(1) 10 times of the balance of the borrower's housing provident fund deposit (based on the data of 12 the night before the application for provident fund loan). If the borrower's spouse meets the conditions of provident fund loan, the balance of housing provident fund deposit shall be calculated together.
(2) Total house price ×( 1- specified loan down payment ratio)
1. If the employee's family applies for the first provident fund loan, and the construction area of Xing Tao (hereinafter referred to as the area) is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20% of the total house price; If the area is more than 90 square meters, the down payment ratio of the loan shall not be less than 30% of the total house price.
2. The down payment ratio of the second provident fund loan shall not be less than 50% of the total house price.
From July 20 17 1 7, all housing provident fund management centers across the country will handle the transfer and connection of housing provident fund in different places through the platform according to the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development. All housing provident fund management centers in China will be "networked" and handle the transfer and connection of housing provident fund in different places through a unified platform.
Extended data feature
(1) universality, urban workers must pay the housing provident fund in accordance with the provisions of the Regulations, regardless of the nature of their work units, family income level and whether they have housing;
(2) Mandatory (policy). If the unit fails to register the deposit of housing provident fund or fails to set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. If no correction is made within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people's court for compulsory execution;
(3) Welfare, in addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans.
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