1. The maximum loan amount of individual housing provident fund is 300,000 yuan. If both husband and wife pay the provident fund, the maximum loan can be 400 thousand yuan;
2. The monthly repayment amount of the lender shall not exceed 50% of the family's monthly income;
3. The new house shall not exceed 70% of the total price of the house purchased;
4. The deed tax levied on second-hand houses shall not exceed 70% of the taxable amount;
5. The demolition and repair of the demolished house shall be the down payment, and the loan amount shall not exceed 70% of the total house price;
6, since the housing loan does not exceed 50% of the market value;
7. The maximum loan amount for house decoration is 6,543,800 yuan+0.5 million yuan.
The personal loan amount of Fuyang housing provident fund needs to be calculated according to three conditions: the multiple of the storage balance of Fuyang housing provident fund account, the maximum loan amount and the loan ratio. The minimum value calculated according to these three conditions is the maximum loanable amount of the borrower, as follows:
1. The formula for calculating the maximum loanable amount according to the balance of Fuyang housing provident fund account is: (balance of provident fund account+monthly contribution of provident fund ×2× statutory retirement months )× 2.
2. The loanable amount calculated according to the loan ratio of Fuyang: for those who buy the first house in Fuyang with a construction area of 90 square meters (including 90 square meters), or for families who buy affordable housing in Fuyang according to regulations (including borrowers, spouses and minor children, the same below), the down payment ratio shall not be less than 20%; For families who purchase the first home and have a building area of 90 square meters or more, the down payment ratio is not less than 30%; For families who buy a second house in Fuyang, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the same grade in the same period.