The maximum amount of Beijing provident fund loan is no more than 800,000 yuan, and the personal loan amount is determined according to the lender's monthly income and other factors. Provident fund is a kind of welfare guarantee for employees. Provident funds can be used for housing loans. Therefore, people pay more and more attention to the issuance of provident fund, and people also need to pay attention to the local provident fund loan regulations. 1. What is the loan amount of Beijing Provident Fund? At present, the maximum amount of housing provident fund loans in Beijing is 800,000 yuan. The method for determining the specific loan amount: (1) Calculate the applicant and the applicant's monthly income: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund; (II) Calculation of the maximum loan amount of the provident fund: The maximum loan amount is the balance of the family's monthly income after deducting at least 400 yuan's living expenses, and then divided by the monthly repayment amount per 10,000 yuan loan within the loan application period. (3) For the specific loan amount, the maximum amount, maximum loanable amount, minimum down payment, credit rating and assessed value of collateral of a single loan should be considered at the same time. For loan applicants with AAA credit rating in personal credit evaluation report, the loan amount can be increased by 30%; For AA borrowers and applicants, the loan amount can be increased by 15%. The loan amount of Beijing provident fund cannot exceed the maximum mortgage value of collateral. Loan Term: The longest loan term of the borrower can be calculated until the borrower is 70 years old, and the longest loan term is not more than 30 years.

Second, how to borrow personal housing provident fund to buy a house? The following procedures should be followed when handling the housing provident fund loan: (1) The borrower shall submit a written application to the municipal housing provident fund management center, fill in the Application Form for Housing Provident Fund Loan, and truthfully provide relevant information. (II) The municipal housing provident fund management center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount, loan term and contract completion, and the borrower signs relevant contracts or agreements with the center, and handles insurance according to the provisions of the People's Bank of China. (three) after the completion of the loan procedures, the city housing provident fund management center issued a loan approval notice to the bank, and the bank went through the loan issuance procedures after receiving the loan notice. Three. Beijing Provident Fund Loan Amount The calculation method of how to calculate the Beijing Provident Fund loan amount is as follows: (1) Take the smaller value as the upper limit, which shall not exceed 10 times of the borrower's housing provident fund deposit balance (subject to the data of 12 the night before applying for provident fund loan). If the borrower's spouse meets the conditions of provident fund loan, the balance of housing provident fund deposit shall be calculated together; If the borrower meets the conditions of provident fund loan and the spouse is an active serviceman, the loan amount is 20 times of the balance of the borrower's housing provident fund deposit; If the borrower or his spouse normally pays the housing subsidies for new employees, the paid housing subsidies for new employees can be combined with the balance of the borrower's housing provident fund deposit to calculate the loanable amount of the housing provident fund; The criteria for distinguishing whether housing subsidies for new employees are paid normally shall be implemented in accordance with the provisions of the Measures for the Administration of Housing Provident Fund Loans on the conditions for issuing housing provident funds. (2) Total house price ×( 1- specified loan down payment ratio) 1. When employees' families apply for the first provident fund loan, the construction area of Xing Tao (hereinafter referred to as the area) is 90 square meters (including the following, the down payment ratio of the loan shall not be less than 20% of the total house price; If the area is more than 90 square meters, the down payment ratio of the loan shall not be less than 30% of the total house price. 2. The down payment ratio of the second provident fund loan shall not be less than 50% of the total house price.

2. What is the higher loan amount of Beijing provident fund loan?

Each local policy is different, please consult 12329 for details.

The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of provident fund loans to house prices, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of borrowers.

Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan issued by the local housing provident fund management core, using the housing provident fund paid by the employees who apply for provident fund loans, and entrusting commercial banks to the housing provident fund depositors who purchase, build, renovate or overhaul their own houses and the retired employees who paid the housing provident fund during their employment. According to the regulations, employees who have paid housing provident fund for more than a certain period of time can apply for provident fund loans when the funds for purchasing, building, renovating and overhauling their own houses are insufficient.

Three. 202 1 what is the maximum deposit of Beijing provident fund?

202 1, the maximum contribution of Beijing provident fund is 6764 yuan, with units and individuals accounting for 50% and 3387 yuan respectively. This figure is determined by this year's wage ceiling. 202 1 the maximum deposit base of social security and provident fund is 2822 1 yuan, and the annual social wage above the wage ceiling is determined. If the average monthly wage exceeds 3% of the social wage,

4. What is the loan amount of Beijing husband and wife provident fund?

According to China Housing Provident Fund Network, the specific requirements are as follows:

First, the maximum loan amount.

Formula: The maximum loanable amount is the monthly income of the borrower's family (monthly income = monthly contribution of employee's individual housing provident fund ÷ the remaining amount of employee's housing after deducting 400 yuan's living expenses, and then divided by the monthly loan repayment amount per 10,000 yuan during the loan application period.

Second, the * * * loan to buy a house information

(1) identity

(2) Household registration book: home page, index page and personal page.

(3) proof of income (provided by the bank and stamped with the company seal)

(4) Purchase contract

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(6) Deposit receipt

Note: (1), (2), (5) and (6) need to be in triplicate.