The loan amount is linked to the borrower's provident fund deposit period and balance.

(1) If the employee has paid the housing provident fund in full and on time for less than 24 months, the loan amount shall be calculated as 5 times of the deposit balance;

(2) If the employee has paid the housing provident fund in full and on time for a total of 24 months but less than 36 months, the loan amount shall be calculated as 7 times of the deposit balance;

(3) If the employee has paid the housing provident fund in full and on time for 36 months, the loan amount shall be calculated as 10 times of the deposit balance.

If the borrower's spouse meets the conditions of provident fund loan and applies for a loan at the same time, the loan amount is the sum of the balance of the borrower's and his spouse's provident fund deposit multiplied by the corresponding multiple of their respective provident fund deposit years.

If the spouse of the loan applicant who meets the conditions of provident fund loan is an active serviceman, the loan amount will be relaxed to twice the loan amount of the aforementioned loan applicant.

Note: When calculating the deposit period of housing provident fund, the housing provident fund paid in full and on time can be accumulated. The overdue housing provident fund is not included in the calculation range of the deposit period, but it can be included in the calculation when calculating the deposit balance.

The first set of housing for the workers' families with the first set of provident fund loans.

If an employee's family purchases the first set of self-occupied housing with a construction area of less than 90 square meters (inclusive), the loan amount may not be linked to the balance of the provident fund deposit. If the loan applicant meets the conditions for provident fund loans, the maximum loan amount will be adjusted to 300,000 yuan; If both the loan applicant and the spouse meet the conditions for provident fund loans, the maximum loan amount will be adjusted to 600,000 yuan.

Information source of specific loan amount ""Click here to view.

Loan application conditions

1. The loan applicant must meet the following conditions: pay the housing provident fund to our center on time, in full and continuously within 6 months before the month of applying for the loan, and have not owed the housing provident fund for the first two years since the month of applying for the loan;

2. The housing purchased by the loan applicant is self-occupied ordinary housing;

3. The loan applicant is the owner or owner of the purchased self-occupied house (the purchase contract is signed and sealed by the buyer);

4, a stable source of economic income and the ability to repay the principal and interest on time;

5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge;

6. Both husband and wife of the loan applicant shall not have outstanding provident fund loans.