Legal subjectivity:

The calculation of provident fund loan limit must be determined based on four conditions: loan repayment ability, house price ratio, housing provident fund account balance and loan maximum limit. Four conditions The calculated minimum value is the maximum loan amount that the borrower can borrow. The calculation method is as follows: The loan amount calculated according to the loan repayment ability. How to make money by gold speculation? Expert free guidance for bank gold and silver TD account opening guide. Bank gold and silver simulated trading software. Collection of gold numbers. Desktop market quotation tool. The calculation formula is: [(Borrower’s total monthly salary. Borrower’s total monthly salary. Monthly deposit amount of the unit’s housing provident fund) × loan repayment ability coefficient - total monthly repayment of the borrower’s existing loan] × loan term (months). If the spouse's quota is used: [(the total monthly salary of both spouses + the monthly housing provident fund deposit amount of the employer where both spouses work) × loan repayment ability coefficient - the total monthly repayment of existing loans of both spouses] × loan term (months). Among them, the loan repayment ability coefficient is 40. Total monthly salary = monthly provident fund payment ÷ (unit contribution ratio + individual contribution ratio). The formula for calculating the loan amount calculated based on the house price is: loan amount = house price × loan percentage. The loan percentage is determined according to the different types of housing purchased, constructed and repaired and the number of housing loans: a. Purchase of commercial housing, limited-price commodity housing, targeted housing Resettlement of affordable housing, targeted sales of affordable housing or private property housing. Families of employees (including employees, spouses and minor children, the same below) take loans to purchase their first homes (including commercial housing, limited-price commercial housing, targeted resettlement affordable housing, targeted sales of affordable housing or private property housing), and the purchased house If the building area is less than 90 square meters (including 90 square meters), a down payment of no less than 20% of the purchase price of the house should be paid, and the loan limit shall not be higher than 80% of the purchase price of the house; the building area of ??the purchased house exceeds 90 square meters , a down payment of no less than 30% of the purchase price of the house should be paid, and the loan amount should not be higher than 70% of the purchase price of the house. If an employee family takes a loan to purchase a second home, they should pay a down payment of no less than 50% of the price of the purchased house, and the loan limit shall not be higher than 50% of the price of the purchased house. If employee families take out loans to purchase their third or more homes, the issuance of personal housing provident fund loans will be suspended. When purchasing a privately owned house, if the house price and the appraised price are inconsistent, the lower value of the two will be used to determine the amount. For purchasing affordable housing for targeted resettlement, the loan amount should not be higher than the difference between the total price of the house purchased and the housing compensation. b. If purchasing an existing public house, the loan amount shall not exceed 70% of the price of the purchased house; if constructing, renovating or overhauling a self-owned house, the loan amount shall not exceed 70% of the cost of building and repairing the house. If an employee applies for a housing provident fund loan with a loan amount calculated based on the balance of the housing provident fund account, the loan amount shall not be higher than the balance in the employee's housing provident fund account when applying for the loan (when applying for a provident fund loan using the spouse's housing provident fund at the same time, it is the sum of the balances in the employee's and spouse's housing provident fund accounts) 10 times of the housing provident fund account balance is less than 20,000, calculated as 20,000. The loan amount calculated based on the maximum loan limit. If you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan at the same time, the maximum loan limit is 600,000 yuan. If you use your own housing provident fund to apply for a housing provident fund loan, and you make normal deposits to supplement the housing provident fund when applying for the loan, the maximum loan limit is 500,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, and you or your spouse make normal deposits when applying for the loan To supplement the housing provident fund, the maximum loan limit is 700,000 yuan. If the employee or his/her spouse normally pays and deposits the monthly housing subsidy when applying for a loan, the regulations on the normal payment and deposit of the supplementary housing provident fund shall be followed. The calculated loan limit value is kept to the thousandth place, and the thousandth place value that is not zero below the thousandth place is increased by one. Legal objectivity:

Article 26 of the "Regulations on the Administration of Housing Provident Funds" Employees who have paid housing provident funds may apply for housing provident funds from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. loan.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures. The risks of housing provident fund loans are borne by the housing provident fund management center. Article 27 of the "Housing Provident Fund Management Regulations" Applicants applying for housing provident fund loans must provide guarantees.