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

Provident fund loan amount

1) The loanable amount is 10 times the sum of the loanable amount of the lender and the calculation participants and the personal account balance of the lender; If the sum of individual account balances is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan; Low-income families with housing difficulties can purchase affordable housing, and their loan amount can rise by no more than 30 thousand yuan.

2) Or calculate the loan amount according to the repayment ability of employees, and the employees will choose voluntarily. The formula for calculating the loan amount according to the repayment ability of employees is: the sum of the monthly salary base of the lender's monthly housing accumulation fund ×35%× 12 (month )× loan period.

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

Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan issued by the local housing provident fund management core, using the housing provident fund paid by the employees who apply for provident fund loans, and entrusting commercial banks to the housing provident fund depositors who purchase, build, renovate or overhaul their own houses and the retired employees who paid the housing provident fund during their employment. According to the regulations, employees who have paid housing provident fund for more than a certain period of time can apply for provident fund loans when the funds for purchasing, building, renovating and overhauling their own houses are insufficient.