The maximum loan limit for a single person to buy a house with Hangzhou Provident Fund is 500,000 yuan, and the maximum loan limit for employees and their spouses is 1 million yuan. The specific loan limit depends on the average salary and minimum salary of employees. Certainly. It is necessary to meet the conditions for demolition and resettlement, construction, renovation, and overhaul of self-occupied housing.

1. The amount of loans that Hangzhou Provident Fund can lend to buy a house: 1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If both employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 1 million. 2. The specific loan limit is determined based on factors such as the employee’s monthly deposit amount, house price, down payment ratio, and personal credit status. 3. The Provident Fund Center determines the average salary standard for on-the-job employees in urban units in Hangzhou last year and the minimum monthly salary standard for the year announced by the Municipal Bureau of Statistics, and implements the corresponding monthly payment and deposit standards for the provident fund loan limit starting from October every year.

2. What are the conditions for Hangzhou provident fund house purchase loans? Hangzhou provident fund house purchase loans require the following conditions: 1. The housing provident fund has been paid in full according to the relevant regulations, and the deposit period has been continuous for 6 months when applying for the loan. The above; 2. The house purchased is an ordinary self-occupied house in Hangzhou. It is necessary to have a house purchase and construction contract and relevant certification materials that comply with relevant laws, and agree to use the purchased or built house as loan security; 3. Purchase of commercial housing. The property purchased for sale has signed a cooperation agreement with the Hangzhou Housing Provident Fund Management Center; 4. Purchase of second-hand housing. The real estate agency must have registered with the Provident Fund Center; 5. Purchase of public housing. It must be approved by the housing reform department, and all house prices have been paid; 6. Demolition and resettlement. The ownership certificate of the resettlement house has been completed by the demolition unit, and the entire house price has been paid; 7. Construction, renovation, and overhaul of self-occupied housing. It should be state-owned land and have obtained a housing construction planning permit or department approval to build or repair housing; 8. Reminder that employees whose families own two or more houses or have unpaid housing provident fund loans cannot apply for housing. Provident Fund Loans.

3. Policies related to provident fund housing purchase in Hangzhou. The relevant policies for housing provident fund purchase in Hangzhou are as follows: 1. Employees who have paid housing provident fund in full for more than 6 months (inclusive) can apply for housing provident fund personal housing loans. 2. For those who have paid housing provident fund in another place and paid in the current place of deposit for less than 6 months, the payment time can be calculated based on the payment certificate issued by the housing provident fund management center of the original place of deposit. 3. Housing provident fund loans are intended for deposit-paying employees who purchase their first self-occupied house or a second improved ordinary self-occupied house. Housing provident fund personal housing loans are not allowed to households of deposit-paying employees who purchase their third or more homes. 4. All provinces, autonomous regions, and municipalities directly under the Central Government must realize the mutual recognition and transfer of housing provident fund deposits in different places, and promote the loan business in other places. That is, the payment certificate issued by the housing provident fund management center of the place where the employee can maintain his/her employment must be applied to the housing provident fund management center of the place where the employee is registered. Housing provident fund personal housing loan. 5. The housing provident fund personal housing loan guarantee is mainly based on the mortgage of the purchased house. Charges such as housing provident fund personal housing loan insurance, notarization, new home appraisal and mandatory institutional guarantees will be cancelled.