Hello, my friend, the provident fund is mainly used for housing loans. The maximum loan amount of a provident fund is 300,000. If there is a supplementary provident fund, a provident fund can borrow up to 400 thousand. Two people is 800 thousand. It depends on your assessment of repayment ability. The local provident fund management center can consult. The condition is that the provident fund must be paid for more than one year.

2. How much can Hangzhou Provident Fund borrow at most?

The amount of provident fund loans varies from region to region. Like Jiaxing, Zhejiang, the maximum one person is 300,000. The maximum amount of one person in Hangzhou is 500,000. But this is only the "maximum amount". Whether you can borrow this amount is different in different regions. You can consult the local provident fund center by telephone 12329. If it is not local, just add the area code in front.

3. What is the loan amount of Hangzhou Provident Fund?

Hangzhou housing provident fund loans to implement the quota system per person per household. The maximum loan amount for individual employees is 500,000 yuan. If both employees and their spouses pay the housing provident fund, the specific amount to be paid shall be calculated separately by the individual, and the maximum loan amount is 6,543,800 yuan. The loanable amount is calculated according to the average monthly balance of employee housing provident fund accounts when applying for housing provident fund loans, and the multiples of Hangzhou main city, Xiaoshan District, Yuhang District and Fuyang District are now calculated according to 15 times.

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

Four, Hangzhou provident fund loan amount

The amount of provident fund loan refers to the amount of money that individuals are using. Only employees who have permanent residence in local towns and have paid the housing provident fund according to the regulations can enjoy the provident fund loan when the funds for purchasing, building, renovating and overhauling their own houses are insufficient.

So what is the upper limit of Hangzhou housing provident fund loan amount?

First, Hangzhou.

According to the regulations of Hangzhou, people who apply for provident fund loans need to pay provident fund. After coming to work in Hangzhou, you can calculate the deposit time in Hangzhou after paying the provident fund normally in combination with the housing provident fund deposit certificate issued by the management department.

If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. Employees and their spouses can apply for a loan of RMB 0,000.

Second, the standard of credit line

(1) Employees who have continuously paid the monthly contributions since 1 year, 20 13, 10, 1 may apply for housing provident fund loans as required.

(2) The specific loanable amount is comprehensively determined according to factors such as employee's monthly deposit, house price, down payment ratio and personal credit status. According to the average wage standard (56,465,438 yuan +07 yuan) published by Hangzhou Municipal Bureau of Statistics, the monthly deposit standard is:

1. If the monthly payment of employees is lower than that of 470 yuan (20 12, and the average wage standard of employees in urban units in Hangzhou is 564 17 yuan/12×5%), the maximum loanable amount is150,000 yuan;

2. If the monthly contribution of employees is higher than that of 470 yuan (inclusive) but lower than 1 128 yuan (the average wage of employees in urban units in Hangzhou in 20 12 was 564 17 yuan/12× 12%), the maximum contribution can be.

3. Employees with high loanable amount deposit 500,000 yuan per month;

4 workers and their spouses have paid housing provident fund, the cumulative loanable amount shall not exceed 8.