Two, employees apply for the use of housing provident fund personal housing loans to buy self-occupied housing does not exceed 90 square meters (inclusive), the minimum down payment ratio is 20%; If it exceeds 90 square meters and does not exceed 144 square meters (inclusive), the minimum down payment ratio is 30%; If it exceeds 144 square meters, the minimum down payment ratio is 40%.
At the same time, it must also meet the minimum down payment ratio related to the number of individual housing loans used by employees and the age of existing housing.
Three, employees in co-borrower to apply for housing provident fund new commodity housing loans, the maximum amount of a single loan is 800 thousand yuan; No co-borrower, it's 500,000 yuan.
Apply for housing provident fund stock housing loan in co-borrower, and the maximum amount of a single loan is 600,000 yuan; No co-borrower, it's 400,000 yuan.
Four, housing provident fund personal housing loans can be applied for the amount under the premise of not exceeding the maximum amount of a single loan, for the borrower and co-borrower housing provident fund personal account balance and (housing)+0.5 times, but the monthly repayment amount shall not exceed 50% of the borrower's family monthly wage income.
Five, cancel the parents' children housing provident fund personal housing loan business.