The loan amount of Shenzhen provident fund is 14 times of the balance of the provident fund account in which the loanable amount is calculated. In addition, the conditions must be met at the same time: the total monthly repayment of loan principal and interest (calculated by equal principal and interest) does not exceed 50% of the applicant's housing provident fund deposit base, and the * * * participating in the calculation of loan amount can be accumulated with the applicant's deposit base; The loan amount of housing provident fund is not higher than the difference between the total purchase price and the down payment; Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan; The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan.

Shenzhen provident fund loan conditions

1. The applicant and the applicant who calculated the loanable amount have continuously paid the provident fund in full and on time in this city or other places in the first six months of the month of application, and they are in a normal payment state at the time of application. The deposit time of provident fund in this city and other places can be calculated together;

2. The applicant and his family (including husband and wife and minor children, the same below) have no housing provident fund loans or have paid off housing provident fund loans in this city;

3. The applicant and the respondent have the ability to repay the loan principal and interest, and their credit status is good;

4. The applicant has paid the down payment for the house purchase as required;

5. The applicant agrees to provide a guarantee that meets the requirements of provident fund loans;

6. The loan application meets the requirements of national, provincial and municipal real estate market management policies. In case of policy adjustment in the process of loan handling, the time when the housing provident fund loan is accepted by the provident fund center shall prevail, and it shall be handled in accordance with the principle of "old methods for the elderly and new methods for the newcomers". But the national, provincial and municipal real estate market management policies have been clearly defined, from its provisions.

7. Meet other conditions stipulated by the provident fund management committee.

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How much can Shenzhen housing provident fund individuals borrow?

If you need to apply for individual housing provident fund loans in Shenzhen, the maximum amount of a single housing provident fund loan is 500,000 yuan. The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan.

Down payment ratio: if the employee's family pays the housing provident fund loan to purchase the first suite of ordinary self-occupied housing, the down payment ratio is 30%; The housing provident fund that owns 1 house and has settled the housing provident fund loan is paid to the employee's family, with the purpose of improving the living conditions, and the down payment ratio is 70%. Buying three suites does not accept provident fund loan applications.

For details, please consult the local branch of Bank of China or the provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

What is the loan amount of Shenzhen provident fund?

The loan amount of Shenzhen housing provident fund is generally 14 times of the lender's provident fund account balance. The maximum amount of provident fund loans for individual employees to apply for a single set of housing is 500 thousand yuan; The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan. To apply for a provident fund loan in Shenzhen, the lender is required to repay the loan principal and interest at the same amount every month, and the total deposit base of the applicant and the applicant's housing provident fund shall not exceed 50%, and the loan amount of the housing provident fund shall not be higher than the difference between the total purchase price and the down payment.

If the applicant or the same applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loan amount calculated according to the balance of each person's provident fund account may be increased by 10%, but other conditions stipulated in the preceding paragraph shall be met.

What is the upper limit of Shenzhen housing provident fund loan amount?

1. To apply for individual housing provident fund loans in China Bank, the amount of provident fund loans is 14 times the balance of the provident fund account, and the following conditions must be met:

(1) The monthly repayment amount (calculated by equal principal and interest or average principal) does not exceed 50% of the applicant's housing provident fund deposit base, which can be accumulated with the applicant's deposit base for * * * times;

(2) The amount of the provident fund loan is not higher than the difference between the total purchase price and the down payment.

(3) Not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city.

(4) If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loanable amount of the housing provident fund loan calculated by the multiple of the balance of the housing provident fund account may be increased by 10%, but it shall not exceed the maximum amount of a single loan, the monthly repayment ability, and the difference between the total purchase price and the down payment.

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

2. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

What is the loan amount of Shenzhen provident fund?

Legal analysis: the maximum loan amount does not exceed 600,000 yuan. Loan amount: monthly deposit amount of housing provident fund × 12× future balance of individual account of housing provident fund )× 2 If the loan amount is less than 300,000 yuan, the maximum loan amount of housing provident fund shall be approved at 300,000 yuan on the premise of sufficient repayment ability of individuals. The loan amount of housing provident fund is generally determined by the applicant's (and his spouse's) housing provident fund deposit amount, deposit ratio, deposit time, purchase amount, loan term, repayment ability and other factors, and the actual loanable amount is subject to the final approved amount of the management office. Most cities have stipulated the maximum amount of a single housing provident fund loan, which generally does not exceed 80% of the total housing price.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-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; (six) the 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 shall be included in the value-added income of the housing provident fund.

How much can Shenzhen provident fund loan borrow?

The policies in each region are different, so the loan amount is different. Consult the local provident fund center for details.

If it is a Shenzhen housing provident fund loan. The loanable amount of the provident fund loan is 12 times of the balance of all applicants' housing provident fund accounts participating in the quota calculation, and the following requirements are met: the monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the applicant's housing provident fund deposit base. The loan amount is not higher than the difference between the total purchase price and the down payment. The loan amount is not higher than the maximum amount of a single housing provident fund loan. The applicant has not withdrawn the housing provident fund for more than three consecutive years before applying for the provident fund loan.

Provident fund is the fee paid by the employer to the employees of the company. Mainly used for employees to buy or rent a house. If you don't buy a house, you can withdraw cash, which is always very convenient. When we buy a house, when we use the provident fund to buy a house, not only can we not deduct it, but the amount of our loan is still relatively high. Of course, the amount of provident fund loans should be implemented in accordance with the announcement issued by the local provident fund center. There is no rule that we can borrow as much as we want. However, people with provident fund have less repayment pressure and less pressure to buy a house than those without provident fund, which can be assured.

In addition, our newly graduated students don't have much money, but they have to rent their own houses, live and buy things to eat, so most of them ask their parents for money, but renting a house takes up most of the money in our lives, so if the company pays us the provident fund, even if we rent a house, we can use the money in the provident fund account to deduct it, which can alleviate the life pressure of our newly graduated college students.

The introduction of Shenzhen provident fund loan quota and the inquiry of Shenzhen provident fund loan quota are over. I wonder if you found the information you need from it?