Now that house prices are rising, many young couples of wage earners mostly choose loans to buy houses. However, it is more complicated for couples to use provident fund loans to buy houses than commercial loans. And many couples don't know how much their provident fund can carry. I. Calculation of the loan amount of husband and wife provident fund When applying for provident fund loans for the first time, the loanable amount is the sum of the personal account balances of the borrowers (including those who participate in the calculation of loanable amount) × 10 (times). If you apply for provident fund loan for the second time, the loanable amount is the sum of the personal account balances of the borrower (including those who participate in the calculation of loanable amount and the borrower) ×6 (times) (if the sum of personal account balances is less than 654.38+00000 yuan, it will be calculated as 654.38+00000 yuan, and low-and middle-income families with housing difficulties will purchase affordable housing. The maximum increase in the loanable amount is not more than 30,000 yuan.) Second, the basic conditions for housing provident fund loans 1. The borrower and the borrower who participated in the calculation of the loanable amount have paid the housing provident fund in full and on schedule for more than 6 months (inclusive) before the application date, and the personal housing provident fund account (hereinafter referred to as personal account) is in a normal state of payment at the time of application. 2. No provident fund loan balance. 3. Apply for provident fund loans for the first time or for the second time. 4. Purchase, build, rebuild and overhaul owner-occupied housing in Suzhou. The purchase of owner-occupied housing mentioned in this item includes ordinary houses, townhouses (houses) and serviced apartments (70-year property rights). 5. The down payment for house purchase shall not be less than the specified proportion. 6. Be able to implement loan guarantee. Three. The loan term of the provident fund loan is in years, and the sum of the loan term and the borrower's age at the time of applying for the loan shall not exceed his legal retirement age. At the same time, it should also meet the following requirements: (1) The longest loan period for new housing should not exceed 30 years. (2) The loan period of the existing complete housing, housing construction and housing decoration shall not exceed 20 years at the longest, and the loan period of the existing complete housing shall not exceed the remaining service life of the purchased housing. In the process of buying a house, many signing processes are involved, such as signing a sales contract, handling a mortgage, and transferring transactions, all of which require both husband and wife to be present at the same time. Under normal circumstances, when * * * buys a house, the names of two people should be stated on the real estate license, so both parties should be present in person; If one party cannot handle it on the spot, it must go through the notarization authorization procedures.

Legal objectivity:

Measures of Yangzhou Municipality on the Administration of Housing Provident Fund Loans

Article 16

The loan amount is determined in accordance with the following provisions:

(a) does not exceed the maximum amount determined by the Municipal Provident Fund Management Committee;

(two) shall not be higher than the loan amount determined according to the repayment ability of employees and spouses;

The monthly repayment amount generally does not exceed 50% of the income of the borrower or family;

(3) It shall not be higher than the loan amount comprehensively determined according to the deposit time and deposit balance of employee and spouse housing provident fund;

(four) the purchase of owner-occupied housing, loans, withdrawals and down payment shall not exceed the actual total price of housing;

For the construction, renovation and overhaul of owner-occupied housing, the total loan shall not exceed 50% of the actual expenditure;

Resettlement housing loans, according to the actual price of resettlement housing minus the relocation compensation to calculate the total price of resettlement housing;

(5) If a house is purchased (built) by a multi-person joint venture, the loanable amount shall be calculated according to its share of property rights;

(six) if only one employee and spouse has paid the housing provident fund, the loan amount shall not exceed 60% of the maximum amount determined by the Municipal Provident Fund Management Committee;

If the employee's spouse is an active serviceman, the loan amount can be determined as a dual employee deposit.