The loan ratio of housing provident fund can be divided into the following two situations according to the construction area of the purchased housing:

1. If the purchased housing area is less than 90 square meters, you need to apply for a provident fund loan. It is required that the total provident fund of borrowers and their families should reach at least 20% of the new housing expenditure, and the loan amount should not be higher than 80% of the purchased housing price.

2. If the purchased house area exceeds 90 square meters, a down payment of not less than 30% of the purchased house price is required, and the loan amount is not higher than 70% of the purchased house price.

How to calculate the proportion of provident fund loans?

According to relevant regulations, the proportion of provident fund loans is generally 1: 10 to 1:20, which means that the amount we can borrow is generally 10 to 20 times the balance of provident fund.

From the actual situation, the amount of provident fund loans used to buy a house is usually 15 or 20 times the balance of provident fund loans. If it is a joint loan between husband and wife, the loan amount is 15 or 20 times the sum of the provident fund accounts of both husband and wife.

However, there are three main factors that affect the amount of provident fund loans, as follows:

Repayment ability: provident fund loans will generally judge our repayment ability through the proof of work income provided by us, so as to adjust the loan amount.

Transaction price: Whether handling commercial loans or provident fund loans, borrowers need to pay part of the down payment first, and the rest can be handled as provident fund loans. Generally speaking, the down payment ratio of the first home provident fund loan is at least 30%. For example, if the total house price is 6.5438+0 million, the lender needs to pay at least 300,000 down payment, and the remaining 700,000 can be used for provident fund loans.

Loan amount: there is also a limit on the amount of provident fund loans. Not all the remaining loans can be made after the down payment, but the loan limit of provident fund in different cities will be different.

In short, the specific loan ratio should be comprehensively calculated according to the borrower's other conditions, which will not only be affected by the provident fund loan ratio, but also be adjusted according to our repayment ability, house price and loan ceiling.

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:

1. Housing provident fund is only established in cities and towns, and there is no housing provident fund system in rural areas.

2. Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

3. The housing accumulation fund consists of two parts, one part is paid by the employee's unit and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of housing provident fund together with the unit deposit.

4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must pay it continuously according to the regulations during their employment, and it shall not be suspended or interrupted except for the retirement of employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

5. Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: accumulation and specificity.

Main attributes

Housing accumulation fund:

1, security, the establishment of employee housing provident fund system, which provides a guarantee for employees to solve housing problems faster and better;

2. Mutual assistance, the establishment of housing provident fund system can effectively establish and form a mechanism and channel for employees with housing to help employees without housing, while housing provident fund provides assistance to employees without housing in terms of funds, which reflects the mutual assistance of housing provident fund to employees;

3. In the long run, every urban employee must pay individual housing provident fund from the date of work until retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.

main feature

housing accumulation fund

1, universal, urban workers must pay the housing provident fund in accordance with the regulations, regardless of the nature of their work units, family income, and whether they own housing;

2, mandatory (policy), the unit does not apply for housing provident fund deposit registration or does not set up housing provident fund accounts for employees of the unit, the housing provident fund management center has the right to order it to handle within a time limit, overdue, can be punished according to the relevant provisions of the "Regulations", and can apply to the people for compulsory execution;

3. Welfare: In addition to the housing provident fund paid by employees, the unit should also pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;

4. Repayment method: the employee retires, resigns or completely loses the ability to work, terminates the labor relationship with the unit, moves out of the household registration or settles abroad, etc. , the paid housing provident fund will be returned to the individual employees.

What is the quota ratio of housing provident fund loans?

The loan amount shall not exceed 70% of the total price of the house purchased.

The highest proportion of the first set of housing loans for the second-hand housing provident fund is divided into three grades according to the construction completion years. If the completion period of the house is within 10 year (including 10 year), the maximum loan ratio shall not exceed 70% of the total house price;

If the completion period of the house is within 1 1-20 years (including 20 years), the maximum loan ratio shall not exceed 60% of the total house price; If the completion period of the house is within 265,438+0-30 years (including 30 years), the maximum loan ratio shall not exceed 50% of the total house price. Among them, the determination of the total house price is based on the appraised house price, the actual transaction price and the lowest price in taxable value.

What is the proportion of provident fund loans?

The proportion of provident fund loans in each region is different, which depends on the specific loan policy of provident fund centers in each region. Generally speaking, the amount of provident fund loans is 10-20 times of the lender's provident fund account balance. Please consult your local provident fund center for details.

The amount of provident fund loans is related to the balance of personal accounts. For example, if the multiple specified in a certain area is 15 times and the lender has a provident fund of 20,000 yuan in his account, he can apply for a provident fund loan of 215 = 300,000 yuan, but of course the loan amount cannot exceed the maximum loanable amount stipulated by the local provident fund.

The amount of provident fund loans is also related to the lender's provident fund deposit base. For example, in some areas, it is stipulated that the monthly repayment amount of the lender cannot exceed half of the deposit base of the lender's provident fund. In this case, even if the lender has more provident fund balance in the provident fund account, it may be impossible to apply for many loans because of the low deposit base.

If you plan to apply for provident fund loans in the future, the lender should try not to withdraw funds from the provident fund account before the loan so that you can apply for more loans.

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

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

(1) Housing provident fund is only established in cities and towns, and there is no housing provident fund system in rural areas.

(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of housing provident fund together with the unit deposit.

(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must pay it continuously according to the regulations during their employment, and it shall not be suspended or interrupted except for the retirement of employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. 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 is not paid in cash. It must be deposited in a 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 and can only be used for purchasing, building, overhauling self-occupied housing or paying rent during storage. Only when employees leave their jobs, retire, die, completely lose their ability to work, terminate their labor relations with their units or move out of their original cities can they withdraw housing provident fund from their accounts.