1. The monthly repayment amount (calculated by equal principal and interest or average principal) shall not exceed 50% of the deposit base of the applicant's housing provident fund, which can be accumulated * * * times with the deposit base of the applicant;
2. The amount of the provident fund loan is not higher than the difference between the total purchase price and the down payment;
3, not higher than the maximum amount of a single housing provident fund loan. For individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan. If the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city, the maximum amount of a single housing provident fund loan is 900,000 yuan;
4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loanable amount of the housing provident fund loan calculated according to the balance multiple of the housing provident fund account may be increased by 10%, but it shall not exceed the maximum amount of a single loan, the monthly repayment ability, the difference between the total purchase price and the down payment.
The calculation of the final loanable line is subject to the system calculation.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
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