1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million;

2. The specific loanable amount is comprehensively determined according to the deposit of employee housing provident fund and the loanable amount standard of housing provident fund loans, the status and price of purchased housing, individual repayment ability and credit status;

3 workers housing provident fund loan amount is insufficient, you can apply for housing provident fund portfolio loans. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans;

4. The employee personal loan amount is calculated and determined by a certain multiple of the average monthly balance of the housing provident fund account, and the calculation formula is:

Employee personal loan amount = average monthly balance of employee housing provident fund account × multiple.

According to the regulations of Hangzhou Housing Provident Fund Management Center, the loan amount of Hangzhou Housing Provident Fund is as follows:

1. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. If employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 654.38+0 million.

2. The specific loanable amount is comprehensively determined according to the deposit of employee housing provident fund and the loanable amount standard of housing provident fund loans, the status and price of purchased housing, individual repayment ability and credit status.

3 workers housing provident fund loan amount is insufficient, you can apply for housing provident fund portfolio loans. The term, guarantee method and repayment method of commercial loans in portfolio loans should be consistent with provident fund loans.

4. The loanable amount of employee housing provident fund is calculated according to the average monthly balance of employee housing provident fund account when applying for housing provident fund loan, and the calculation result is rounded to the nearest thousand. If the calculation result is higher than 500,000 yuan, it shall be determined as 500,000 yuan, and if it is lower than 654.38 million yuan, it shall be determined as 654.38 million yuan. The average monthly balance of the employee housing provident fund account is the average monthly balance of the employee housing provident fund account for nearly 12 months (excluding one-time payment for nearly 12 months) when the employee applies for a loan. If it is less than 12 months, it shall be calculated according to the actual number of months.

What is the interest rate of provident fund loans?

1. According to the current policy, the basic provident fund loan for each household does not exceed 654.38+10,000 yuan or 15 times of the total storage amount of the account, and the supplementary provident fund loan for each household does not exceed 30,000 yuan or 2 times of the storage balance. For employees who have paid the provident fund at the same time, the maximum loan amount shall not exceed 6.5438+0.3 million yuan. And the maximum loan period is 30 years. The loan amount for purchasing second-hand houses or renovating or overhauling houses shall not exceed 50% of the total house price, and the longest term shall be 10 year. However, the loan term of the main lender shall not exceed the statutory retirement age of 5 years.

2. The loan amount is determined by the coefficient not higher than the repayment ability of the borrower (including the spouse), and the calculation formula is:

The sum of the monthly salary income of the borrower's husband and wife who have paid the housing provident fund ×1February× 35 %× loan period (if the borrower's spouse has not paid the housing provident fund normally, the monthly salary income in the formula does not include the spouse).

3. If only one of the borrower's husband and wife normally deposits the housing provident fund, the loan amount shall not exceed 50% of the purchase price and the total purchase price.

4. The specific loan amount of each borrower is determined by the loan bank and the fund management center of the Housing Reform Commission in accordance with the above provisions and in combination with the borrower's repayment ability.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 26 of the Regulations on the Management of Housing Provident Fund

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.