0 1. Maximum loanable amount
The maximum loanable amount of housing provident fund loans is 6,543,800 yuan, of which the loanable amount of paid employees does not exceed 500,000 yuan.
02. Personal loanable amount
The employee personal loan amount is calculated and determined according to a certain multiple of the monthly average balance of the housing provident fund account, and the calculation formula is: multiple of the monthly average balance of the employee housing provident fund account.
Among them, the average monthly balance of employee housing provident fund account is the average monthly balance of employee housing provident fund account in the last 12 months (excluding the month of application) (excluding the one-time deposit in the last 12 months) when employees apply for housing provident fund loans, and the shortage of 12 months is calculated according to the actual number of months.
The multiples of Hangzhou's main urban area, Xiaoshan District, Yuhang District and Fuyang District are currently determined to be 15 times.
The calculation result of personal loanable amount is rounded to thousands, the amount below 6.5438+0.5 million yuan is determined to be 6.5438+0.5 million yuan, and the amount above 500,000 yuan is determined to be 500,000 yuan.
If the loan amount of employee housing provident fund is insufficient, you can apply for a commercial portfolio loan. The term, guarantee method and repayment method of commercial loans in the portfolio should be consistent with the housing provident fund loans.
The approved loan amount is determined according to the relevant national individual housing loan policies and the relevant provisions of provident fund loans, and by comprehensively analyzing the conditions, prices, family credit status, repayment ability and other factors of the housing purchased by the borrower.
Related questions and answers: What is the amount of provident fund loans? The loan amount is the minimum of the following three calculation methods:
1. The loan amount is determined according to the borrower's repayment ability. The calculation formula is: the amount of housing provident fund paid by the borrower on a monthly basis ÷ the proportion of housing provident fund paid by the borrower × individual repayment ability coefficient (0.45%)× 12 (month )× actual loanable years. If both husband and wife have paid the provident fund and borrowed jointly, the loan amount shall be the sum of the loan amounts calculated by both husband and wife.
2, the provisions of the maximum amount of personal loans. At present, the maximum loan limit for employees who have paid housing provident fund is 300,000 yuan, and the maximum loan limit for employees who have paid housing provident fund for both husband and wife is 600,000 yuan.
3. The maximum loan amount for purchasing commercial housing shall not exceed 80% of the total purchase price, and the loan amount for purchasing second-hand housing shall not exceed 70% of the total purchase price.
Extended data:
Precautions:
The provident fund center or the entrusted bank shall first conduct a preliminary examination on the authenticity and compliance of the applicant's loan conditions, application materials, application amount and other contents.
After the first trial is passed, the bank will invite the applicant for an interview to further understand the loan purpose, repayment willingness and repayment ability of the applicant, and establish interview records.
If the audit meets the requirements, the entrusted bank accepts the loan application.