The loanable amount is 10 times of the sum of loanable amounts of the lender and participants and the sum of the personal account balance of the lender; If the sum of individual account balances is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan; Low-income families with housing difficulties can purchase affordable housing, and their loan amount can rise by no more than 30 thousand yuan. Or calculate the loan amount according to the employee's repayment ability, and the employee will choose voluntarily. The formula for calculating the loan amount according to the repayment ability of employees is: the sum of the monthly salary base of the lender's monthly housing accumulation fund × 35 %× 12 (month )× loan period. The family loan limit is 700,000 yuan, and the personal loan limit is 450,000 yuan.

How do you know how much you can borrow from the provident fund and how to borrow according to the provident fund?

How can I borrow money according to the provident fund?

1. When the borrower applies for a provident fund loan in the management department of the provident fund management center where the provident fund is deposited, and chooses the guarantee center to provide guarantee, it shall submit all the materials required for the individual to apply for a loan, including the personal and spouse's ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc.

2. After the loan application is approved in the first instance, the management department will issue the Notice of Examination of Guarantee Application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and submit all personal loan information to the guarantee center.

3. The guarantee center shall review the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center shall issue a letter of approval for the guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the intermediary agency shall handle the guarantee application procedures and collect the guarantee service fee. (Note: The agency must have the qualification certification of Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center)

4. The borrower shall pay the guarantee service fee according to the approved Letter of Approval for Guarantee Application. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center on the approved loan contract, mortgage (counter-guarantee) contract, custody contract and other legal documents.

5. The audited personal loan application materials (including the sealed contract) are transferred to the Housing Provident Fund Management Department by the guarantee center; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information.