2. Moreover, the amount of housing loan for two people is limited. The calculation formula of the maximum loan amount is: the monthly income of the borrower's family, the remaining amount after deducting the living expenses of 400 yuan at least every month, and then divided by the income of the monthly repayment amount per 10,000 yuan of loan within the loan application period. The monthly income mentioned above is the monthly deposit amount of employee's individual housing provident fund divided by the deposit ratio of employee's housing provident fund.
3. The provident fund loan is a measure to implement the housing system reform in China, with the purpose of sharing the housing price by the state, the collective and the individual and solving the housing difficulties of the employees. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. The employees of this unit who have paid the housing provident fund for more than one year have stable economic income, good personal credit and the ability to repay the principal and interest of the loan. When employees withdraw the storage balance in the housing provident fund account, the unit where they work shall verify it and issue a specific proof of withdrawal.
In short, you can buy a house with two people's provident fund. Applying for housing provident fund personal loan to buy a house was originally a family-based financing behavior, not to mention buying the first set of self-occupied housing.