Legal analysis: the maximum loan amount does not exceed 600,000 yuan. Loan amount: monthly deposit amount of housing provident fund × 12× future balance of individual account of housing provident fund )× 2 If the loan amount is less than 300,000 yuan, the maximum loan amount of housing provident fund shall be approved at 300,000 yuan on the premise of sufficient repayment ability of individuals. The loan amount of housing provident fund is generally determined by the applicant's (and his spouse's) housing provident fund deposit amount, deposit ratio, deposit time, purchase amount, loan term, repayment ability and other factors, and the actual loanable amount is subject to the final approved amount of the management office. Most cities have stipulated the maximum amount of a single housing provident fund loan, which generally does not exceed 80% of the total housing price.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
How much can Shenzhen provident fund borrow at most?
Legal analysis: 1. Shenzhen provident fund loan amount
The maximum loan limit of Shenzhen Provident Fund is 900,000.
The loan amount of Shenzhen housing provident fund is 12 times of the balance of the provident fund account for calculating the loanable amount, and the following conditions must be met:
(1) The total monthly repayment of loan principal and interest (calculated by equal principal and interest) shall not exceed 50% of the applicant's housing provident fund deposit base, and the * * * participating in the quota calculation may be accumulated with the applicant's deposit base;
(2) The loan amount of housing provident fund shall not be higher than the difference between the total purchase price and the down payment.
(3) Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan; The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan.
Second, the latest housing provident fund loan interest rate in Shenzhen
So far, the interest rate of provident fund loans has not changed compared with before. Specifically, for five years or less, the loan interest rate is 4.0% of the loan amount; The interest rate of provident fund loans for more than five years is 4.5%.
In addition, if the provident fund is used to purchase a second house, the loan interest rate of the second house is higher than the loan interest rate of the first house 10%, that is, the loan interest rate of the second house provident fund for less than five years is 4.4%, and the loan interest rate of the second house provident fund for more than five years is 4.95%. The interest rate of provident fund loans is the same everywhere.
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Twenty-seventh applicants for housing provident fund loans shall provide guarantees.
Shenzhen provident fund loan amount
1. What is the loan amount of Shenzhen Provident Fund?
The maximum loan limit of Shenzhen Provident Fund is 900,000.
The loan amount of Shenzhen housing provident fund is 12 times of the balance of the provident fund account calculated by Song Yin, and the following conditions must be met:
(1) The total monthly repayment of loan principal and interest (calculated by equal principal and interest) shall not exceed 50% of the applicant's housing provident fund deposit base, and the * * * participating in the quota calculation may be accumulated with the applicant's deposit base;
(2) The loan amount of housing provident fund shall not be higher than the difference between the total purchase price and the down payment.
(3) Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan; The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan.
2. What is the formula for calculating the loan amount of Shenzhen Provident Fund?
To calculate the amount of provident fund loans, it is necessary to provide the deposit base of the provident fund of both husband and wife and the age of the applicant. Within the maximum loan limit of 450,000 yuan, the actual loan amount of the loan applicant and spouse must meet the following two conditions (the amount is rounded to 1 10,000 yuan):
(1) loanable amount ≤ sum of the deposit bases of the borrower and spouse × 65438+February× loanable years× personal repayment ability coefficient (currently 0.5).
(2) Monthly repayment amount ≤ the sum of the actual income of the borrower and spouse ÷2
How to calculate the loan amount of Shenzhen housing provident fund
The loan amount of Shenzhen housing provident fund is 14 times of the balance of the applicant's provident fund account or the sum of the applicant's loanable amount and the applicant's provident fund account balance.
According to Article 17 of Shenzhen Housing Provident Fund Loan Management Regulations, the loanable amount of ordinary provident fund loans is 14 times of the sum of the balance of the applicant's provident fund account or the sum of the loanable amount calculated by the applicant and the balance of the applicant's provident fund account, and it also meets the following requirements:
(1) The monthly repayment amount calculated according to the loan amount (the principal and interest calculated by the matching principal and interest repayment method) shall not exceed 50% of the applicant's provident fund deposit base or the sum of the applicant and the calculated loanable amount and the applicant's provident fund deposit base;
(2) Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall meet the relevant requirements of national, provincial and municipal real estate regulation and control. If the purchased house is a commodity house (second-hand house), the total purchase price is the lower of the purchase contract price and the appraisal price made by the real estate appraisal agency recognized by the provident fund center;
(three) not higher than the maximum amount of a single housing provident fund loan. The maximum amount of individual application is 500,000 yuan, and the maximum amount of joint application is 900,000 yuan.
If the applicant and the applicant who calculated the loanable amount did not withdraw the provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount may be increased by 10%, but the conditions specified in the preceding paragraph shall be met.
Extended data:
"Shenzhen Housing Provident Fund Loan Management Regulations" Article 34 The maximum amount of a single housing provident fund loan, the multiple of the employee provident fund account balance, the ratio of monthly repayment to the provident fund deposit base, the credit standard, the down payment ratio and other indicators in these Provisions shall be adjusted in a timely manner according to the national, provincial and municipal housing policies and the city's provident fund deposit, withdrawal and loan situation.
The maximum amount of a single housing provident fund loan mentioned in the preceding paragraph shall be drawn up by the provident fund center and reported to the provident fund management Committee for approval before promulgation and implementation; The multiple of the employee provident fund account balance and the proportion of the monthly repayment amount to the housing provident fund deposit base shall be formulated and promulgated by the provident fund center according to the factors such as the liquidity of housing provident fund funds and loan risk, and reported to the provident fund management Committee for the record.