they purchase a second house and meet the requirements, the maximum loan ratio shall not exceed 40% of the total house price.