Beijing provident fund loans can be borrowed 654.38+10,000 yuan per year. If the maturity is less than 654.38+0, the maximum loan can be 6.5438+0.2 million yuan according to the calculation of 654.38+0. Under the following circumstances, the loan amount can be increased:

1. If the household registration of the loan applicant is in Dongcheng District or Xicheng District of Beijing, the maximum loan amount can be increased by 200,000 yuan to 6,543.8+0.4 million yuan if the first home is purchased outside the six districts of Beijing (Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai and Shijingshan).

2. If the loan applicant's household registration is in Chaoyang, Haidian, Fengtai and Shijingshan District, the maximum loan amount can be increased by 6.5438+0.3 million yuan to 6.5438+0.3 million yuan if he buys the first house outside the six districts of the city.

3. If it does not belong to the above two situations, buy the first house with a maximum loan amount of 6,543,800+0.2 million.

4. In line with the second home loan policy, the maximum loan amount is 600,000 yuan.

Note: The New Deal lowered the maximum loan amount of the second home loan from 800,000 yuan to 600,000 yuan. The formula for calculating the loan amount of the provident fund is as follows: loan amount = (monthly individual payment amount/payment ratio-minimum living guarantee amount)/monthly repayment coefficient corresponding to the loan period.

The materials to be prepared for withdrawing the provident fund are:

1. You need to write a withdrawal application.

2. The identity information of the applicant, such as the original and photocopy of the ID card.

3. The applicant shall fill in the application for withdrawal. In addition, you need to prepare the down payment receipt and purchase contract for the first suite. If it is a second suite, you need to submit the house ownership certificate and deed tax certificate. After verification, the unit shall issue a certificate of extraction.

legal ground

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.

What is the loan amount of Beijing provident fund?

1. The maximum loan limit of Beijing housing provident fund is about 550,000 yuan. If you borrow by yourself, the maximum amount is about 550,000, and you can also use the balance of supplementary provident fund to borrow, so you can borrow up to 620,000. If it is a national cadre, the maximum loan can be about 650,000. Borrowing in the name of husband and wife can be up to 800,000 yuan. If both of them are state officials, the maximum loan can be about 1.2 million yuan.

2. The emergency passage will arrive quickly!

3. At present, the maximum loan amount of the first suite of Beijing provident fund loan can reach 6.5438+0.2 million yuan. The minimum down payment ratio of personal loans for the second housing provident fund is 20%, the maximum amount of the first home loan is 654.38+0.2 million yuan, and the maximum amount of the second home loan is 800,000 yuan.