1. If you buy a house or use a mortgage, you shall withdraw the housing accumulation fund, and the total amount of withdrawal shall not exceed the actual housing expenditure.
2. Withdraw housing provident fund in the case of one-time payment for house purchase, and employees and their spouses can withdraw housing provident fund in full every quarter.
3, self-built, overhaul from the housing, renovation of housing provident fund extraction, the total extraction does not exceed the actual expenditure.
4, rental housing provident fund extraction, employees and their spouses can fully extract a housing provident fund every year, the total amount of extraction should not be higher than the total annual rent.
5. Withdrawal of account cancellation can withdraw all the storage balance in the housing provident fund account and cancel the account.
The calculation method is as follows:
According to the repayment ability calculation formula, {(total monthly salary of the borrower+monthly payment of the borrower's unit housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan }× loan period (month), {(total monthly salary of both husband and wife+monthly payment of the housing provident fund of both husband and wife )× repayment ability coefficient-total monthly repayment amount of both husband and wife's existing loan }× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio+individual contribution ratio);
According to the calculation formula of house price, loan amount = house price × loan ratio, in which the loan ratio is determined according to the different types of houses purchased, built and repaired and the number of mortgage loans;
According to the account balance, if an employee applies for a housing provident fund loan, the loan amount shall not be higher than 10 times of the balance of the housing provident fund account when the employee applies for a loan (if the spouse housing provident fund is used to apply for a housing provident fund loan at the same time, it shall be the sum of the balance of the employee's own and spouse's housing provident fund account), and if the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000;
According to the maximum amount, the maximum loan amount for applying for housing provident fund loans with my own housing provident fund is 400,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 600,000 yuan, the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 500,000 yuan, and the maximum loan amount for applying for housing provident fund loans with my spouse's housing provident fund is 700,000 yuan.