The provident fund loan limit is calculated based on the monthly provident fund deposit amount and the account balance. The maximum loan amount shall not exceed 10 times the balance of the housing provident fund account, and shall not exceed the maximum loan amount corresponding to the monthly payment amount.

1. The maximum amount of the first-time housing provident fund loan is:

1. If the total monthly payment of the couple is less than 1,600 yuan (inclusive), the maximum amount of the housing provident fund loan is 300,000 yuan Yuan, if one party’s monthly payment is less than 800 yuan (inclusive), the maximum housing provident fund loan amount is 200,000 yuan;

2. The total monthly payment and deposit of both spouses is more than 1,600 yuan, 2,800 yuan ( If one party’s monthly payment is more than 800 yuan and less than 1,400 yuan (inclusive), the maximum housing provident fund loan amount is 250,000 yuan;

3. If the total monthly payment and deposit of both spouses is more than 2,800 yuan, the maximum housing provident fund loan limit is 500,000 yuan. If the monthly payment and deposit of one party is more than 1,400 yuan, the maximum housing provident fund loan limit is 300,000 yuan.

The maximum amount of the second and second housing provident fund loans is:

1. If the total monthly payment of both spouses is less than 1,600 yuan (inclusive), the maximum amount of the housing provident fund loan is 20 If the monthly payment and deposit amount of one party is less than 800 yuan (inclusive), the maximum housing provident fund loan amount is 150,000 yuan;

2. The total monthly payment and deposit amount of both spouses is more than 1,600 yuan and 2,800 yuan. (inclusive), the maximum housing provident fund loan limit is 300,000 yuan; if one party’s monthly payment is more than 800 yuan and less than 1,400 yuan (inclusive), the maximum housing provident fund loan limit is 200,000 yuan;

3. If the total monthly payment and deposit of both spouses is more than 2,800 yuan, the maximum housing provident fund loan limit is 400,000 yuan. If the monthly payment and deposit of one party is more than 1,400 yuan, the maximum housing provident fund loan limit is 250,000 yuan.

The specific loan amount will also be determined based on the situation of the house purchased and the applicant's repayment ability.

Legal Basis

"Housing Provident Fund Regulations"

Article 26 Employees who have paid housing provident funds shall not purchase, construct, renovate or overhaul their own housing When purchasing housing, you can apply for a housing provident fund loan from the Housing Provident Fund Management Center. 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.