Loan currency and loanable amount:
The loanable amount of the provident fund loan is 12 times of the balance of the housing provident fund account of the applicant and the co-applicant, and meets the following requirements:
1. The monthly repayment amount of the loan (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are co-applicants and co-applicants who deposit the housing provident fund in this city, the deposit base of the housing provident fund shall be the sum of the deposit bases of the applicant and the co-applicant (parents may be co-applicants).
2. Not higher than the difference between the total purchase price and the down payment. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.
The down payment ratio of the first suite with an area of less than 90 square meters (including 90 square meters) purchased by employees shall not be less than 20% of the total purchase price; For the first set of housing with an area of more than 90 square meters, the down payment ratio shall not be less than 30% of the total purchase price, and the down payment ratio for the second set of housing shall not be less than 60% of the total purchase price. You can't apply for a provident fund loan to buy a third house. (The loans of portfolio lenders are handled according to the policies of commercial banks)
3. Not higher than the maximum amount of a single housing provident fund loan. For individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan. If the applicant and the co-applicant jointly apply and the co-applicant participates in the quota calculation, the maximum amount of a single housing provident fund loan is 900,000 yuan (if the spouse of the applicant fails to pay the provident fund or can only be used as a co-applicant for less than six months, the maximum amount of the loan is 500,000 yuan).
4. If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met (approved by the Center).
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