The formula for calculating the Guangzhou housing provident fund loan limit is: account balance × 8 + monthly deposit amount × number of months to retirement age

The personal housing provident fund loan limit should meet the following requirements at the same time:

(1) Not higher than the provident fund deposit account balance × 8 + monthly deposit amount × number of months to retirement age;

(2) Not higher than the Guangzhou Housing Provident Fund loan Maximum amount. The maximum amount shall be announced and implemented by the Municipal Housing Provident Fund Management Committee based on the socio-economic development of Guangzhou City;

(3) It shall not be higher than the total purchase price × (1-minimum down payment ratio). If the house purchased is a first-hand house, the total price of the house purchase shall be based on the price of the contract signed on the house purchase and sale website; if the house purchased is an existing house (second-hand house), the total purchase price of the property with property rights shall be subject to the price of the house purchase and sale contract. The total purchase price shall prevail. The total purchase price of other houses shall be subject to the lower of the contract price signed on the house purchase and sale website and the house inspection (appraisal) price. The minimum down payment ratio is implemented in accordance with the following regulations. If relevant national, provincial, and municipal policies are adjusted, the latest policies shall prevail:

1. The home buyer’s family does not have a housing loan (including commercial housing loans and housing provident fund loans) , the same below) record and no house in Guangzhou City, the down payment ratio shall not be less than 30%;

2. If the home buyer’s family has a record of paid off housing loans and no house in Guangzhou City, the purchase The down payment ratio for the purchase of ordinary commodity housing shall not be less than 40%, and the down payment ratio for the purchase of non-ordinary commodity housing shall not be less than 70%;

3. The home buyer’s family has no record of housing loan or has a settled house If you have a loan record and own a house in Guangzhou, the down payment ratio for purchasing ordinary commercial housing shall not be less than 50%;

4. The home buyer’s family owns a house in Guangzhou and the corresponding house If the loan has not been repaid, the down payment ratio for the purchase of ordinary commercial housing shall not be less than 70%;

5. The home buyer's family owns 1 house in Guangzhou, and the down payment ratio for the purchase of non-ordinary commodity housing shall not be less than 70%. 70%;

6. If the home buyer’s family has a record of unpaid housing loans, the down payment ratio of the home purchase shall not be less than 70%;

7. Standards for the identification of ordinary housing Implemented in accordance with relevant national, provincial and municipal regulations;

8. When purchasing a property with property rights, the down payment ratio shall be based on the relevant regulations for purchasing commercial housing.

(4) The monthly housing provident fund loan repayment amount calculated based on the loan amount shall not exceed 50% of the applicant’s family income. The income of employees who contribute to the housing provident fund is determined according to the following standards: if the housing provident fund payment base does not reach the upper limit of the current payment base in Guangzhou City, their personal income shall be based on the payment base; if the payment base reaches the upper limit, their personal income shall be based on the payment base The higher value between the provident fund center and the salary shall prevail. The salary shall be based on the amount registered by the depositing employee at the provident fund center.

Policy basis: Guangzhou Housing Provident Fund Individual House Purchase Loan Implementation Measures