What is the housing provident fund loan limit?

Provident fund loan limit: The loan limit applied for can be calculated and determined with reference to the following factors, and the minimum value is taken: 1. The maximum loan limit is 400,000 yuan. 2. The total amount of the loan applied for shall not exceed 80% of the total price of the house purchased. 3. If the contract price is inconsistent with the appraised value or the deed tax payment amount, the lowest one will be used for calculation. 4. 20 times the total balance of the housing provident fund accounts of the applicant and his wife. 5. The monthly repayment amount shall not exceed 50% of the monthly salary income of both spouses. 6. If the loan amount is still insufficient to pay the full price of the house after it is determined, you can apply for a commercial loan (i.e. personal housing portfolio loan) from the entrusted bank at the same time. 3. Loan term 1. The maximum loan term shall not exceed 30 years. When applying for a portfolio loan, the loan terms of the provident fund loan and the commercial housing loan must be consistent. 2. The maximum loan period is extended by another 5 years based on the statutory retirement age. 4. Application materials 1. "Housing Provident Fund Personal Loan Application Form" in duplicate; 2. Original and three copies of the borrower's identity certificate; 3. Original and three copies of the borrower's spouse's identity certificate (married); 4 .The original and two copies of the borrower's household registration certificate; 5. The original and two copies of the borrower's spouse's household registration certificate (married); 6. The original and three copies of the borrower's marital status certificate issued by the civil affairs department; 7 .The original real estate transfer contract or the original and two copies of the commercial housing pre-sale contract (within three years from the date of issuance); 8. The original and three copies of the house ownership certificate and land certificate of the purchased house (within three years from the date of issuance) Within one year); 9. The original and two copies of the prepaid house purchase note; 10. The original and two copies of the deed tax payment certificate (within one year from the date of issuance); 11. The seller's collection account and the borrower's repayment account How much housing provident fund loan can be borrowed

1. What is the housing provident fund loan limit

1. The total price of the house purchased. To apply for a provident fund loan, the applicant needs to prepare at least 30% of the down payment. In some areas, only 20% of the down payment is required. The lower the down payment, the higher the loan amount you need to apply for. Because the remaining 70% or 80% of the house price needs to apply for a provident fund loan.

2. Provident fund account balance. The higher the balance of the personal provident fund account, the higher the amount of provident fund loan that can be applied for. Generally speaking, the amount of personal provident fund loan is 10-20 times of the balance of the provident fund account.

3. The amount limited by local provident fund policies. Different regions have different maximum provident fund limits.

Currently, in some second-tier cities, if you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan. If a couple takes a housing provident fund loan, the maximum loan limit is 600,000 yuan. The provident fund loan term is up to 30 years.

2. How to apply for a provident fund loan

1. To apply for a housing provident fund loan, the lender must submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information: the applicant and Spouse’s housing provident fund payment certificate; identity certificate of the applicant and spouse (referring to resident ID card, permanent residence booklet and other valid residence documents), documents proving marital status;

2. Proof of stable family economic income and others Proofs of claims and debts that have an impact on repayment ability; valid supporting documents such as contracts and agreements for purchasing housing; mortgages, pledge lists, ownership certificates used for security, and proof of the consent of the person with the right to dispose of the mortgage and pledge, and relevant departments Proof of valuation of the collateral issued; other information required by the Provident Fund Center.

3. For loan applications with complete information, the bank will promptly accept and review them and submit them to the Provident Fund Center in a timely manner. The Provident Fund Center is responsible for approving loans and notifying banks of the approval results in a timely manner.

How much can a provident fund loan be?

A provident fund loan can lend 500,000.

Generally, if one person applies for a housing provident fund loan, the maximum loan amount is 500,000. If two or more people apply for a housing provident fund loan to purchase the same house, the maximum loan amount is 800,000.

Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan for an individual in Chengdu is 400,000 yuan; the maximum amount for an individual housing provident fund loan in Guangzhou is 500,000 yuan; in Beijing, the maximum amount of a housing provident fund loan is 500,000 yuan. The maximum loan amount of the municipal housing provident fund is 800,000. If the rating reaches 3A level, the maximum can be 800,000 (130%) = 1.04 million.

Information for applying for a housing provident fund loan:

(1) ID cards of employees and spouses, original household registration books, original marriage certificates or original marriage status certificates, and housing provident fund cards.

(2) Original sales contract (if you purchase a second-hand house, you must also provide the house ownership certificate, state-owned land use certificate, the People's Republic of China and the deed tax payment certificate).

(3) Down payment certificate issued by the selling unit.

(4) A letter of commitment for self-relocation signed by the borrower, agreeing to the lending bank's agreement to inquire and print the personal credit report through the People's Bank of China's credit reporting system.