The loan amount shall not exceed the borrower's actual repayment ability. The monthly repayment amount of the loan generally does not exceed 50% of the total monthly income of the borrower.
Rules for the amount of provident fund loans
(1) All borrowers who meet the loan conditions shall deposit the housing accumulation fund in this city:
Follow? Average monthly account balance? Loan allocation coefficient? Calculate the loan amount, and the loan amount shall not exceed 10 times of the personal account balance when applying for the loan.
The average monthly account balance refers to the average monthly balance of personal account calculated 60 months before applying for a loan, and 60 months if it is less than 60 months.
The account balances of multiple borrowers can be calculated together.
If the borrower has no record of using housing provident fund to purchase houses in this city, the loan allocation coefficient is 40; If one person has a record of using the housing provident fund to purchase a house, the loan allocation coefficient is 10.
(2) All borrowers who meet the loan conditions pay the housing accumulation fund in different places: according to? What is the balance of the housing provident fund account when applying for a loan? Six times? In this way, the loan amount can be calculated, and the account balances of multiple borrowers who meet the loan conditions can be calculated together.
(3) Borrowers who meet the loan conditions deposit housing provident fund in this city and other places respectively: calculate the loan amount separately according to the corresponding rules.
(4) If a qualified specific object applies for a housing provident fund loan for the first time, and the loan applicant has no record of using the housing provident fund, the requirements for the storage balance of the housing provident fund shall be appropriately relaxed:
Changzhou innovative and entrepreneurial talents recognized by the Office of the Leading Group for Talent Work meet the loan conditions (housing provident fund has been paid normally in Changzhou), and the loan amount can be relaxed to 900,000 yuan.