I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan. If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan.

2. What is the maximum amount of provident fund loans for both husband and wife?

Hello, the minimum value calculated according to the storage balance of the housing provident fund account, the maximum loan limit and the multiple of the loan ratio is the maximum loanable amount of the borrower.

1. The formula for calculating the maximum loanable amount according to the balance of the housing provident fund account is: (balance of the provident fund account, monthly contribution of the provident fund ×2× statutory retirement months )× 2.

2. The maximum loan amount calculated according to the maximum loan amount is 500,000 yuan for one person to apply for a housing provident fund loan, and 800,000 yuan for two or more people to purchase the same set of housing. However, the amount of provident fund loans is related to the borrower's monthly payment and personal credit. Therefore, it is impossible to determine the lender's provident fund loan amount at present. Need to be reminded that the premise of provident fund loans is continuous payment for half a year. Warm reminder: According to the Property Law, whether the property jointly purchased by husband and wife is jointly owned or shared by shares needs to be reflected in the sales contract and then stated in the property ownership certificate. Therefore, both parties need to be present to sign and confirm. That is, the "main loan" and "participating loan" in the bank's housing loan contract are generally only designated as the "lender" and the other party can be regarded as the "co-lender". For the "co-lender", it is not only required to be the immediate family members (husband and wife, children and parents) of the "lender", but also to be one of the owners of the property mortgaged by the housing loan. As "main lenders", the husband and wife have paid attention to the banking industry, saying that "main loan" and "participating in loan" are both nonstandard terms. In the housing loan contract of a bank, only one of the husband and wife is generally designated as the "lender" and the other party can be regarded as the "co-lender". For the "co-lender", it is not only required to be the immediate family members (husband and wife, children and parents) of the "lender", but also to be one of the owners of the property mortgaged by the housing loan. However, this article is an exception for couples. Even if only one party has the name on the real estate license, the other party can be the "co-lender" of the housing loan. Go to the loan together, but the details involved in housing loans are also worthy of careful consideration by many couples, and comprehensive insurance for housing mortgage loans is one of them. However, if we look at the insurance clauses carefully, we can see that the liability insurance of repayment insurance only covers the accident or disability of the "main lender". When signing a housing loan contract, the bank requires the lender to purchase comprehensive insurance for housing mortgage loans. This comprehensive insurance covers two aspects. One is property damage insurance. When the mortgaged property suffers property losses within the prescribed scope such as fire, storm and collapse, the insurance company shall bear the property losses; There is also a loan repayment guarantee liability insurance. If the lender accidentally dies or is disabled, the insurance company will also bear the remaining repayment responsibilities. Therefore, when choosing the main lender, we must choose the pillar of the family as the main lender, so that the insurance company can bear the remaining loans when there is an accident in the house.

Third, the housing provident fund loan to buy a house, how much can two people borrow at most?

The following answers refer to the housing loan regulations of most cities in China. The regulations in different regions may be slightly different, but there is little difference. Please consult the local housing management department for details.

1. The loan for the first house purchase shall not exceed 80% of the total house price at most, 70% for the second house purchase and 60% for the third house purchase, and the loan is not allowed at the beginning of the fourth house purchase.

2. There are different regulations in different places, and there is a maximum limit for provident fund loans. For example, Beijing seems to have a maximum of 800,000, and most second-and third-tier cities have a maximum of 300,000 to 500,000.

3. You need to submit proof of income when handling loan procedures. Generally speaking, the monthly income is required to be no less than twice the monthly repayment amount.

4. The amount of provident fund loans is not affected by the remaining amount of the provident fund account. Just refer to the above three items.

5. The balance in the provident fund can be used to pay the down payment when purchasing commercial housing, or it can be extracted by the contract for purchasing commercial housing.

The total price of a house like yours is 250 thousand, and the loan does not exceed 200 thousand or 50 thousand at most If your monthly income is 2220 yuan, you can choose to pay it off in 25 years, with monthly repayment 104 1.4.

4. How much can a couple borrow from the provident fund?

The maximum loan amount of husband and wife provident fund can reach 700,000 yuan. However, when both husband and wife jointly apply for housing provident fund loans, both husband and wife must pay the provident fund, and there is a certain amount of housing provident fund in the housing provident fund account, and both husband and wife must pay the housing provident fund 1 year or more.

The process of handling provident fund loans is as follows:

1. Employees need to go to the housing provident fund management center or relevant state agencies to handle important housing provident fund business;

2. After the employee applies for the housing provident fund, the housing provident fund management center will give a reply of allowing or not allowing the loan within 15 working days after accepting the application, and notify the applicant by SMS. If the loan is granted, the relevant entrusted bank shall go through the formalities of provident fund loan;

3. Employees applying for housing provident fund need to provide the guarantee conditions required by institutions.

The conditions for handling provident fund loans are as follows:

1. Borrowers applying for short-term provident fund loans must have full capacity for civil conduct and hold valid identity documents before they can start business;

2. The borrower's husband and wife have no bad credit records and meet the national audit standards;

3. Have a stable source of income and the willingness and ability to repay on time;

4. The real purchase behavior occurred within one year, and the source of the house is clear, the procedures are complete and meet the national standards, and there is no legal requirement;

5. There are no outstanding other provident fund loans;

6. The purchased house will become the mortgage condition of the institution; Or provide a guarantee in a way recognized by the state.