We all know that applying for housing provident fund loans with our own housing provident fund, the maximum loan amount depends on the provisions of the local provident fund; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the local provident fund will also limit the high loan limit. 1. Purchase price-limited commercial housing or affordable housing according to the loan amount calculated from the balance of the housing provident fund account. The loan amount shall not be higher than 15 or 20 times of the balance of the housing provident fund account when the employee applies for the provident fund loan (at the same time, applying for the provident fund loan using the spouse housing provident fund is the sum of the balance of the employee's own and spouse's housing provident fund account, the same below). If the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan. What needs to be explained here is that due to the different regulations of provident fund management in different places, when calculating according to the account balance, some areas will calculate according to 15 times of the account balance, and some areas will calculate according to 20 times. Under the following circumstances, the loan amount shall not be higher than 10 times the balance of the housing provident fund account when the employee applies for a loan. If the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000: the loan is used to purchase a second house; Purchase public housing; Construction, renovation or overhaul of self-owned housing on rural collective land. Second, the loan amount calculated according to the house price is simple, and the calculation formula is: loan amount = house price × loan ratio, but the applicable standards are different in specific situations. If the employee's family loan is used to purchase the second set and other self-owned houses that meet the purchase conditions, the loan amount shall not exceed 70% of the purchased house price. It should be reminded that after the housing price, many cities have restarted the property market loan restriction policy. The provisions of "the loan amount shall not exceed 80% of the purchased house price" and "the loan amount of the second home shall not exceed 70% of the purchased house price" are no longer applicable in Beijing, Shanghai, Shenzhen and other cities. Therefore, before calculating the quota, buyers can consult the local provident fund management department and recalculate the quota as appropriate. 3. Calculate 1 according to the borrower's repayment ability. The specific calculation formula of the loan applicant's own loan is: the total monthly salary of the borrower+the monthly deposit of the housing accumulation fund of the borrower's unit) ×40%- the total monthly repayment of the borrower's loan ]× the loan period (month). 2. The calculation formula of the same loan for both husband and wife: (total monthly salary of both husband and wife+monthly contribution of housing provident fund of both husband and wife) ×40%- total monthly repayment of both husband and wife ]× loan period (month). Among them, the low repayment ability coefficient is generally stipulated as 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio+individual contribution ratio). The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.

Legal objectivity:

In view of the problem raised by some buyers that "the balance of provident fund in the provident fund account is zero, so the amount of provident fund loan is zero", the amount of Beijing housing provident fund loan is not calculated according to the balance in the lender's provident fund account. At present, the maximum amount of a single housing provident fund loan is 400,000 yuan; The loan amount can be increased by 30% to 520 thousand yuan for loan applicants whose credit rating is AAA in the personal credit evaluation report; The AA category can increase by 15% and reach 460,000. The calculation formula of the maximum loanable amount of the housing accumulation fund of this city is: the remaining amount after deducting the monthly living expenses of at least 400 yuan from the monthly income of the borrower's family (monthly income = the monthly contribution amount of the employee's individual housing accumulation fund ÷ the contribution ratio of the employee's housing accumulation fund), and then dividing it by the monthly repayment amount per 10,000 yuan during the loan application period, which is the maximum loanable amount. At the same time, the specific loan amount and term must meet the requirements of single maximum loan amount, maximum loanable amount and minimum down payment. For example, if you apply for a housing provident fund loan, the individual will pay the housing provident fund in 200 yuan every month, with a deposit ratio of 8%, and the spouse will pay the housing provident fund every month with a deposit ratio of 8%. The loan application period is 10 year, and the purchased house is affordable, with a total house price of 400,000 yuan, so you can borrow at most 330,000 yuan. In addition, the current provident fund loan contract stipulates that early repayment is actually a unilateral breach of contract, so the defaulting party should bear the liability for breach of contract in accordance with the contract, such as paying liquidated damages. However, at present, there is no such provision in the provident fund loan contract, but it is agreed to repay in advance. The specific provision is that after you pay off the principal and interest of the current month, you can repay part or all of the loan in advance. Interest is not charged on part or all of the loan principal repaid in advance after repayment. If the loan is not paid off in full in advance, the prepayment amount of some loans must be an integer multiple of 10000 yuan, at least 10000 yuan. For the remaining loan amount, you can choose to recalculate the monthly repayment amount without changing the loan term, or shorten the loan term appropriately without changing the monthly repayment amount. It is understood that the purchase of owner-occupied housing, you can withdraw the provident fund, but the cumulative withdrawal amount can not be greater than the total purchase price. If you buy a house with a loan, you can also withdraw the provident fund quarterly or annually after buying a house. But one thing to remind you is that when you withdraw the provident fund, you must keep at least one month's deposit in your provident fund account.