Apply for housing provident fund loans to meet the following conditions:

1. loan amount: the loan amount of a single housing provident fund generally does not exceed 400,000 yuan. The specific loan amount is: (1), which shall not exceed the individual repayment ability, that is, the sum of the borrower's monthly contribution/the borrower's spouse's provident fund contribution/the borrower's spouse's provident fund contribution ratio ×50%× 12 (month )× the loan period; (2) The purchase of the first ordinary self-occupied house shall not exceed 70% of the purchased house price (80% of the purchased house price if the construction area of Xing Tao is less than 90 square meters (inclusive)).

2. Loan period: The longest loan period of housing provident fund is 30 years. In principle, the sum of the borrower's age and the number of years of applying for loans shall not exceed 5 years after his statutory retirement age, that is, male employees can borrow until 65 years old and female employees can borrow until 60 years old. Your spouse, as the main lender, can show the bank flow of the last six months' salary or the details of the last six months' salary payment (with the official seal of the company), and can calculate the loan amount with you. (The above is the whole content of this article. )

2. What are the conditions for housing provident fund loans in Luoyang?

(1) The purchased house complies with the law. Lenders must be employees who normally pay housing provident fund, have good credit and have the ability to repay the principal and interest of the loan. (3) The purchase of the first set of ordinary self-occupied housing shall not exceed 80% of the price of 90 square meters (inclusive) of the purchased housing.

What are the conditions for Luoyang provident fund loan?

Legal subjectivity: provident fund loan conditions: 1, with permanent residence or valid residence status in the city where the provident fund loan is applied; 2. Have a relatively stable income, good credit and the ability to repay the principal and interest of the loan; 3. The borrower and * * * the same borrower have continuously paid the housing provident fund in full for more than 6 months (including 6 months) when applying for the provident fund loan, and the housing provident fund in their account has not been used this time; 4, provident fund loans in the city to apply for provident fund loans to buy self-occupied housing, there must be a legal purchase contract or agreement; 5. There is a certain proportion of down payment for house purchase that meets the requirements; 6. Provide guarantees that meet the legal requirements. If the payment of housing provident fund is interrupted halfway, resulting in the failure to pay the housing provident fund in full for six consecutive months, even if it is fully paid, you cannot apply for a provident fund loan. The solution now is to continue to pay the housing provident fund in full and then apply for it for six months in a row.

Legal Objectivity: Article 24 of the Regulations on the Management of Housing Provident Fund: Employees may withdraw the storage balance in their housing provident fund accounts under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (6) the rent exceeds the prescribed proportion of family wage income.

4. What are the conditions for housing provident fund loans in Luoyang?

(1) The purchased house has a purchase contract or agreement that complies with the law; (2) The lender applying for housing provident fund must be an employee who normally pays the housing provident fund, and has good credit and the ability to repay the principal and interest of the loan. (3) The purchase of the first ordinary self-occupied house shall not exceed 70% of the purchase price (if the construction area of Xing Tao is less than 90 square meters (inclusive), it shall not exceed 80% of the purchase price).