Guangzhou personal provident fund loan is up to 600,000 yuan. The personal loan amount of housing provident fund shall be the lowest of the following three items: (1) the loan amount calculated according to the amount of personal housing provident fund deposit. The calculation formula is: (balance of provident fund account, monthly contribution of provident fund ×2× statutory retirement months) ×2 (2) maximum loan limit. If one person applies for a housing provident fund loan, the maximum loan amount is 600,000 yuan; If two or more people purchase the same house and apply for housing provident fund loans, the maximum loan amount is 6,543,800 yuan. (3) The loan amount calculated according to the house price. The calculation formula is: house price × loan ratio, in which the loan ratio is determined according to the number of houses purchased by the family and the construction area of the houses purchased. For families (including borrowers, spouses and minor children, the same below) who purchase the first home and whose construction area in Xing Tao is less than 90 square meters (including 90 square meters) or purchase affordable housing according to regulations, the loan amount shall not exceed 80% of the purchased housing price; For families who purchase the first home and have a building area of more than 90 square meters in Xing Tao, the loan amount shall not exceed 70% of the purchased house price; For families who buy a second home, the loan amount shall not exceed 40% of the purchased house price, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the same grade in the same period. Suspension of the issuance of housing provident fund loans to employees' families for the purchase of third and above houses. The characteristics of housing accumulation fund (1) are universal. Urban workers, regardless of the nature of the work unit, family income, whether there is housing, must pay the housing provident fund in accordance with the provisions of the Regulations; (2) Mandatory (policy-oriented). If the unit fails to register the deposit of housing provident fund or fails to set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. If no correction is made within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people for compulsory execution; (3) Welfare, in addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans; (4) Repayment: If the employee retires, resigns, or completely loses the ability to work and terminates the labor relationship with the unit, or the household registration moves out and settles abroad, the paid housing provident fund will be returned to the individual employee. According to the law, employees who have paid the housing provident fund in accordance with Article 26 of the Regulations on the Management of Housing Provident Fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Second, how much can personal loans bring?

How much personal loans can be classified.

1. Personal housing loan: The single loan of personal housing commercial loan does not exceed 80% of the total house price, and the longest loan period is 30 years. The specific amount is determined according to the borrower's monthly repayment ability. According to different banks, the loan amount is different, and the requirements of the lending bank shall prevail.

2. Personal housing provident fund loan: First of all, the provident fund loan policy is that most cities in China have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of personal housing provident fund loans in Guangzhou is 500,000 yuan; Secondly, the maximum amount of housing provident fund loans does not exceed 70% of the total purchase price.

3. Personal housing portfolio loan: the sum of provident fund personal housing loan and bank-owned housing loan is up to 80% of the sales price or evaluation value of the purchased house (whichever is lower), and the maximum amount of provident fund personal housing loan shall be implemented in accordance with the relevant regulations of the local housing fund management department.

4. Personal automobile consumption loan: The maximum loan amount generally does not exceed 80% of the purchased automobile price.

5. Personal durable consumer goods loan: the starting point of the loan is not less than RMB 3,000 (including RMB 3,000), and the maximum loan amount is not more than RMB 50,000 (including RMB 50,000). In which: if secured by mortgage, the loan amount shall not exceed 70% of the assessed value of collateral; At the time of pledge, the loan amount shall not exceed 90% of the face value of the pledged right; If credit or third-party guarantee is adopted, it shall be determined according to the credit rating of the borrower or guarantor.

6. Personal consumption loan: The maximum loan amount is 500,000 yuan, with the price of purchased consumer goods or services as the upper limit, and the corresponding loan guarantee is provided.

7. Personal micro-credit loan: Based on personal credit and repayment ability, the amount will generally not exceed 65,438+0-200,000. How much personal loans can be borrowed is not a specific figure, nor is it an upper limit. According to different types of personal loans, the amount of personal loans can be different.

Third, personal loans in Guangzhou.

Or they may not be able to do 300 thousand. I borrowed them all. . . . . .

4. What is the maximum amount of personal provident fund loan in Guangzhou?

Guangzhou personal provident fund loan is up to 600,000 yuan.

The personal loan amount of housing provident fund is as follows

(1) Housing accumulation fund paid by individuals

The calculation formula is: (balance of provident fund account, monthly contribution of provident fund ×2× statutory retirement months) ×2.

(2) Maximum loan amount.

If one person applies for a housing provident fund loan, the maximum loan amount is 600,000 yuan; If two or more people purchase the same house and apply for housing provident fund loans, the maximum loan amount is 6,543,800 yuan.

(3) The loan amount calculated according to the house price.

The calculation formula is:

Among them, the loan ratio is determined according to the number of family buyers and the construction area of the houses purchased. 80% of the purchase price of the first home for spouses and minor children with a construction area of less than 90 square meters (including 90 square meters) or economically applicable according to regulations; For families who purchase the first home with 9-7 sets of houses, the loan amount shall not exceed 40% of the house price, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the same grade in the same period.

Suspend more than one set of housing provident fund loans.

The characteristics of housing accumulation fund (1) are universal. Urban workers, regardless of the nature of the work unit, family income, whether there is housing, must pay the housing provident fund in accordance with the provisions of the Regulations;

(2) Mandatory (policy). If the unit does not set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to be enforced within a time limit according to the provisions of the Regulations;

(3) Welfare, in addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of merchants.

(4) Return: employees retire, the unit terminates labor relations, and the registered permanent residence moves out or settles abroad. The paid housing provident fund will be returned to individual employees.

legal ground

Regulations on the administration of housing provident fund

Twenty-sixth workers who have paid housing provident fund can apply for the management of housing provident fund when they buy, build, renovate or overhaul their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.