1. The maximum loan limit of Nanjing Provident Fund is 600,000.

The maximum loan amount is 300,000 yuan/person and 600,000 yuan/household.

Two. Principles for determining the loan amount and term:

A single provident fund loan is based on husband and wife, and the loan amount is the lowest of the following three items:

(1) The loan limit is determined according to the borrower's repayment ability. The calculation formula is: the monthly deposit of the borrower's housing provident fund/the ratio of the borrower's housing provident fund × the individual repayment ability coefficient × 12 (month )× the actual loanable period. * * * For the same loan, the loan amount is the sum of the loan amounts calculated by the borrower and the spouse respectively.

(two) the loan limit is determined according to the proportion of the loan amount to the total house price.

(3) the prescribed maximum loan amount.

The term of the provident fund loan is in years, and the sum of the borrower's loan application period and the actual age at the time of applying for the loan shall not exceed the statutory retirement age in principle.

Borrowers who have continuously paid the provident fund in full for more than 5 years, have stable income, good reputation and the ability to repay the principal and interest of the loan may extend the loan term by 1 to 5 years.

The longest loan period shall not exceed 30 years.

The loan interest rate is subject to the provident fund loan interest rate stipulated by the People's Bank of China.