Business-to-public loan line The business-to-public loan line is 12 times of the balance of the housing provident fund account of the applicant and the co-applicant, and meets the following requirements:
(1) Not higher than the maximum amount of loans for single-family housing companies. For individual employees, the maximum amount of corporate loans for single-family housing is 500,000 yuan. The applicant and the joint applicant jointly apply, and the joint applicant meets the requirements of Articles 4 and 5 of the Regulation on Commercial-to-Public Loans. The maximum amount of commercial-to-public loans for a single house is 900,000 yuan.
(2) Not higher than the original mortgage loan balance of commercial housing.
(3) Monthly repayment (i.e. monthly payment). The principal and interest calculated by means of equal principal and interest repayment shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are co-applicants and co-applicants who deposit housing provident fund in this city, the deposit base of housing provident fund shall be the sum of the deposit bases of the applicant and co-applicants.
(4) Not higher than the loan amount calculated according to the loanable ratio of the loan. The loan amount is based on the contract price of the house purchased by the applicant as the total house price, and the loan loanable ratio is determined according to the down payment ratio stipulated by the state.
(5) If the applicant uses other commercial houses (except the houses that the applicant turned to public loans) or the commercial houses of a third party as collateral, the loanable amount shall not be higher than 70% of the assessed value of the collateral; If the applicant pledges the title certificate in accordance with the provisions on commercial-to-public loans, the loanable amount shall not be higher than 90% of the value of the title certificate.