1. Both husband and wife pay the provident fund normally. The balance of existing provident fund is 28,000 yuan and 26,000 yuan respectively. Now it is the first time to buy a house, with an area of 89.23 square meters and a total price of 823,000. How much can the provident fund loan borrow?

Answer: (1) total house price ×( 1- specified loan down payment ratio)

823,000× (1-20%) = 658,400 yuan.

(2) Calculated according to 10 times of the combined balance of the husband and wife housing provident fund deposit,

(28,000+26,000) ×10 = 540,000 yuan.

Take the smaller value of (1) and (2) as 540,000 yuan.

540,000 yuan exceeds the maximum loan amount of 500,000 yuan normally paid by the borrower and the spouse, so the loan amount is calculated as 500,000 yuan.

You can borrow up to 500 thousand.

2. Both husband and wife pay the provident fund normally, and the balance of the existing provident fund is 8,000 yuan and 6,000 yuan respectively. Now it is the first time to buy a house, with an area of 89.23 square meters and a total price of 823,000. What is the maximum amount of provident fund loan I can borrow in this case?

Answer: (1) total house price ×( 1- specified loan down payment ratio)

823,000× (1-20%) = 658,400 yuan.

(2) Calculated according to 10 times of the combined balance of the husband and wife housing provident fund deposit,

(8000+6000) ×10 =140000 yuan.

Take the smaller value of (1) and (2) 140000 yuan.

Finally, according to "employees' families use provident fund loans to buy houses for the first time, and the area is below 90 square meters (inclusive), and they can provide proof that the houses purchased by the real estate management department are the first houses. If the loan amount is less than 300,000 yuan according to the above provisions, it can be calculated as 300,000 yuan. " Relevant provisions of the policy.

The maximum loan is 300,000.

3. Only one of our husband and wife pays the provident fund normally, and the balance of the existing provident fund is 38,000 yuan. Now it is the first time to buy a house, with an area of 103.5 square meters and a total price of 920,000 yuan. In this case, how much can the provident fund loan be borrowed?

Answer: (1) total house price ×( 1- specified loan down payment ratio)

920000× (1-30%) = 644000 yuan.

(2) Calculated according to 10 times of the borrower's housing accumulation fund deposit balance,

38,000×10 = 380,000 yuan.

Take the smaller value of (1) and (2) as 380,000 yuan.

380,000 yuan exceeds the maximum loan amount of 300,000 yuan normally paid by the borrower, so the loan amount is calculated as 300,000 yuan.

The maximum loan is 300,000.

4. Both husband and wife pay the provident fund normally, and the balance of the existing provident fund is 58,000 yuan and 35,000 yuan respectively. I once had a house with an area of less than 90 square meters, which was paid off in June 2009. Now I am going to buy a commercial house with an area of 103.5 square meters and a total price of 920,000 yuan. Can I apply for provident fund again?

A: Since the housing area you bought with the first provident fund loan is less than 90 square meters, you can apply for the second provident fund loan.

The loan amount is calculated as follows:

(1) Total house price ×( 1- specified loan down payment ratio)

920000× (1-50%) = 460000 yuan.

(2) Calculated according to 10 times of the borrower's housing accumulation fund deposit balance,

(58,000+35,000) ×10 = 930,000 yuan.

Take the smaller value of (1) and (2) as 460,000 yuan.

460,000 yuan does not exceed the maximum loan amount of 500,000 yuan normally paid by the borrower and the spouse, so the loan amount is calculated as 460,000 yuan.

You can borrow up to 460,000 yuan, but since it is the second time to use the provident fund loan to buy a house, you need to implement the floating provident fund interest rate of 10%.

5. Both husband and wife normally remit the provident fund. We bought a commercial house with a provident fund loan, with an area of 1.20 square meters, and now it has been paid off. Can I apply for a provident fund loan to buy a house after the New Deal of Provident Fund Loan?

A: According to the new provident fund loan policy, the second set of provident fund loans is only applicable to workers' families (including borrowers, spouses and minor children) whose housing area is less than 1.20 square meters when handling the first set of provident fund loans, and the loan purpose is limited to the purchase of ordinary self-occupied housing with improved living conditions. The purchase area of your first provident fund loan has reached 120 m2, so you can't apply for provident fund loan again.

6. Both husband and wife normally remit the provident fund. We used provident fund loans twice before, and now we have paid them off. Can I apply for a provident fund loan to buy a house after the New Deal of Provident Fund Loan?

A: According to the new policy of provident fund loans, employees' families who have applied for provident fund loans to buy houses for more than three times (inclusive) will stop issuing provident fund loans. Since you have applied for provident fund loans twice, if you buy a house again and apply for provident fund loans, it is the third time to apply for provident fund loans, so you can't apply for provident fund loans again.

7. I am divorced and single now. I applied for a provident fund loan during my marriage. The original housing area is123m2. I awarded it to the other party after my divorce. The original provident fund loan has been paid off normally. Now I want to apply for a provident fund loan to buy a house in my own name. Is it okay?

Answer: If the marital status changes, the provident fund loans handled during the original marital relationship will be included in the number of provident fund loans for both husband and wife. The housing area you bought with the first provident fund loan is larger than 120 square meters, so you can't apply for the provident fund loan again.

8. I just transferred to Wuxi from other places, and I used to remit the provident fund normally in other places. It hasn't been half a year since the new unit remitted the provident fund in Wuxi. Excuse me, I want to apply for a provident fund loan to buy a house in Wuxi. What are the specific policies and regulations?

Answer: If the borrower or his spouse transfers the housing provident fund from other places to this city, he/she should provide the deposit certificate of the housing provident fund management center of the original deposit place, which proves that you paid the housing provident fund in full and on time within 6 months before the transfer, and the Wuxi unit in the transfer place is in a normal payment state, and you can apply for a provident fund loan by paying the housing provident fund in this city normally 1 month.

9. I pay the provident fund normally. My wife is an active officer. My existing provident fund balance 18000 yuan. Now it is the first time to buy a house, with an area of 103.5 square meters and a total price of 920,000 yuan. What is the maximum amount of provident fund loan I can borrow in this case?

Answer: If you can provide the original and photocopy of your lover's officer or noncommissioned officer's card and the certificate of active duty officer issued by the political department or military affairs department of the army, you can calculate the loan amount by 20 times the balance of my provident fund deposit.

(1) Total house price ×( 1- specified loan down payment ratio.

920000× (1-30%) = 644000 yuan.

(2) Calculated according to 20 times of the balance of the borrower's housing provident fund deposit,

18000× 20 = 360000 yuan.

Take the smaller value of (1) and (2) as 360,000 yuan.

360,000 yuan does not exceed the maximum loan amount of 500,000 yuan normally paid by the borrower and the spouse, so the loan amount is calculated as 360,000 yuan.

The maximum loan can be up to 360 thousand.

The above is a policy question and answer about the loan amount of Wuxi provident fund, which is authoritative for your reference.

If you own a house with a square meter of 100, the total price is 800,000. Because the area is more than 90 square meters, you have to pay a down payment of 30% to 240,000 (if it is less than 90 square meters, the down payment is only 20%), you need a loan of 560,000, and the general provident fund loan is less than 560,000 (you can calculate your loanable amount according to the above example). Suppose you can borrow 360,000 yuan from the provident fund. This combination of provident fund loans and mortgage loans is called portfolio loans.

In addition, the loan amount is also related to your repayment ability (that is, salary income), and the specific loan period will be determined according to your loan amount and monthly repayment ability. Generally speaking, in the case of fixed amount and strong repayment ability, the loan term can be shorter, and vice versa (but the longest is 30 years).

I hope the above answers are helpful to you.