Housing accumulation fund refers to the savings deposits of state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprises and social organizations and their employees. Husband and wife's provident fund can reach the maximum limit.

First of all, the central bank stipulates that if both husband and wife in the first suite pay the provident fund, the maximum amount is 800,000; 2. The maximum amount of provident fund is 600,000.

Two, the husband and wife housing provident fund deposit amount of the loan period from the date of application to the date of retirement.

Legal basis: Regulations on the Management of Housing Provident Fund

If the employee has one of the following circumstances, the balance in the account can be saved:

Purchase, construction, renovation and overhaul of owner-occupied housing;

(2) Retirement

(three) completely lose the ability to work, and terminate the labor relationship with the unit.

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

Rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatee can withdraw the surplus stored in the employee's housing provident fund account, and the surplus stored in the employee's housing provident fund account will be included in the value-added income of the housing provident fund.

If the storage balance in Article 25 is found, its subordinate unit shall verify and issue a withdrawal certificate.

The employee shall apply to the housing provident fund management center for withdrawal with the withdrawal certificate, and the management center shall accept the decision of withdrawal or not, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Both husband and wife have provident fund. How much can they borrow if they apply for a second loan?

Spread out completely

The family loan limit is 700,000 yuan, and the personal loan limit is 450,000 yuan.

Generally speaking, the amount of personal provident fund loans is 10-20 times the balance of provident fund accounts.

The calculation of specific provident fund loan amount should be determined according to four conditions: repayment ability, the percentage of provident fund loan to house price, the balance of housing provident fund account and the maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method is as follows:

Loan amount calculated according to repayment ability: (total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment of the borrower's existing loan × loan term (month). If the spouse's quota is used, (the total monthly salary of both husband and wife, the monthly contribution of the housing provident fund of both husband and wife's work units) × repayment ability coefficient-the total monthly repayment amount of the existing loans of both husband and wife × loan years (months). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);

Loan amount calculated according to house price: loan amount = house price × loan ratio. The loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage sets;

According to the loan amount calculated by 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 10 times of the balance of the housing provident fund account when the employee applies for a loan (at the same time, using the spouse housing provident fund to apply for a provident fund loan is the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;

According to the loan amount calculated by the maximum loan amount, if I use my housing provident fund to apply for a housing provident fund loan, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. If I use my housing provident fund to apply for a housing provident fund loan, and I pay the supplementary housing provident fund normally when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

Third, if the maximum amount can be reached, can the provident fund loans of both husband and wife be superimposed?

No, both husband and wife have purchased provident fund. If you apply in the name of both parties, it can only be said that it is slightly higher than the unilateral provident fund loan, but it is not the cumulative sum of the total loans of both parties.

Take Hefei provident fund management as an example: within the maximum loan amount, the specific loan amount of each borrower is calculated and determined according to the repayment ability coefficient of the borrower and the maximum loan amount of the housing provident fund. The calculation formula is as follows:

The sum of the monthly salary income of the borrower and his wife who have paid the housing provident fund ×1February× repayment ability coefficient× actual loanable years.

In the above formula, if the borrower is unmarried or his spouse fails to pay the housing provident fund normally, his monthly salary income is limited to the borrower unilaterally.

The maximum loan amount is 550,000 yuan if both the borrower and the spouse have paid the housing provident fund in full for more than six months; If the borrower unilaterally pays the housing provident fund according to the regulations, the maximum loan amount is 450,000 yuan.

Please refer to the policies and regulations of the local provident fund management center for details.

Fourth, the husband and wife provident fund can be loaned in installments.

Husband and wife housing provident fund loans can be loaned up to 2 times, and housing provident fund loans can only be loaned once at the same time. If one spouse applies for a housing provident fund loan, neither spouse can get a housing provident fund loan until the principal and interest of the loan are paid off. The requirements for housing provident fund loans are: 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. Those who participate in the housing provident fund system must apply for individual housing provident fund loans, and they must also meet the following conditions: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than six months. Because, if employees pay housing provident fund abnormally and intermittently, it means that their income is unstable and the loan will be delayed. 3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. 3. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund. 4. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same. The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans. Housing provident fund can not be paid, because the provident fund is mandatory, and every employee has the obligation to pay the corresponding proportion of the provident fund for employees after they join the job. After paying the provident fund for a period of time, employees can enjoy the preferential policies of low down payment and low interest rate when buying a house. Even if they don't buy a house, they can withdraw it when they leave their job or terminate their contract. Legal basis: "Regulations on the Management of Housing Provident Fund" Article 24 An employee may withdraw the storage balance in the employee's housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling a self-occupied house; 2 retired; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; Rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund. Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or not to withdraw, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.