Jinan dual-income families can borrow up to 600,000 yuan, including 500,000 yuan in Pingyin, 500,000 yuan in Jiyang and 500,000 yuan in Shanghe. Single-employee families can borrow up to 300,000 yuan, including 250,000 yuan in Pingyin, 250,000 yuan in Jiyang and 250,000 yuan in Shanghe. The minimum down payment ratio of the first suite is 30% of the house price, and that of the second suite is 60% of the house price.

In addition, the calculation formula of the actual loanable amount of individual provident fund loans is as follows: housing provident fund loan amount = (borrower's housing provident fund account balance+* * and borrower's housing provident fund account balance) × 15, or housing provident fund loan amount = borrower's loanable amount+* * and borrower's loanable amount.

Loan amount of housing provident fund = sum of the balance of housing provident fund paid by the borrower and * * * same borrower × 15.

At the same time shall not exceed the prescribed housing provident fund loan limit:

(1) The loan amount shall not be higher than the proportion agreed in the total price of the mortgaged house;

(2) The maximum amount for employees' families who have paid the housing provident fund to apply for housing provident fund loans shall not exceed 250,000 yuan (the maximum amount for implementing loans in Zhangqiu, Pingyin, Jiyang and Shanghe is 200,000 yuan).

The maximum amount for employees' families who have paid housing provident fund for two or more people to apply for provident fund loans is still 500,000 yuan (400,000 yuan for Zhangqiu, Pingyin, Jiyang and Shanghe).

If the borrower belongs to unmarried, divorced, widowed and other single workers or spouses who have not paid the housing provident fund, and the borrower is provided with the same repayment person to pay the housing provident fund normally, the loanable amount can be handled by two or more families who have paid the housing provident fund, and the same repayment person may not apply for a housing provident fund loan before the loan is paid off.

Term of provident fund loan:

(1) The longest loan term shall not exceed 30 years;

(2) The age of the payer or * * * the same borrower and guarantor of the loan term, male is not more than 65 years old, female is not more than 60 years old, and less than 12 months is counted as the whole year;

(3) The sum of the age of the second-hand house and the loan period shall not exceed 50 years.

Provident fund loan interest rate:

According to the regulations of the People's Bank of China, the current effective interest rate is 4.00% for loans with a term of less than five years (inclusive) and 4.50% for loans with a term of more than five years. If the loan term is within 1 year (including 1 year), the principal and interest shall be repaid in one lump sum; If the loan term exceeds 1 year, two repayment methods are adopted: equal principal and interest or equal principal repayment.