1。 The maximum loan amount is calculated according to the balance of the housing provident fund account.
Formula: (balance of provident fund account, monthly contribution of provident fund ×2× to statutory retirement month)
The loan is calculated according to the maximum amount, and the loan amount
1 person applies for a housing provident fund loan with a maximum loan amount of 50 million yuan, and the maximum loan amount for two or more people to purchase a housing provident fund loan is 800,000 yuan.
The loan is calculated according to the loan proportion, and the construction area of the first house is 90 square meters (including 90 square meters), or the family (including buying a house? Affordable housing borrowers, spouses and minor children, the same below), pay not less than 20%; Houses and families with a construction area of more than 900,000 square meters purchase the first set, and the down payment is not less than 30%; When purchasing a second house, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1. 1 times the benchmark interest rate of the same grade.
Suspend the issuance of loans to employees' families to purchase the third and above housing provident fund.