If both husband and wife of the borrower normally deposit the housing provident fund and meet the requirements of other loan quotas, the maximum loan quota shall be approved according to no more than 800,000 yuan, and if only one single employee or husband and wife normally deposit the housing provident fund, the maximum loan quota shall be approved according to no more than 500,000 yuan; At the same time, the maximum loan amount is linked to the borrower's deposit period. The maximum loan amount of housing provident fund shall not exceed the borrower's deposit period ×65438+ 10,000 yuan, and the deposit period shall be calculated according to the month of deposit/12. If the maximum loan amount calculated according to the deposit period is less than 300,000 yuan, it shall be calculated according to 300,000 yuan.
If you apply for individual housing loans by purchasing the same set of housing after withdrawing the balance of your spouse's housing provident fund account, you should subtract the corresponding withdrawal amount from the loan application amount.
These include:
(1) According to the loan scope:
1, housing loan. The loan amount shall not exceed 80% of the total price of the house purchase contract.
2. Business-to-public loans. The loan amount shall not exceed 80% of the remaining principal of the original commercial bank loan and the total price of the house purchase contract.
3. Housing demolition loan. The demolition area is not less than 20% of the newly resettled housing area, and the loan amount does not exceed the purchase price payable; If the demolition area is less than 20% of the newly resettled housing area, the loan amount shall pay the house price-(20% of the newly resettled housing area-demolition area) × square meter unit price (square meter unit price = payable house price/newly resettled housing area).
(2) As a guarantee:
1. For loans secured by immovable property certificates, the loan amount shall not exceed 70% of the house value.
2. For loans secured by pledge, the loan amount shall not exceed 90% of the face value of the pledge right certificate.
3. With the joint guarantee of natural persons and the pledge of housing provident fund, the loan amount shall not exceed 2 times of the pledged housing provident fund.
Legal basis: People's Republic of China (PRC) Social Insurance Law.
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.
Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.