Maximum amount: if both the borrower and the spouse have paid the housing provident fund in full for more than one year, the maximum loan amount is 450,000 yuan; If the borrower unilaterally pays the housing provident fund according to the regulations, the maximum loan amount is 350,000 yuan, and the loanable amount of the borrower within the maximum loan amount = the sum of the monthly wages of the borrower and his wife who have paid the housing provident fund × 12 (month )× 0.5× the actual loanable period, and the * * * property owner and repayment participant are not included in the calculation; Maximum duration: 20 years; Moreover, the sum of the borrower's age and the loan period shall not exceed 5 years after his statutory retirement age, and he must apply for a loan before retirement.

2. How to calculate the loan amount of Hefei Provident Fund?

The maximum amount of personal provident fund loans in Hefei is 450,000 yuan, and the maximum amount of loans for both husband and wife is 55 yuan. The calculation method of personal provident fund loan amount is: the deposit balance in personal provident fund account × deposit time multiple, and the borrower's spouse × deposit time multiple; The sum of the monthly salary income of the husband and wife who have paid the housing provident fund ×1February× repayment ability coefficient× actual loanable years.

With the provident fund loan amount, of course, personal loans and husband-and-wife loans can be loaned.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

The definition of housing provident fund includes the following five aspects:

When cities and towns are established, the housing accumulation fund system is not established in rural areas.

(2) Only on-the-job employees can build unemployed urban residents and retired employees.

(3) The housing accumulation fund consists of two parts. Part of it is paid by employees, and the other part is paid by employees. After withholding by the unit, it will be paid into the personal account of housing provident fund together with the part paid by the unit.

(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be uninterrupted during their employment or outside the housing provident fund management regulations, and shall not be suspended or interrupted. It embodies the stability, unity, standardization and compulsion of housing provident fund.

(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:

First, it is cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it does not need to be deposited in the special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.

The second is special. The housing provident fund is earmarked for special purposes. During the storage period, it can only be used for the purchase, construction and overhaul of self-occupied housing, or if it dies, completely loses its ability to work and moves out of the original city with the unit, it can be withdrawn from its account.

According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees.

Housing accumulation fund belongs to enterprises and institutions and belongs to enterprise expenses.

Three, Hefei provident fund loans can be divided into the following two situations.

1. If both the applicant and the other half have paid the housing provident fund in full for more than 6 months, the maximum loan amount is 550,000; 2. If the applicant unilaterally pays the housing provident fund as required, the maximum loan amount is 450,000. The above is the relevant content of how much Hefei provident fund can borrow. What is the application standard of Hefei housing provident fund loan?

1. The borrower has paid the housing provident fund in full for more than six months as required, and the original commercial loan needs to be paid off in advance; 2. The borrower must be the same person as the original commercial lender, the owner of the purchase contract and the purchaser; 3. The original residential loan is a pure profit loan with normal repayment and excellent personal credit. Portfolio loan cannot handle provident fund loan business; 4. The commercial and residential building purchased by the applicant should be a complete set of housing in the residential area within or outside the Second Ring Road. If it is a house in a residential area and a real estate license has been obtained, the term of the house shall not exceed 20 years from the date of completion of the house. Land ownership is clear and there is no objection, and the applicant's property right should be no less than 50%. How many times can a personal provident fund be loaned?

Housing provident fund loans can be used up to two times. According to the national requirements, whether unmarried or married, a family can only use the housing provident fund loan to buy a set of self-occupied housing twice at most. The use of personal provident fund loans to buy a third suite will not be tried, and the cost and interest of the first set of housing provident fund loans have not been paid off, and personal provident fund loans cannot be proposed to buy a second set of housing. Therefore, one of the prerequisites for handling housing provident fund loans is that there are no outstanding housing provident fund loans under the names of borrowers and their immediate family members when applying for housing provident fund loans. If the property buyer used the personal provident fund loan when purchasing the property for the first time, and is in the process of repaying the housing loan, and wants to use the personal provident fund loan again, he needs to pay off the loan of the original first suite first, and then go through the relevant procedures of the personal provident fund loan. In the case that the purchase restriction policy has not been relaxed, local people can only buy two houses as a family unit, so the buyers who buy the third suite will be refused loans. This article is mainly about the knowledge of how much Hefei provident fund can borrow.

4. What is the loan amount of Hefei Provident Fund?

Hefei provident fund loans are divided into one-person loans and husband-and-wife loans. The maximum loan for one person is 350 thousand, and the maximum loan for husband and wife is 550 thousand. The second suite can also use provident fund loans.