The monthly repayment amount calculated according to the loan amount and the principal and interest calculated according to the matching principal and interest repayment method shall not exceed 50% of the applicant's provident fund deposit base or the sum of the applicant and the calculated loanable amount and the applicant's provident fund deposit base. Not higher than the loan amount calculated according to the loanable ratio of the loan. The loan amount is based on the contract price of the house purchased by the applicant as the total house price, and the loan loanable ratio is determined according to the down payment ratio stipulated by the state.
Conditions for Interest Rate of Shenzhen Provident Fund Loan Applicants and those who participate in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time in this city or other places for six months before the month of application, and the provident fund account is in a normal deposit state at the time of application (the account is sealed, frozen and cancelled as an abnormal deposit state). The deposit time of provident fund in this city and other places can be calculated together; The applicant and * * * have the ability to repay the loan principal and interest, have a good credit status and have no bad credit record. The applicant and his family (including husband and wife and minor children) have not made provident fund loans in this city or have paid off the provident fund loans. The applicant has paid the down payment for the house purchase as required.
The loan amount of the provident fund is 14 times of the balance of the provident fund account for calculating the loanable amount of the provident fund. When the monthly repayment of loan principal and interest (calculated by the equal principal and interest method) does not exceed 50% of the applicant's housing provident fund deposit base. * * * The participation quota calculation can be accumulated with the applicant's deposit base; The amount of the provident fund loan is not higher than the difference between the identified value of the collateral (the lower of the total purchase price and the assessed value) and the down payment; For individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan. The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan.