According to the maximum loan amount, if one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people buy the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan. However, the amount of provident fund loans is related to the borrower's monthly payment and personal credit.

Both husband and wife can borrow up to 600,000 yuan from the provident fund. The central bank stipulates that if both husband and wife in the first suite pay the provident fund, the maximum amount is 800,000; If both husband and wife in the second suite pay the provident fund, the maximum is 600,000.

The maximum loan amount of husband and wife provident fund can reach 700,000 yuan. However, when both husband and wife 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.

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

1. The maximum loan amount of husband and wife provident fund can reach 700,000 yuan. However, when both husband and wife 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.

2. Both husband and wife can borrow up to 600,000 yuan from the provident fund. The central bank stipulates that if both husband and wife in the first suite pay the provident fund, the maximum amount is 800,000; If both husband and wife in the second suite pay the provident fund, the maximum is 600,000.

3. The maximum loan amount for purchasing the provident fund for the first couple is 800,000 yuan, and the higher loan amount for the second couple who pay the provident fund is 600,000 yuan. It should be noted that the amount of husband and wife provident fund loans varies from region to region and depends on local policies.

4. According to the rules for the amount of provident fund loans issued by the Provident Fund Management Center, if both husband and wife in the first suite pay the provident fund, the maximum loan amount is 800,000; If both husband and wife pay the provident fund, the maximum loan amount is 600 thousand.

5. So what is the maximum amount of provident fund loans for both husband and wife? The maximum amount is different in different cities and regions. For example, the loan amount of Hangzhou married provident fund is 6.5438+0.2 million, while the surrounding counties and cities are only 960,000 or 840,000. In other cities, such as Shanghai, the maximum amount is 6,543.8+0.2 million, and in Nanjing, the maximum amount is 6,543.8+0.2 million.

6. According to the regulations of the central bank, for the first suite, if both husband and wife pay the provident fund, the higher amount is 800,000, and for the second suite, if both husband and wife pay the provident fund, the higher amount is 600,000.

What is the amount of husband-and-wife loan? This way the loan amount is higher!

1. Commercial loan. If both husband and wife have stable jobs, the loan amount will be higher than that of the individual, but it cannot exceed the total house price minus the down payment. For example, if you buy a property with a total price of 6.5438+0.5 million yuan, the husband's income will be 20,000 yuan, and the wife's income will be 6.5438+0.2 million yuan.

2. One person applies for a housing provident fund loan with a maximum loan amount of 500,000 yuan, and two or more people purchase the same house to apply for a housing provident fund loan with a maximum loan amount of 800,000 yuan. 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.

3. Subjectivity of the law: the loan amount calculated according to the maximum loan amount: if I use my housing provident fund to apply for a housing provident fund loan, 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.

4. The maximum loan amount for purchasing the provident fund for the first couple is 800,000 yuan, and the higher loan amount for the second couple who pay the provident fund is 600,000 yuan. It should be noted that the amount of husband and wife provident fund loans varies from region to region and depends on local policies.

5. Calculated according to repayment ability: loan amount (total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient 40%- monthly repayment amount of existing loans of husband and wife ]× 12 (month )× loan period.

6. So what is the maximum amount of provident fund loans for both husband and wife? The maximum amount is different in different cities and regions. For example, the loan amount of Hangzhou married provident fund is 6.5438+0.2 million, while the surrounding counties and cities are only 960,000 or 840,000. In other cities, such as Shanghai, the maximum amount is 6,543.8+0.2 million, and in Nanjing, the maximum amount is 6,543.8+0.2 million.

So much for the introduction of the maximum loan for couples.