The maximum amount of personal housing loan for housing provident fund is 400,000 yuan, and the personal loanable amount is 25 times of the balance of housing provident fund account;

Where husband and wife jointly participate in loans, the amount of loans granted to employees and their spouses shall be calculated as the amount of personal loans, and the total amount of individual housing loans for a single housing provident fund shall not exceed 2 times the maximum amount of individuals.

Percentage of loans for grandchildren (2)

If the employee's family deposits the employee to purchase the first set of housing, the maximum loan ratio of the housing provident fund personal housing loan is 80% of the value of the purchased housing;

If the employee's family pays the employee to buy a second house, the maximum loan ratio of the housing provident fund personal housing loan is 60% of the value of the purchased house.

(3) Other quota provisions

1. When an employee's family purchases the first second-hand house, the maximum loan amount is 80% of the lower of the appraised value of the purchased second-hand house and the transaction amount filed by the real estate registration agency;

The employee's family pays for the second set of second-hand houses, and the maximum loanable amount is 60% of the lower of the appraised value of the purchased second-hand houses and the transaction amount filed by the real estate registration agency;

The amount of the first-hand housing replacement loan shall not exceed the remaining principal balance of the original loan at the time of application; Second-hand housing replacement loans should comply with the provisions of the first-hand housing replacement loans and second-hand housing mortgage loans.

2. The monthly debt paid to the employee's family shall not exceed 50% of the family's monthly income.