(1) Not higher than the loan limit determined according to the multiple of the balance stored in the respective housing provident fund accounts of the borrower, spouse and * * * borrower (40 times the balance of housing provident fund and 20 times the balance of supplementary housing provident fund);

(2) Not higher than the loan amount determined according to the proportion of the total house price;

(3) It is not higher than the loan limit determined according to the repayment ability, and its calculation formula is: the salary base for the borrower to calculate the monthly deposit of housing provident fund * the specified proportion (50%)* 12 months * the loan period;

(4) Not higher than the maximum loan amount.

3. Loan ratio:

1. For families who purchase the first self-occupied housing with a building area of less than 90 square meters (including 90 square meters) in Xing Tao or purchase affordable housing in this city according to regulations, the down payment ratio of housing provident fund loans shall not be less than 20%; For families who purchase the first set of self-occupied housing with a floor area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%. The maximum loan limit for each household housing provident fund is 600,000 yuan.

If you buy a second house to improve your living conditions, the maximum loan limit for each household's housing provident fund is 400,000 yuan. The down payment ratio of the loan shall not be less than 50%.

3. Suspension of housing provident fund loans for families who purchase non-improved second homes.

4. Stop issuing housing provident fund loans to families who buy third and above houses.

Description:

(1) The basis for purchasing the first home is that the borrower's family has never used the housing provident fund loan to buy a house, and the family members (including the borrower, spouse and minor children) identified by the housing management department provided by the borrower have no complete housing registration.

(2) The confirmation of purchasing an improved second house, the information registered in the name of the borrower's family members (including the borrower, spouse and minor children) in the housing management department reflects that only one house is actually held, and the per capita housing construction area is lower than that announced by the statistics department last year.

For details, please contact the customer service hotline of Shanghai Housing Provident Fund Management Center at 02 1- 12329 and 6244 1200. Customer service hours are from Monday to Friday: 9:00- 1 1:30, 13: 00. If you are going to apply for provident fund loans through China Merchants Bank, we only accept portfolio loans at present, but not pure provident fund loans.

If you have any questions or comments, please log on to online customer service /cmu/icslogin.aspx? from = B& amp； Logincmu=0 for consultation, and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!