Conditions for loan of housing provident fund in Hainan Province: Any natural person with full capacity for civil conduct who still pays housing provident fund normally when buying, building, renovating or overhauling his own house can apply for personal housing provident fund loan. Borrowers who apply for personal housing provident fund loans should meet the following conditions at the same time: 1, have a stable occupation and income, and have the ability to discount credit. 4, the purchase of commercial housing and housing units to raise funds, should pay a down payment of not less than 40% of the total price of the purchased second-hand housing; Construction, renovation and overhaul of owner-occupied housing, self-raised funds shall not be less than 50% of the cost of construction and overhaul of housing. 5. Agree to guarantee according to the guarantee method approved by the Center. 6. Before the borrower pays off the housing provident fund loan, the borrower and its housing provident fund loan.

2. Pay 1500 every month. How much can Hainan's provident fund borrow?

If we pay 1500 yuan's provident fund, after one year, the balance of the provident fund account is121500 = 18,000 yuan, and we can borrow 10 to 20 times the balance of the provident fund, which means that the minimum loan can be18. Provident fund loans are limited in amount. We can borrow as much as we don't want. We need to go to the provident fund management center and need staff to help us calculate.

Three, Hainan province provident fund loan policy

According to the regulations of the Housing Provident Fund Management Center, the purchase of newly-built self-occupied housing: for families where both husband and wife have paid housing provident fund in our province, the maximum loan amount is 1 10,000 yuan; If the borrower only deposits unilaterally in our province, the maximum loan amount is 700,000 yuan. Purchase of second-hand self-occupied housing: for families where both husband and wife of the borrower have paid housing provident fund in our province, the maximum loan amount is 700,000 yuan; If the borrower only deposits unilaterally in our province, the maximum loan amount is 400,000 yuan. Construction (renovation) of self-occupied housing: for families where both husband and wife of the borrower have paid housing provident fund in our province, the maximum loan amount is 400,000 yuan; If the borrower only deposits unilaterally in our province, the maximum loan amount is 200,000 yuan. Overhaul of self-occupied housing: for families where both husband and wife of the borrower have paid housing provident fund in our province, the maximum loan amount is 200,000 yuan; If the borrower only deposits unilaterally in our province, the maximum loan amount is 654.38+10,000 yuan. Employees who have paid housing provident fund outside the province buy houses in this province: if the borrower and his wife or borrower only pay housing provident fund unilaterally outside the province, they will apply for housing provident fund loans when they buy newly-built or second-hand self-occupied houses in our province (hereinafter referred to as off-site loans, and the maximum loan amount shall be implemented with reference to 60% of the maximum loan amount standard mentioned above). Business-to-loan: Borrowers who deposit housing provident fund in our province can purchase new self-occupied housing with reference to the maximum loan amount; Borrowers who deposit housing provident fund outside the province shall refer to the maximum amount of loans in different places. At the same time, the business transfer amount shall not exceed the original business balance (1) to buy a new self-occupied house: for families where both the borrower and his wife have paid the housing provident fund in our province, the maximum loan amount is 6,543,800 yuan; If the borrower only deposits unilaterally in our province, the maximum loan amount is 700,000 yuan. (2) Purchase of second-hand self-occupied housing: The maximum loan amount is 700,000 yuan for families where both the borrower and the husband have paid the housing provident fund in our province; If the borrower only deposits unilaterally in our province, the maximum loan amount is 400,000 yuan. (3) Construction (renovation) of self-occupied housing: for families where both the borrower and his wife have paid housing provident fund in our province, the maximum loan amount is 400,000 yuan; If the borrower only deposits unilaterally in our province, the maximum loan amount is 200,000 yuan. (4) Overhaul of owner-occupied housing: for families whose borrowers and husbands have paid housing provident fund in our province, the maximum loan amount is 200,000 yuan; If the borrower only deposits unilaterally in our province, the maximum loan amount is 654.38+10,000 yuan. (V) Employees who have paid housing provident fund outside the province purchase housing in this province: if the borrower and his wife or borrower only pay housing provident fund unilaterally outside the province, they shall apply for the use of housing provident fund loans in our province (hereinafter referred to as off-site loans, and the maximum loan amount is 60% of the maximum loan amount standard of the above-mentioned corresponding loan types. (6) Commercial-to-public loans: Borrowers who have paid housing provident fund in our province can purchase newly-built self-occupied housing with reference to the maximum loan amount; Borrowers who deposit housing provident fund outside the province shall refer to the maximum amount of loans in different places. At the same time, the amount of business-to-business loans shall not exceed the original balance of business-to-business loans. Note: As mentioned above, one of the borrower's husband and wife or the only borrower has continuously paid the housing provident fund in full for 6 months or more.

4. What is the policy of Hainan provident fund loan second suite?

Hainan's provident fund loan policy does not distinguish between the first, second and third purchases. As long as the previous provident fund loan is settled, applying for provident fund loan again will implement the same policy as the first loan. The minimum down payment for commercial houses and units to raise funds for building houses is 20%, and the loan interest rate is subject to the regulations of the People's Bank of China. Haikou City, Sanya City, commercial housing and units to raise funds to build a house each loan amount does not exceed 500 thousand yuan, other cities and counties do not exceed 300 thousand yuan; The maximum amount of second-hand housing loans is 300,000.