1, 10 times the balance of the housing provident fund account of the borrower (including the same borrower), and the loan term is determined according to the fact that the monthly repayment amount does not exceed 50% of the monthly deposit base. If the balance of the housing accumulation fund account of the borrower (including the same borrower) is less than 1 10,000 yuan, it is 1 10,000 yuan.
2. First suite: newly-built ordinary houses (below 90 square meters) shall not exceed 80% of the house price, newly-built ordinary houses (above 90 square meters) shall not exceed 70% of the house price, and the stock of complete houses (second-hand houses) and self-built houses shall not exceed 70% of the house price. For the second suite, it does not exceed 50% of the house price. If the purchase contract (agreement) stipulates the purchase price of the house with attic, the loan amount of the total purchase price can be calculated together. In addition, if the application for provident fund loan cannot meet the demand for house purchase payment, the borrower can apply for a combined loan of this loan and commercial loan;
3. The maximum number of newly-built ordinary houses shall not exceed 500,000 (300,000 for a single employee), and the maximum number of second-hand houses and self-built houses shall not exceed 350,000 (2 1 10,000 for a single employee).
The extraction process of housing provident fund is as follows:
1. Go to the local provident fund management center with my valid ID card and relevant information required for provident fund withdrawal, fill out the application form for provident fund withdrawal as required, and submit the information required by the provident fund management center;
2. After receiving the extracted information, the housing provident fund management center will review the information provided by users;
3. After the approval, the housing provident fund management center informs the extractor to sign the provident fund withdrawal agreement and go through the withdrawal procedures. After that, the public housing provident fund management center will transfer the extracted funds to the bank card account designated by the drawer.
The extraction process of housing provident fund is as follows:
1. Go to the local provident fund management center with my valid ID card and relevant information required for provident fund withdrawal, fill out the application form for provident fund withdrawal as required, and submit the information required by the provident fund management center;
2. After receiving the extracted information, the housing provident fund management center will review the information provided by users;
3. After the approval, the housing provident fund management center informs the extractor to sign the provident fund withdrawal agreement and go through the withdrawal procedures. After that, the public housing provident fund management center will transfer the extracted funds to the bank card account designated by the drawer.
Legal basis:
Article 9 of the Regulations on the Management of Housing Provident Fund
The housing provident fund management committee shall perform the following duties in the housing provident fund management:
(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;
(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;
(three) to determine the maximum loan amount of housing provident fund;
(four) approval of housing provident fund collection and use plan;
(five) to consider the housing provident fund value-added income distribution plan;
(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.