1, depending on whether you have used provident fund loans. Those who have not used provident fund loans shall be executed as one set. I. If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse pay the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 700,000 yuan. 2. The amount of the first home loan shall not exceed 70% of the total price of the purchased house, the amount of the second home loan shall not exceed 50% of the total price of the purchased house, and the amount of the finely decorated house loan shall not exceed 60% of the total price of the purchased house. Three, the loan amount is not higher than the amount determined according to the deposit time of the provident fund and the balance of the deposit account. If the spouse's provident fund deposit is abnormal, it will not be included in the spouse's provident fund. Loan amount = (balance of the borrower's provident fund deposit account+balance of the spouse's provident fund deposit account) × multiple (15 times )× deposit time coefficient is as follows: the borrower's deposit time coefficient is 6 months (inclusive) ≤ deposit time ≤36 months 1 .24. Apply for a housing provident fund loan of more than 500,000 yuan. (2) continuous full deposit of housing provident fund for more than 24 months; (3) Carry out special pre-approval step by step according to procedures. 5. In principle, the monthly repayment of loan principal and interest shall not exceed 50% of the sum of the deposit bases of the borrower and spouse's provident fund (deposit base = monthly deposit amount/deposit ratio), and the excess shall be pre-approved step by step according to the procedure. If the spouse fails to pay the provident fund or the provident fund deposit is abnormal, proof of income is required, and a bank statement or tax payment certificate that can prove effective income is issued. Six, the provident fund deposit account must be a normal deposit account. (1) For new employees who have paid the housing provident fund, the individual housing provident fund deposit account has been paid in full for more than 6 months (inclusive) continuously every month, and the deposit account is in a normal state; Due to the transfer of housing provident fund account, the payment is suspended for more than 2 months, which is regarded as an abnormal deposit account. (2) Employees who have paid the housing provident fund for more than 6 months (inclusive) shall calculate the payment time according to the actual payment months, and determine the corresponding payment time coefficient and loan amount; (3) From the date of loan application, the amount paid within 12 months does not participate in the calculation of loan amount.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.