The loan ceiling was raised to 654.38+200,000. In the part of provident fund loan, first take your provident fund card to consult the bank where your provident fund is located to see how much money you have in your provident fund card and how much money you can borrow at most. The general provident fund loan amount can be up to ten times the amount in your current provident fund card, and the upper limit is 400,000. For example, if your card has 10000, you can only borrow 654380+000; If you have 50 thousand, you can only borrow 400 thousand The calculation of monthly payment is the same as that of ordinary commercial loans, but the interest rate is lower. Policy: to purchase the first self-occupied house, the maximum amount of personal loan will be adjusted from 300,000 yuan to 500,000 yuan, and the maximum amount of family loan will be adjusted from 600,000 yuan to 6,543,800 yuan; Supplementary provident fund deposit, the maximum amount of personal loans on the basis of 500 thousand yuan increased by 6.5438+0 million yuan, the maximum amount of family loans on the basis of 6.5438+0 million yuan increased by 200 thousand yuan. The purchase of an improved second set of ordinary commodity housing shall be implemented with reference to the purchase of the first set of housing policy. Purchase an improved second set of non-ordinary commodity housing, and the maximum loan amount of provident fund will be adjusted accordingly. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Legal objectivity:

"Measures for the Administration of Urban Real Estate Mortgage" Article 2 Anyone who engages in real estate mortgage activities within the scope of state-owned land in urban planning areas shall abide by these measures. These Measures shall not apply to the mortgage of the right to use state-owned land for houses without land (including buildings, structures and projects under construction).