How many times can housing provident fund be loaned?

1. If you apply for a personal housing provident fund loan at Bank of China in Shenzhen, the provident fund loan limit is 14 times the provident fund account balance, and must meet The following conditions:

1) The monthly loan repayment amount (based on equal amounts of principal and interest or equal amounts of principal) shall not exceed 50% of the applicant’s housing provident fund payment base. ***The payment base of the same applicant can be Accumulation;

2) The provident fund loan limit shall not be higher than the difference between the total purchase price and the down payment.

3) No higher than the maximum provident fund loan amount for a single house. If an individual employee applies for a provident fund loan, the maximum amount for a single house is 500,000 yuan. If the applicant and *** apply together, and *** and the applicant pay housing provident funds in this city, the maximum amount of provident fund loan for a single house will be 500,000 yuan. The maximum provident fund loan limit is 900,000 yuan.

4) If the applicant has not withdrawn the housing provident fund for more than three consecutive years before applying for a provident fund loan, the loan limit of the provident fund loan calculated based on the multiple of the housing provident fund account balance can be increased by 10%, but it cannot exceed the single loan. Maximum limit, monthly loan repayment ability, and the difference between the total purchase price and the down payment.

The final calculation of the loanable amount is subject to the system calculation.

2. Due to the differences in the policies and requirements of housing provident fund management centers in different regions for handling personal housing provident fund loans, you need to consult the provident fund loan business branch or the local provident fund management center for details.

The above content is for your reference, please refer to actual business regulations.

How many times can provident fund loans be borrowed

The multiples of provident fund loans are stipulated as follows:

1. Calculated based on account balance:

1. No More than 20 times the balance:

If it is used to purchase limited-price commercial housing, affordable housing, or a first-time home, the maximum borrowing limit is 20 times the account limit. If the balance is less than 20,000 yuan, the borrowing amount is 20,000 yuan. calculate.

2. No more than 10 times of the balance:

When using a loan to purchase a second home, purchase an existing public house, build, renovate or overhaul a self-owned house on rural collective land, the maximum You can borrow about 10 times the account balance.

2. Calculation based on price percentage:

1. No more than 80% of the price:

Purchase commercial housing, limited-price commercial housing, affordable housing or private housing At that time, the maximum loan you can borrow is about 80% of the house price.

2. No more than 70% of the house price:

When purchasing a second home, a self-owned house, a public-owned existing house, or building, renovating, or overhauling a self-owned house on rural collective land, you can Enjoy this quota.

Provident fund loans refer to loans enjoyed by employees who have paid housing provident funds. According to national regulations, all employees who have paid provident fund deposits can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.

Employees who have paid housing provident funds for a certain period of time or more in accordance with regulations (the period is different in each city, such as Changsha is more than 12 months) can apply if they have insufficient funds to purchase, build, renovate, or overhaul their own houses. Provident Fund Loans.

Provident fund loans refer to personal housing provident loans. They are local housing provident fund management centers. They use the housing provident funds paid by employees who apply for provident fund loans to entrust commercial banks to purchase, build, renovate, and overhaul self-occupied housing. House mortgage loans issued to housing provident fund depositors and retired employees who paid housing provident funds during their employment. Employees who have paid housing provident funds for a certain period of time or more according to regulations (the period in each city is different, such as more than 12 months in Changsha) can apply for provident fund loans when they have insufficient funds to purchase, build, renovate, or overhaul their own housing.

The conditions for the loan are: the unit’s current employees sign a labor contract for more than 3 years (or sign a 1-year labor contract for 3 consecutive years); pay the housing provident fund normally and continuously on a monthly basis for more than a certain period; do not exceed the legal limit Retirement age; the borrower has stable economic income and the ability to repay principal and interest; the borrower agrees to handle housing mortgage registration and insurance; provides a guarantee method agreed by the local housing fund management center and its affiliated center; and submits relevant documents required by the bank, such as House purchase contract or house pre-sale contract, house property ownership certificate, land use certificate, proof of provident fund deposit, etc.

How many times is the provident fund loan the balance?

Generally speaking, the amount of a personal provident fund loan is 10-20 times the provident fund account balance.

The calculation of the specific provident fund loan amount is determined based on four conditions: loan repayment ability, provident fund loan housing price ratio, housing provident fund account balance and loan maximum limit. The minimum value calculated from the four conditions is the borrower's Maximum loan amount available. The calculation method is as follows:

The loan amount calculated according to the loan repayment ability: (the total monthly salary of the borrower, the monthly housing provident fund payment amount of the borrower’s unit) × the loan repayment ability coefficient - the borrower’s existing monthly loan payment Total repayment × loan term (months). If the spouse's quota is used, (the total monthly salary of both spouses and the monthly housing provident fund deposit amount of the employer where both spouses work) × the loan repayment ability coefficient - the total monthly repayment of the existing loans of both spouses × the loan period (months). Among them, the loan repayment ability coefficient is 40%. Total monthly salary = monthly provident fund payment ÷ (unit payment ratio and individual payment ratio);

Loan amount calculated based on house price: Loan amount = house price × Loan percentage. The loan percentage is determined based on the different types of housing purchase, construction and repair and the number of housing loans;

The loan amount is calculated based on the balance of the housing provident fund account. If an employee applies for a housing provident fund loan, the loan amount shall not be higher than the loan applied for by the employee. 10 times the balance of the housing provident fund account at the time (the housing provident fund of the spouse is used to apply for a provident fund loan at the same time, which is the sum of the housing provident fund account balances of the employee and the spouse). If the housing provident fund account balance is less than 20,000, it is calculated as 20,000;

The loan amount is calculated based on the maximum loan limit. If you use your own housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 400,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, the maximum loan limit is 600,000 yuan. If you use your own housing provident fund to apply for a housing provident fund loan, and you make normal deposits to supplement the housing provident fund when applying for the loan, the maximum loan limit is 500,000 yuan; if you use your spouse's housing provident fund to apply for a housing provident fund loan, and you or your spouse make normal deposits when applying for the loan To supplement the housing provident fund, the maximum loan limit is 700,000 yuan.

How many times the housing provident fund loan can be borrowed as the balance?

The amount of a housing provident fund loan is generally 20 times the account balance. The specific regulations are as follows: 1. Apply for a provident fund loan to purchase limited-price commodity housing or For affordable housing, the loan amount shall not exceed 20 times the balance of the housing provident fund account. (At the same time, the spouse’s housing provident fund is used to apply for a provident fund loan, which is the sum of the balances of the employee’s and spouse’s housing provident fund accounts.) If the balance of the housing provident fund account is less than 20,000 yuan, the rate is 2 Calculated in 10,000 yuan. 2. If a provident fund loan is used to purchase the first self-owned house, the loan amount shall not be higher than 20 times the balance of the housing provident fund account when the employee applies for a provident fund loan. If the balance of the housing provident fund account is less than 20,000 yuan, it will be calculated as 20,000 yuan. Article 26 of the "Housing Provident Fund Management Regulations" Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes. 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.