Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund in accordance with the regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient.

There are some different regulations on the maximum loan amount in different places. For example, the maximum loan amount in Guangzhou varies according to the purchase area and whether it is the first suite. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method of provident fund loan amount is as follows: 1. The calculation formula of the loan amount calculated according to the repayment ability is: [(total monthly salary of the borrower, monthly contribution of the housing accumulation fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). 2. The calculation formula of spouse's use quota is: [(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution). 3. The formula for calculating the loan amount according to the house price is: loan amount = house price × loan ratio. 4. The loan amount is calculated according to the maximum loan amount. If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan. Take Guangdong provident fund loan as an example: Guangzhou provident fund loan amount: the maximum loan amount is 500,000 yuan for one person to apply for housing provident fund loan, and 800,000 yuan for two or more people to purchase the same house to apply for housing provident fund loan. Loan amount calculated according to the loan ratio: for families (including borrowers, spouses and minor children, the same below) who purchase the first set of housing with a construction area of 90 square meters or purchase affordable housing according to regulations, the down payment ratio shall be no less than 20%; For families who purchase the first home and have a building area of 90 square meters or more, the down payment ratio is not less than 30%; For families who buy a second home, the down payment ratio shall not be less than 60%.

2. What is the formula for calculating the amount of provident fund loans?

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The maximum amount of personal provident fund loan is 400,000 yuan, calculated according to the following requirements (the minimum amount is the amount of provident fund loan):

1, sum of monthly salary income of the borrower and * * the same repayment person × 12 (month )× 40 %× loan period (monthly salary income = monthly contribution of provident fund ÷ payment rate).

2, the purchase of housing construction area shall not exceed 9 of the purchase price.

If the construction area is 90 square meters, 70% of the total purchase price shall be paid;

The purchase of the second set of self-occupied housing shall not exceed 50% of the total purchase price, and the interest rate shall be the benchmark interest rate.

3. Total transaction price of second-hand houses and

4. The repayment ability coefficient is tentatively set at 0.4.

5. The Borrower and * * * co-borrower are only husband and wife. Unmarried children may consider choosing one of their parents as * * * co-borrower.

6. When applying for a second loan, you must invite all the previous loans.

Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan issued by local housing provident fund management centers to housing provident fund depositors who purchase, build, renovate and overhaul their own houses and retired employees who pay housing provident fund during their employment. According to the provisions of the deposit limit above (off-site, off-site, etc.) long-term workers for the purchase and construction of housing, renovation, overhaul of their own housing funds.

Letter of credit clause

1. Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund loans, and those who have not participated in the housing provident fund system provident fund loans.

2. To participate in the housing provident fund system, to apply for housing must meet the following conditions: that is, the housing provident fund must be continuously paid for at least 6 months before applying for a loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable. After the loan is issued,

3. One spouse has applied for a housing provident fund loan, and neither spouse can fully support the housing provident fund loan until the principal and interest of the loan are paid off, which is a kind of financial support for "housing security".

4. When the loan applicant puts forward that the housing provident fund loan has relatively stable economic income and repayment ability, and there are no other debts that may affect the repayment of the housing provident fund loan, it is very risky to give the housing provident fund loan again, which violates the safe operation of the housing provident fund.

5. The term of the provident fund loan is not the longest, and the loan term of the provident fund loan and the commercial housing loan must be the same.

Three, the calculation method of provident fund loan amount

The calculation method of the loan amount of the provident fund is as follows: the calculation formula of the loan amount calculated according to the repayment ability is [(total monthly salary of the borrower, monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan period (month). According to the amount used by the spouse [(the total monthly salary of both husband and wife, the monthly contribution of housing provident fund of both husband and wife's work units) × repayment ability coefficient-the total monthly repayment amount of existing loans of both husband and wife ]× loan period (month). Among them, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution). The formula for calculating the loan amount according to the house price is: loan amount = house price × loan ratio. If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

4. Is there a relationship between the amount of provident fund loan and the balance in the card?

The amount of provident fund loan is related to the balance in the card.

The loan amount of housing provident fund is linked to the account balance. At present, the maximum multiple has been relaxed from 15 to 40. The loan amount is 200,000 yuan (excluding the supplementary provident fund loan amount), and there must be at least 5,000 yuan in the housing provident fund account.

When applying for housing provident fund loans, it depends on the deposit balance and deposit situation of the provident fund. If you do not meet the conditions for applying for a loan, you cannot apply for a provident fund loan. Whether you can apply for a loan depends mainly on your provident fund account.

Application conditions for provident fund loans:

1. Only employees who have paid the provident fund are eligible to apply for housing provident fund loans;

2, apply for a loan before the continuous deposit of housing provident fund for not less than six months.