1. Not higher than the loan amount determined according to the loan repayment ability.
Loan amount = (sum of the borrower's monthly provident fund deposit/unit and individual ratio+sum of the spouse's monthly provident fund deposit/unit and individual ratio) × 45 %×1February× loan period;
2. Not higher than the loan amount comprehensively determined according to the deposit time and deposit balance of the provident fund.
Loan amount = (borrower's provident fund deposit balance+spouse's provident fund deposit balance) ×20 times× deposit time coefficient. Provident fund deposit account must be a normal deposit account. The deposit time coefficient is shown in the following table:
The borrower's deposit time
Deposit time coefficient
6≤ Deposit time ≤ 12 (month)
0.7
12 deposit time ≤24 (months)
1
24 "deposit time ≤36 (months)
1.2
36 "deposit time ≤60 (months)
1.5
Deposit Time 60 (month)
2
Note: (1) For new employees participating in housing provident fund, the opening time of individual housing provident fund deposit account is 180 days from the date of applying for housing provident fund loan, and the deposit account has been continuously deposited for more than 6 months every month (excluding one-time deposit), and the deposit account status is normal.
(2) Employees who have paid the housing provident fund for 6 months or more shall calculate the payment time according to the actual remittance months (including monthly payment, excluding one-time payment), and determine the corresponding payment time coefficient and loan amount.
(3) Employees transferred from other places to Wuhan shall be issued with the deposit certificate of normal deposit for 6 months or more by the foreign provident fund center, and all the provident funds deposited from other places shall be transferred to the local provident fund account. The housing accumulation fund deposited in different places participates in the loan amount calculation according to the deposit time coefficient (the parameter value is uniformly set to 1) and the multiple of the deposit balance. Otherwise, the housing provident fund loan qualification will be approved according to the audit conditions of newly paid employees in Wuhan.
(4) If the deposit base or proportion of provident fund changes within six months, the loan amount shall be calculated according to the deposit base and proportion before adjustment.