The amount of provident fund loans is the maximum amount that individuals can apply for when using provident fund loans. Only employees who have permanent residence in local towns, have established the housing provident fund system for more than six months, and have paid the housing provident fund according to regulations can enjoy the provident fund loan because of insufficient funds for house purchase, renovation and repair.
Baoding provident fund loan amount
The single loan amount is comprehensively determined according to the storage status of the borrower and spouse's housing provident fund account, the housing purchase price and their repayment ability. There are three ways to calculate the loan amount.
(1) The maximum loan amount is 400,000 yuan.
(2) the limit determined according to a certain proportion of the house price. For self-employed, rebuilt or overhauled houses, the loan amount shall not exceed 50% of the project cost. The project cost is determined by the management center according to the construction project planning permit area and the local average cost, and the loan amount does not exceed 40% of the house price. For houses over 90 square meters, the loan amount shall not exceed 70% of the house price. For houses below 90 square meters, the loan amount shall not exceed 80% of the house price.
(3) Determine the loan amount according to the deposit situation. The loan amount shall not exceed 2 times of the deposit of housing provident fund within the retirement age of the borrower and spouse or 15 times of the current deposit balance of housing provident fund of the borrower and spouse.
(4) The loan amount determined according to the repayment ability. The monthly repayment amount is not higher than the borrower's repayment ability, and the monthly repayment ability of the borrower and his spouse is calculated as 50% of the sum of monthly wages (if the borrower is single, it is calculated as the repayment ability of the borrower and his immediate family).
The borrower with the calculated repayment amount needs to provide the salary payment certificate of the company, the salary payment certificate provided by the tax department, the salary payment bill of the bank agent and other certificates stipulated by the management center (the salary payment certificate and the salary payment certificate provided by the tax department are not provided if they are below the national tax threshold).