If all family members meet the loan conditions, the maximum loan amount will be adjusted from 400,000 yuan to 600,000 yuan; If only one person meets the loan conditions, the maximum loan amount will be adjusted from 200,000 yuan to 300,000 yuan.
Calculation of loan amount:
1. Loan amount calculation formula: individual provident fund account balance * provident fund loan ratio-original purchase price.
2. Among them, the ratio of provident fund loans is generally 1: 1 or 2: 1, that is, the ratio of the amount of provident fund paid by individuals to the amount of monthly loans is 1: 1 or 2: 1.
Maximum loanable amount:
The maximum loanable amount is 70% of the personal provident fund account balance.
Personal housing provident fund deposit preparation materials generally include the following contents:
1. Copy of ID card: provide the original ID card and make a copy as personal identification.
2. Copy of household registration book: provide the original household registration book and make a copy as proof of household registration information.
3. Labor contract or employment agreement: used to prove an individual's work unit and position, and to determine the nature of an individual's work and salary level.
4. Copy of salary card: provide the original and copy of personal salary card to prove personal salary income.
5. Copy of social security card: provide the original and copy of personal social security card to prove the payment of personal social security.
6. Copy of house purchase contract and title certificate: If you apply for housing provident fund loan, you need to provide the original house purchase contract and title certificate and make a copy.
7. Personal bank statement: provide the original and photocopy of personal bank statement to prove personal financial status.
8. Personal tax payment certificate: provide an original and a copy of personal tax payment certificate to prove personal tax payment.
To sum up, the deposit ratio and deposit base of individual housing provident fund should be set in accordance with relevant regulations and cannot be changed at will. At the same time, it is suggested to pay the provident fund in time, so as not to affect the subsequent housing provident fund loans and withdrawals.
Legal basis:
"Regulations" of housing provident fund management sixteenth
The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.
Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by their units.