Using the housing provident fund can be used to apply for loans, but various places have strict restrictions on the loan amount applied for with the housing provident fund. There are usually many factors that affect the provident fund loan limit, including the maximum limit, loan percentage, provident fund account balance and other factors. So what is the Chongqing provident fund loan limit? Let’s find out together.

What is the provident fund loan limit in Chongqing?

The housing provident fund loan limit is affected by the provident fund’s maximum loan limit, loan ratio, and provident fund account balance. According to regulations, the maximum limit for provident fund loans in Chongqing is 400,000 yuan for individuals, and the maximum limit for spouses after participating in the loan is 600,000 yuan; when applying for a housing loan, the applicant must have a down payment of 30% of the total house price, which means that the provident fund loan The amount shall not exceed 70% of the total house payment; when actually applying for a housing provident fund loan, the couple's loan limit shall be 25 times the balance of the housing provident fund account. In addition, the loan amount will also be affected by the applicant's income. Generally, the monthly payment cannot exceed 50% of the family income.

In general, when applying for a Chongqing housing provident fund loan, the loan amount applied for must be within the range specified above.

The above is an introduction to the Chongqing provident fund loan limit. I hope it can be helpful.