1. Do not exceed the loan amount calculated by paying the provident fund.
The calculation formula is: the loan amount of pure provident fund = (the total amount of housing provident fund paid by the borrower every month/the ratio of housing provident fund payment × the repayment ability coefficient A+ the total amount of housing provident fund paid by the borrower every month )×12× the loan period.
2. It shall not exceed the difference between the maximum loan amount in the area where the purchased house is located and the accumulated loan amount of the borrower.
3. In Zhongshan District, Xigang District, Shahekou District, Ganjingzi District and High-tech Industrial Park, the maximum loan amount for single employees is 450,000 yuan, and the maximum loan amount for dual employees is 700,000 yuan.
4. Jinzhou New District, Bonded Zone and Lushunkou District have a maximum loan amount of 330,000 yuan for single employees and 580,000 yuan for dual employees;
5. Puwan New District, Changxing Island Economic Development Zone, Huayuankou Economic Zone, pulandian city, wafangdian city, zhuanghe city and Changhai counties have a maximum loan amount of 280,000 yuan for single employees and 470,000 yuan for dual employees.
Dynamic adjustment mechanism of the maximum amount of individual housing provident fund loans in Dalian
1, when the capital utilization rate is greater than or equal to 100%, the municipal level is 350,000 yuan for single person and 630,000 yuan for double person; In other areas, there are 300,000 singles and 520,000 doubles.
2, when the capital utilization rate is less than 100% and greater than or equal to 90%, the city level single 400 thousand yuan, double 700 thousand yuan; In other areas, there are 330,000 singles and 580,000 doubles.
3, when the utilization rate of funds is less than 90% and greater than or equal to 85%, the city level single 450 thousand yuan, double 800 thousand yuan; In other areas, there are 400,000 singles and 670,000 doubles.
4, when the utilization rate of funds is less than 85%, the city level single 500 thousand yuan, double 900 thousand yuan; In other areas, there are 450,000 singles and 750,000 doubles.
Personal housing provident fund loan interest rate, the benchmark interest rate of the first suite, the loan for less than five years (including five years) is 4.2%; The interest rate for loans with a term of more than five years is 4.70%. The benchmark interest rate of the second suite rises 1. 1 times.
Legal basis:
Measures of Dalian Municipality for the Administration of Policy Loans for Individual Housing Article 4 A borrower applying for a loan shall meet the following conditions:
(a) according to the provisions of this Municipality on the administration of housing provident fund, the housing provident fund has been paid in full and on time for more than one year;
(2) the owner of a house who buys, builds, rebuilds or overhauls an ordinary house occupied by the town or buys public housing or other houses without housing ownership, and the immediate family members who live with the owner of the house or the owner of the house;
(3) Having stable income, good credit and the ability to repay the principal and interest of the loan;
(four) with the purchase, construction, renovation, overhaul of ordinary housing related procedures, documents and meet the required proportion of self financing;
(five) to provide assets that meet the requirements of the Guarantee Law of People's Republic of China (PRC) and have been approved by the provident fund management center as collateral or pledge;
(six) other conditions stipulated by laws, regulations and rules.
Borrowers who apply for house purchase guarantee or collateral insurance also need to go through relevant procedures.