According to the national regulations and policies, the borrower has paid the provident fund for one year (uninterrupted), and the individual can apply for a maximum loan amount of 400,000 yuan. If there is a supplementary provident fund, individuals can apply for a loan amount of up to 500,000 yuan. If it is a husband-and-wife loan, you can apply for a maximum loan amount of 600,000, and one of them has a supplementary provident fund with a maximum loan amount of 700,000.

2. How to calculate the loan amount of 2.Xi 'an housing provident fund?

Hello, if you need to handle our loan business, please know the following information about the provident fund loan of Xi 'an Sub-branch:

Loan amount:

1. Purchase ordinary commodity housing, affordable housing, employee housing, second-hand housing and other housing eligible for provident fund loans, regardless of the size, the loan amount shall not exceed 70% of the total price of the purchased housing; (At present, our bank does not accept the second-hand housing provident fund loan business)

2 for the purchase of hardcover houses or houses that are obviously higher than the average market price, the loan amount shall not exceed 60% of the total price of the purchased houses;

3. If securities are used, the loan amount shall not exceed 90% of the face value of securities (RMB); () 80% of the face value.

4 construction, renovation and overhaul of owner-occupied housing, the loan amount does not exceed 60% of the cost of construction, renovation and overhaul of housing. (At present, Shaanxi Province and xi 'an Provident Fund Center will not accept this business for the time being)

5. The maximum loan amount of 5.Xi 'an's housing provident fund is 700,000 yuan, but all loans exceeding 400,000 yuan need special approval, and customers need to provide more credit certificates. The approval authority of the provident fund office is higher (signed by the director), which may delay for a longer time.

6. It shall not exceed 70% of the total purchase price of the house.

Conditions of the applicant:

Where the unit has established a housing provident fund system, individuals have paid the housing provident fund in full for more than half a year, and employees with full capacity for civil conduct can purchase self-occupied housing, they can apply for personal housing provident fund loans. The details are as follows:

1. has legal and valid identification;

2. Have stable professional and economic income, good credit, and be able to repay the loan principal and interest on time;

3 units and individuals can pay the housing provident fund in full and on time (generally, it is required to pay it normally for more than one year or the unit has established the housing provident fund system for more than two years);

4. Buy all the owner-occupied houses with property rights and pay a down payment of not less than the specified proportion;

5. Agree to guarantee according to the guarantee method recognized by the provident fund center and the entrusted bank;

6. Other conditions stipulated by laws, regulations and rules.

If you have any other questions, please visit "Online Customer Service" (website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!

3. How much can I borrow from the provident fund just after one year?

Now the housing provident fund system can benefit more and more users, and many people who just work will give priority to welfare such as provident fund when choosing employment companies. Everyone will have some doubts when handling the withdrawal of provident fund deposits and loans. A friend asked, how much can I borrow from the provident fund just after one year? It's enough to read this article!

How much provident fund can I borrow just one year? According to the national regulations and policies, the borrower has paid the provident fund for one year (uninterrupted), and the individual can apply for a maximum loan amount of 400,000 yuan. If there is a supplementary provident fund, individuals can apply for a loan amount of up to 500,000 yuan. If it is a husband-and-wife loan, you can apply for a maximum loan amount of 600,000, and one of them has a supplementary provident fund with a maximum loan amount of 700,000. Of course, the maximum loan amount does not mean that users will be able to apply for these quotas. Formula for calculating the loan amount of provident fund: {monthly contribution of provident fund/(individual contribution ratio) monthly contribution of provident fund /240%- repayment in other months} loan period. If the borrower really doesn't know how to calculate the loan amount of his provident fund, he can also go directly to the personal housing provident fund loan center, find the staff, tell him the conditions, and then consult how much amount he can apply for. In addition, I need to remind you that if you have plans to buy a second suite, it is recommended that the first suite should not apply for a provident fund loan. Because many areas have certain preferential policies and support for the first home loan application, the interest rate and loan amount of the second home loan are much lower than those of the first home. Therefore, it is more cost-effective to apply for a provident fund loan for the second suite. The above is the related content sharing of "How much can the provident fund borrow in just one year", and I hope it will help everyone!

4. How much can I borrow from the 4000 yuan provident fund in Xi 'an City, Shaanxi Province?

Provident fund loans do not depend on how much provident fund you have paid. If you want to buy a house in Xi, you must meet the conditions of provident fund loan. 1. Provident fund is paid to Xi Provident Fund Management Center. It's been almost a year. 3. The monthly payment is not less than 100 yuan. If these conditions are met, the provident fund loan can be made.