If the provident fund has been paid for one year without interruption, you can apply for a provident fund loan:

1, personal provident fund can be loaned 400,000 yuan, those with supplementary provident fund can be loaned 500,000 yuan, and husband and wife can borrow 600,000 yuan, and one of them can borrow 700,000 yuan with supplementary provident fund;

2. Buying a second-hand house 15 times the balance in the provident fund, and buying a new house is 20 times the balance in the card;

3 provident fund loan amount = monthly provident fund deposit amount; Personal deposit ratio; Unit deposit ratio; Monthly deposit of provident fund /2 times 40% of repayment in other months times loan period.

The calculation formula of housing provident fund loans is:

1, the loan amount of provident fund = the sum of the monthly contributions of the borrower and the borrower's provident fund divided by the contribution ratio multiplied by 12 months multiplied by the loan period multiplied by 40%;

2. The loan amount of provident fund = fifteen times the balance of the borrower and the borrower's provident fund account. Loan term: the long-term loan of housing provident fund shall not exceed 30 years, and the loan term plus the borrower's age shall not exceed 5 years after the borrower's statutory retirement age. The sum of the age of the second-hand house and the loan period cannot exceed 50 years;

Article 13 of the Regulations on the Management of Housing Provident Fund

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

What is the deposit amount of the provident fund to get a loan of 390 thousand?

The loan amount is not only related to the amount of provident fund deposit, but also related to the working years. Take Zhengzhou Housing Provident Fund as an example. If the deposit amount is 1 10,000, the deposit period must reach 15.

According to the loan amount stipulated in the Notice on Provident Fund Loan of Zhengzhou Housing Provident Fund Center, the loan amount is determined according to the following three situations:

1. The loan amount shall not exceed the corresponding maximum limit. If the husband and wife have continuously paid the housing provident fund in Zhengzhou City (including counties and districts, excluding industrial system) for more than 6 months, and they purchase housing in Zhengzhou City (including counties and districts) and apply for provident fund loans for the first time, the loan amount shall not exceed 600,000 yuan; In other cases, the loan amount applied for is not more than 400,000 yuan.

2. The loan amount shall not exceed the prescribed multiple of the deposit balance. That is, the amount of a single loan is determined according to the balance of the housing provident fund deposit account and the deposit time, and the calculation formula is as follows:

Loan amount ≤ balance of deposit account ×( 14-year deposit)

Among them, the balance of the deposit account is the sum of the latest balance of the deposit account of the husband and wife in Zhengzhou housing provident fund (excluding the one-time deposit amount of the last six periods, if there is no spouse or the spouse has not paid Zhengzhou housing provident fund, the latest balance of the borrower's own deposit account shall be taken); If the borrower and spouse fail to withdraw money at the counter within six deposit periods before the loan, if the deposit balance is less than 1 000 yuan, it will be deemed as 1 000 yuan, and other circumstances will be deemed as the actual balance.

The number of years of deposit is the interval between the account opening date and the current payment month, and the part less than the whole year is rounded up. The balance of the deposit account and the deposit period shall be determined according to the certificate issued by the relevant department of the deposit place. Retired soldiers who have been demobilized for less than three years and high-skilled talents who are included in Zhengzhou's talent introduction plan are not subject to this condition.

3. The monthly repayment amount of the loan shall not exceed 60% of the sum of the income of the borrower and spouse, and the loan amount shall be reduced accordingly.

Extended data:

Provisions on loan term in Notes on Provident Fund Loans:

1, with a maximum loan term of 30 years;

2. When buying a second-hand house that has not been built for more than 20 years, the longest loan period is 20 years, and when buying a second-hand house that has been built for more than 20 years. Maximum loan term 15 years;

3. The loan term can cover 5 years after the statutory retirement age of the borrower.

Provisions on loan interest rate:

The loan interest rate shall be implemented according to the housing provident fund loan interest rate published by the People's Bank of China. When the state adjusts the interest rate, it will not adjust the interest rate in that year, and the latest interest rate will be implemented from 1 the following year. If a loan contract has been signed and there is no loan, the latest interest rate will be directly implemented when the loan is made. If a family applies for a provident fund loan for the second time, the loan interest rate is 1. 1 times of the individual housing loan interest rate of the housing provident fund in the same period. The loan interest rate paid to employees in special industries is also adjusted according to the rules stipulated in the contract.