1. To apply for a provident fund loan, the applicant must continuously deposit the provident fund for 12 months, and the deposit status of the provident fund is normal when applying for a provident fund loan (loans overdue for more than 1 month will not be accepted). The maximum loan amount of commercial housing shall not exceed 70% of the total house price, and the maximum loan amount of second-hand housing shall not exceed 60% of the deed tax unit price.
2. The formula for calculating the personal loan amount of the provident fund: (the amount paid in the current month × the total number of months from the current retirement age+the current balance of the provident fund account) × 2;
3. Legal retirement age: female 55 years old; Male 60 years old. The longest loan period is 25 years.
4. This formula is applicable to the direct calculation of users who buy first-hand real estate. For second-hand real estate, due to factors such as the evaluation price, transaction price and deed tax price of the house, the specific loan amount can only be answered after the provident fund center has reviewed the information.
5. At present, the maximum amount of housing provident fund varies from place to place, so it is necessary to consult the housing provident fund center where the house is purchased.