The provident fund account has more than 80,000 loans, and the upper limit has been raised to 6.5438+0.2 million. According to local policies, you can call 654.38+02329 for consultation. The calculation of specific provident fund loan amount is determined according to four conditions: repayment ability, the percentage of provident fund loan to house price, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows: the loan amount calculated according to the repayment ability: (the total monthly salary of the borrower and the monthly contribution of the housing accumulation fund of the borrower) the repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan and the loan period (month). If the spouse's quota is used, the repayment ability coefficient (the total monthly salary of both husband and wife and the monthly contribution of the housing provident fund of both husband and wife's work units)-the total monthly repayment amount of the existing loans of both husband and wife, and the loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund/(the ratio of unit contribution to individual contribution); Loan amount calculated according to house price: loan amount = percentage of house price loan. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets; According to the loan amount calculated by the balance of the housing provident fund account, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000; According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. If I use my housing provident fund to apply for a housing provident fund loan, and I pay the supplementary housing provident fund normally when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan. According to the law, employees who pay the housing provident fund according to Article 26 of the Regulations on the Management of Housing Provident Fund in People's Republic of China (PRC) can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, decorating or overhauling their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities.

2. What is the maximum loan amount of Qingdao Provident Fund?

30 years

Provident fund loan conditions:

1. Have legal and valid identity documents;

2. The deposit status is normal, the provident fund has been fully paid for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment shall not be less than 30% of the total price of the purchased housing;

6. For building, renovating or overhauling houses, 30% of the total upfront expenses for building, renovating or overhauling houses can be paid;

7. The construction and renovation of houses shall be based on the documents approved by the planning and land management departments;

8 overhaul housing, approved by the planning and management department;

9. Being able to provide effective guarantee recognized by the management center;

10. Other conditions stipulated by relevant laws, regulations and policies.

3. How much can I borrow from Qingdao Provident Fund with a balance of 80,000 yuan?

Individuals who pay provident fund in Qingdao have a balance of 80,000 yuan in their provident fund account. When individuals buy their own houses, how much they can use provident fund loans is related to the maximum amount of Qingdao housing provident fund loans, the base of individual's monthly contribution to provident fund, whether individuals are married, family income and age.

According to the general rules, if an individual has got married and bought the first house, and the base of individual's monthly contribution to provident fund is more than 5,000 yuan, then the individual can borrow up to 600,000 yuan.