The current policy can't, can't cross provinces, can't cross cities! If you don't plan to buy a house in Shiyan in the future, take out the provident fund!

2. A couple's provident fund in Zhuhai, 5,300 yuan per month for more than 6 years. What is the maximum loan for provident fund?

A couple's provident fund in Zhuhai paid 5300 yuan a month for more than 6 years, and the maximum loan of the provident fund is 500,000 yuan. The basis is that the calculation formula of the loan amount of Zhuhai Provident Fund is as follows (calculated in the following two ways, the lower value is taken as the actual loan amount):

1. Not higher than the loan amount determined according to the loan repayment ability:

Loan amount = (the sum of the borrower's monthly provident fund deposit amount/unit and individual deposit ratio; Monthly contribution of spouse's provident fund/sum of contribution ratio of unit and individual) × 45 %× 12 months× loan period;

2. Not higher than the loan amount comprehensively determined according to the deposit time and deposit balance of the provident fund:

Loan amount = (the difference between the borrower's provident fund deposit and the spouse's provident fund deposit) ×20 times× deposit time coefficient.

3. The maximum loan amount of Zhuhai Provident Fund is 500,000.

3. What conditions do buyers need to apply for Zhuhai housing provident fund loans?

First, the housing provident fund loan object

On-the-job employees who have paid the housing provident fund according to the regulations and have full capacity for civil conduct.

Second, the housing provident fund loan conditions

Employees who purchase self-occupied housing can apply for individual housing provident fund portfolio loans.

1. The housing provident fund account has been paid in full and on time for more than 6 months (inclusive) before the month of application, and the housing provident fund account is in a normal payment state at the time of application (the account is sealed, frozen and cancelled);

2. The applicant has paid the down payment for the house purchase as required;

3. Applicant 18 to 60 years old, with stable economic income and the ability to repay the loan principal and interest on time, and good personal credit status (mainly subject to the personal credit report of the credit information system of China People's Bank);

4. The age of the main applicant plus the mortgage period, the male is no more than 65 years old and the female is no more than 60 years old;

5. The applicant agrees to mortgage the purchased property;

6. The applicant and * * * have no housing provident fund loan or have paid off the housing provident fund loan with the applicant;

7. The loan application meets the requirements of national, provincial and municipal real estate market management policies.

Housing provident fund depositors in our city purchase houses in towns around Zhuhai, such as Tanzhou, and meet the following conditions, they can also apply for housing provident fund loans in our city:

1, which meets the loan conditions of housing provident fund in our city and the commercial loan bank is one of the twelve loan banks entrusted by our center;

The building has been put on record in our center.

(The above answers were published on 20 15-06-28. Please refer to the actual situation for the current purchase policy. )

When buying a new house, go to Sohu Focus.