(1) The provident fund can lend 1 ten thousand yuan every 1 year, and the maximum loan amount is10.20 million yuan.
(2) The second suite recognizes the house and the loan, and the maximum loan amount is 600,000 yuan.
(3) The down payment ratio of the first ordinary self-occupied house is 35%.
(4) The monthly repayment amount is less than or equal to 60% of the monthly income, and if it exceeds the limit, the loan amount will be reduced.
(5) The longest loan period is 65 years old.
2. Shanghai provident fund loan policy
(1) Loan amount
(2) down payment ratio
35% for the first set, 50% for the second set of ordinary housing and 70% for the second set of non-ordinary housing.
3. Guangzhou provident fund loan policy
(1) Loan amount
The maximum amount of individual housing loans is 6,543,800 yuan, the maximum amount of single deposit employees is raised to 600,000 yuan, and the maximum amount of double deposit employees is raised to 6,543,800 yuan.
(2) down payment ratio
4. Shenzhen provident fund loan policy
(1) Loan amount
The maximum amount of individual housing loan is 900,000 yuan, of which the maximum amount of single deposit is 500,000 yuan and the maximum amount of double deposit is 900,000 yuan.
(2) down payment ratio
30% for the first suite and 70% for the second suite.
Second, the new first-tier cities 1, Hangzhou provident fund loan policy
(1) Loan amount
The maximum amount of individual housing loans has been raised to 6,543,800 yuan, of which the maximum amount of single deposit employees is 500,000 yuan, and the maximum amount of double deposit employees is 6,543,800 yuan.
(2) Application conditions
The continuous normal deposit of housing provident fund 1 year is adjusted to more than 6 months (inclusive).
(3) down payment ratio
2. Suzhou provident fund loan policy
(1) Loan amount
(2) down payment ratio
The first building area is ≤ 90m2, and the down payment ratio is 20%; The second down payment ratio is 30%.
3. Chongqing provident fund loan policy
(1) Loan amount
The maximum amount of personal housing loan is 600,000 yuan, including a single deposit of 400,000 yuan and a double deposit of 600,000 yuan.
(2) down payment ratio
The first building area is ≤ 90m2, and the down payment ratio is 20%; The first building area is > 90m2, and the down payment ratio is 30%; The second down payment ratio is 50%.
4. Chengdu provident fund loan policy
(1) Loan amount
The maximum amount of individual housing loan is 700,000 yuan, of which the maximum amount of single deposit is 400,000 yuan and the maximum amount of double deposit is 700,000 yuan.
(2) down payment ratio
30% for the first set and 40% for the second set. The second suite recognizes the house and the loan.
Third, popular second-tier cities 1, Xiamen provident fund loan policy
(1) Loan amount
The maximum loan amount for families applying for housing provident fund loans for the first time is 6.5438+0.2 million yuan, and the maximum loan amount for the second time is 6.5438+0.2 million yuan.
(2) down payment ratio
20% down payment for the first building area ≤ 90m2, and 30% down payment for the rest; The second set of down payment is 50%.
2. Hefei provident fund loan policy
(1) Loan amount
The maximum amount of individual housing loan is 550,000 yuan, of which the maximum amount of single deposit is 450,000 yuan and the maximum amount of double deposit is 550,000 yuan.
(2) down payment ratio
The first set of 30%; The second mortgage has been settled, with a down payment of 40%, and the mortgage has not been settled, with a down payment of 50%.
3. Jinan provident fund loan policy
(1) Loan amount
The maximum amount of individual housing loans is 600,000 yuan, of which the maximum amount of employees' families with only one person paying provident fund is 300,000 yuan, and the maximum amount of employees' families with two or more people paying provident fund is 600,000 yuan.
(2) down payment ratio
30% for the first set and 60% for the second set.
4. Zhuhai provident fund loan policy
(1) Loan amount
The maximum amount of individual housing loan is 500,000 yuan, including 300,000 yuan for individuals and 500,000 yuan for double and above.
(2) down payment ratio
Supplement: How long can I withdraw the provident fund after buying a house? I. mortgage to buy a house
In mortgage to buy a house, the bank/provident fund has lent money and obtained the purchase contract, loan contract and purchase invoice. Second-hand housing needs a tax payment certificate and will be recovered during the loan period. If you buy a house in full, get the above information and withdraw it within two years after payment.
Second, buy a house in full.
A one-time purchase of a house requires the provision of materials for withdrawing the provident fund within one year after the purchase, and can only be withdrawn once.
First, the loan to buy a house
The provident fund can be withdrawn once a year until the loan is paid off, and the amount withdrawn from each house cannot exceed the repayment amount of the loan in that year. Resignation: If there is no new work unit after resignation, it can be handled one month after resignation.