If you buy a new house in Hainan and both husband and wife pay the provident fund in Hainan, the maximum loan amount is 6,543,800 yuan; If only one lender deposits provident fund in Hainan, the maximum loan amount is 700,000 yuan. If you buy a second-hand house in Hainan and both husband and wife pay the provident fund in Hainan, the maximum loan amount is 700,000 yuan; If only one lender deposits provident fund in Hainan, the maximum loan amount is 400,000 yuan. : 1. Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. With the characteristics of security, mutual assistance and long-term, it is mainly used for employees to buy, build, rebuild, overhaul and decorate their own houses or pay rent. 2.2065438+Starting from July 1 2007, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform according to the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development. 3.202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on. 4. The definition of housing provident fund includes the following five aspects: (1) Housing provident fund is only established in cities and towns, and the housing provident fund system is not established in rural areas. (2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system. (3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit. (4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund. (five) the housing provident fund is a personal housing savings fund that employees use exclusively for housing consumption expenditure in accordance with regulations.

2. I am in Haikou and want to buy a second-hand house with a provident fund loan! How much can I borrow?

The calculation of the loan amount of provident fund should be determined according to four conditions: repayment ability, the proportion of housing price, the maximum amount of housing and the four high loanable amounts.

Provident fund loan

1. The formula for calculating the loan amount according to the repayment ability is:

[(Monthly housing accumulation fund of the borrower-monthly repayment amount of the borrower's existing loan] × loan term (month).

Step 2 press

[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).

Among them, the repayment ability coefficient is 40%.

Monthly contribution of provident fund ÷ (unit contribution ratio, individual contribution ratio).

3. Loan amount calculated according to house price:

The calculation formula is: loan amount = house price × loan.

4. Calculated according to the maximum loan amount.

If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, the spouse's housing provident fund is used to apply for housing with a maximum of 600,000 yuan. Use my housing provident fund to apply for a housing provident fund loan, and normally pay RMB 0,000 when applying for a loan; At the same time, if the spouse's housing provident fund is used and he or her spouse pays the supplementary housing provident fund normally when applying for a loan, the maximum loan amount is 700,000 yuan.

(The specific maximum amount varies from place to place. It is recommended to consult the local housing provident fund management center. ) Buy it in Haikou! But I want to buy it second-hand.

If it is big, you have a bank and a small package company to serve any products you want to bring.

How is Liang now? pale

17 "Understand translation: You'd better ask your bank in Haikou, or a small loan company. It's not convenient for me to do it with someone from other places who is three years older than you. The first one is, for what? Then there is the post-cost, where,

Twenty thousand

3 "Know translation: There is wind,

Now one month in 870 yuan, including Zf.

3. What is the loan amount of second-hand housing provident fund in Haikou?

Haikou City, Hainan Province provident fund loans to buy second-hand housing down payment standards are as follows:

1, the buyer uses the provident fund loan to purchase the first house, with the minimum down payment ratio of 20% and the loan ratio of 80%.

2. The minimum down payment ratio of the buyer's provident fund loan to buy two houses is 40%, and the loan ratio is 60%.

3. The buyer cannot use the provident fund loan to buy more than three houses.

4. How to calculate the amount of Hainan provident fund in 2020?

You should be asking about the amount of provident fund loans. According to the new regulations on the amount of Hainan provident fund in 2020, the maximum amount paid by both husband and wife is 6.5438+0 million, and the maximum amount paid by one party is 700,000.