Taking Beijing as an example, the loan amount depends on the appraised value of the house, monthly deposit, down payment and construction area.

Under normal circumstances, the purchase of policy housing or the first set of self-occupied housing with a construction area of 90 square meters or less, the maximum amount of a single housing provident fund loan is 6.5438+0.2 million yuan; Method for determining the specific loan amount:

1. Calculate the monthly income of myself and * * * the same applicant: monthly income = monthly contribution of individual housing provident fund ÷ contribution ratio of housing provident fund;

2. Calculate the maximum loanable amount: the maximum loanable amount is the remaining amount after deducting the living expenses of at least 1.092 yuan from the monthly income of the family, and then dividing it by the monthly repayment amount of every 10,000 yuan loan during the loan application period.

3. The specific loan amount should consider the factors such as the maximum amount of a single loan, the maximum loanable amount, the minimum down payment, the credit rating and the assessed value of the collateral.

Loans affected by the balance: state-managed provident fund, Shanghai, Guangzhou and Shenzhen.

(1) State-managed provident fund. The maximum loan amount of the housing accumulation fund for the borrower to purchase the first set of self-occupied housing is 6.5438+0.2 million yuan. At present, the loanable amount of individual housing provident fund can be roughly estimated according to the borrower's housing provident fund account balance of 654.38+00 times. If the deposit time has been more than 5 years, or the spouse has also paid the housing provident fund in the center, the loan amount will rise to some extent. If the loan applicant purchases the first set of self-occupied housing and fails to withdraw the housing provident fund within 1 year before the loan is accepted, if the balance of the personal account is less than 50,000 yuan, it will be calculated as 50,000 yuan.

(2) Shanghai, depending on the balance of the provident fund account, the monthly deposit, the age of the lender, the appraised value of the house and other factors.

(3) Guangzhou determines the maximum loan amount and loan proportion according to the balance of the housing provident fund account. The minimum value calculated according to the above three conditions is the loanable amount of the borrower.

1. Loan amount calculated according to the balance of housing provident fund account: the calculation formula is: balance of provident fund account ×2+ monthly contribution of provident fund × to statutory retirement month ×4.

2. The loanable amount calculated 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 purchase the same house and apply for a personal housing provident fund loan, the maximum loan amount is 800,000 yuan.

3. The loanable amount calculated according to the loan proportion. For families who purchase the first set of housing and the construction area of Xing Tao is less than 90 square meters (including 90 square meters) or purchase affordable housing according to regulations, the down payment ratio is not less than 20%; For families who purchase the first home and have a building area of 90 square meters or more, the down payment ratio is not less than 30%;

For families who buy a second home, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the same grade in the same period.

(4) In Shenzhen, the loan amount of housing provident fund is 12 times of the balance of the provident fund account for calculating the loanable amount, and the following conditions must be met:

1. The total monthly repayment of loan principal and interest (calculated by equal principal and interest) shall not exceed 50% of the applicant's housing provident fund deposit base, and the * * * participating in the quota calculation may be accumulated with the applicant's deposit base;

2. The loan amount of housing provident fund is not higher than the difference between the total purchase price and the down payment;

3 individual workers, the maximum amount of a single housing provident fund loan is 500,000 yuan; The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan.

4. If the applicant or the same applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loan amount calculated according to the balance of each person's 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.

Can the provident fund pay the down payment?

If you buy affordable housing in the urban area, you can generally withdraw the account balance through the provident fund management center to pay the down payment. However, if the house you buy is not affordable, you must pay the down payment yourself and make compensation after going through the formalities of withdrawing the provident fund. In addition, the purchase of second-hand housing is not allowed to use provident fund for down payment. Therefore, buyers need to decide whether they can use provident fund as down payment according to the type and situation of buying houses.