1) The monthly repayment amount (according to the equal principal and interest or average funds) shall not exceed 50% of the deposit base of the applicant's housing provident fund, and the deposit base of the joint applicant can be calculated cumulatively;
2) The amount of the provident fund loan shall not be higher than the difference between the total purchase price and the down payment.
3) Not higher than the maximum amount of a single housing provident fund loan. For individual employees, the maximum amount of provident fund loans for a single house is 500,000 yuan. If the applicant and the co-applicant jointly apply and the co-applicant deposits the housing provident fund in this city, the maximum amount of a single housing provident fund loan is 900,000 yuan.
4) If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loanable amount of the housing provident fund loan calculated according to the balance multiple of the housing provident fund account can be increased by 10%, but it cannot exceed the maximum amount of a single loan, the monthly repayment ability, and the difference between the total purchase price and the down payment.
The calculation of the final loanable line is subject to the system calculation.
2. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
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