If you apply for a personal housing provident fund loan in China Bank, the amount information is as follows:

1. The loanable amount of the provident fund loan is 14 times the balance of the applicant and the applicant's housing provident fund account, and meets the following requirements:

(1) The monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are * * * applicants and * * * applicants who have paid the housing provident fund in this city, the deposit base of the housing provident fund is the sum of the deposit base of the applicant and himself.

(2) Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall not be lower than the down payment ratio stipulated by the state. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.

(3) Not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city.

If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions specified in the preceding paragraph shall be met.

(4) When the loanable amount of the provident fund loan is insufficient to pay for the house purchase, employees can apply to the entrusted bank for commercial housing loans, which will be distributed to employees in the form of combined provident fund loans (a combination of provident fund loans and commercial housing loans). Please consult the provident fund loan business outlets or the local provident fund management center in detail when handling.

The above contents are for your reference. Please refer to the actual business regulations.

What is the upper limit of Shenzhen housing provident fund loan amount?

1. To apply for individual housing provident fund loans in China Bank, the amount of provident fund loans is 14 times the balance of the provident fund account, and the following conditions must be met:

(1) The monthly repayment amount (calculated by equal principal and interest or average principal) does not exceed 50% of the applicant's housing provident fund deposit base, which can be accumulated with the applicant's deposit base for * * * times;

(2) The amount of the provident fund loan is not higher than the difference between the total purchase price and the down payment.

(3) Not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city.

(4) If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loanable amount of the housing provident fund loan calculated by the multiple of the balance of the housing provident fund account may be increased by 10%, but it shall not exceed the maximum amount of a single loan, the monthly repayment ability, and the difference between the total purchase price and the down payment.

The calculation of the final loanable line is subject to the system calculation.

2. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

Detailed explanation of Shenzhen provident fund loan

1. Loan amount

The loan amount of the provident fund is 12 times of the balance of the provident fund account for calculating the loanable amount of the provident fund, and the following conditions must be met:

(1) The total monthly repayment of loan principal and interest (calculated by the equal principal and interest method) shall not exceed 50% of the applicant's housing provident fund deposit base. * * * The participation quota calculation can be accumulated with the applicant's deposit base;

(2) The amount of the provident fund loan is not higher than the difference between the total purchase price and the down payment;

(3) Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan. The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan.

If the applicant or the same applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loan amount calculated according to the balance of each person's provident fund account may be increased by 10%, but other conditions stipulated in the preceding paragraph shall be met.

2. Down payment ratio

If the first suite is purchased, and the construction area of the purchased house is less than 90 square meters (inclusive), the down payment ratio shall not be less than 20%. The construction area of the purchased house is more than 90 square meters, and the down payment ratio is not less than 30%; If you buy a second suite, the down payment ratio is not less than 60%. Buying three suites does not accept provident fund loan applications.

3. Term of the loan

The longest term of the provident fund loan shall not exceed 30 years, and the sum of the loan term and the actual age of the applicant when applying for the loan shall not exceed 70 years. If you apply for a provident fund portfolio loan, please confirm the loan term with the commercial bank in advance. The term of the provident fund loan and the commercial loan in the portfolio loan must be the same.

4. Expected annualized interest rate of the loan

The expected annualized interest rate of provident fund loans is subject to the expected annualized interest rate of loans stipulated by the Ministry of Housing and Urban-Rural Development and the People's Bank of China. If the expected annualized interest rate is adjusted within the validity period of the contract, the new expected annualized interest rate 1 will be implemented on the first day of each quarter. The expected annualized interest rate of commercial loans shall be implemented according to the policies of various banks.

5. Repayment method

Equal principal and interest repayment method and average capital repayment method.

6. Identification of housing units

When employees apply for provident fund loans, the number of properties under the names of the applicant and the family members of the applicant shall be used as the base to calculate the number of properties. Family members include husband and wife and minor children.

How much can Shenzhen provident fund loan borrow?

The policies in each region are different, so the loan amount is different. Consult the local provident fund center for details.

If it is a Shenzhen housing provident fund loan. The loanable amount of the provident fund loan is 12 times of the balance of all applicants' housing provident fund accounts participating in the quota calculation, and the following requirements are met: the monthly repayment amount (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 50% of the applicant's housing provident fund deposit base. The loan amount is not higher than the difference between the total purchase price and the down payment. The loan amount is not higher than the maximum amount of a single housing provident fund loan. The applicant has not withdrawn the housing provident fund for more than three consecutive years before applying for the provident fund loan.

Provident fund is the fee paid by the employer to the employees of the company. Mainly used for employees to buy or rent a house. If you don't buy a house, you can withdraw cash, which is always very convenient. When we buy a house, when we use the provident fund to buy a house, not only can we not deduct it, but the amount of our loan is still relatively high. Of course, the amount of provident fund loans should be implemented in accordance with the announcement issued by the local provident fund center. There is no rule that we can borrow as much as we want. However, people with provident fund have less repayment pressure and less pressure to buy a house than those without provident fund, which can be assured.

In addition, our newly graduated students don't have much money, but they have to rent their own houses, live and buy things to eat, so most of them ask their parents for money, but renting a house takes up most of the money in our lives, so if the company pays us the provident fund, even if we rent a house, we can use the money in the provident fund account to deduct it, which can alleviate the life pressure of our newly graduated college students.

How much can Shenzhen housing provident fund individuals borrow?

When applying for individual housing provident fund loans in China Bank, the maximum amount of a single housing provident fund loan is 500,000 yuan. The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan. Down payment ratio: if the employee's family pays the housing provident fund loan to purchase the first suite of ordinary self-occupied housing, the down payment ratio is 30%; The housing provident fund that owns 1 house and has settled the housing provident fund loan is paid to the employee's family, with the purpose of improving the living conditions, and the down payment ratio is 70%. Buying three suites does not accept provident fund loan applications.

The above contents are for your reference. Please refer to the actual business regulations.

Shenzhen provident fund loan amount

The loan amount of Shenzhen provident fund is 14 times of the balance of the provident fund account in which the loanable amount is calculated. In addition, the conditions must be met at the same time: the total monthly repayment of loan principal and interest (calculated by equal principal and interest) does not exceed 50% of the applicant's housing provident fund deposit base, and the * * * participating in the calculation of loan amount can be accumulated with the applicant's deposit base; The loan amount of housing provident fund is not higher than the difference between the total purchase price and the down payment; Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan; The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan.

Shenzhen provident fund loan conditions

1. The applicant and the applicant who calculated the loanable amount paid the provident fund in full and on time in this city or other places six months before the month of application, and the payment was in a normal state at the time of application. The deposit time of provident fund in this city and other places can be calculated together;

2. The applicant and his family (including husband and wife and minor children, the same below) have no housing provident fund loans or have paid off housing provident fund loans in this city;

3. The applicant and the respondent have the ability to repay the loan principal and interest, and their credit status is good;

4. The applicant has paid the down payment for the house purchase as required;

5. The applicant agrees to provide a guarantee that meets the requirements of provident fund loans;

6. The loan application meets the requirements of national, provincial and municipal real estate market management policies. In case of policy adjustment in the process of loan handling, the time when the housing provident fund loan is accepted by the provident fund center shall prevail, and it shall be handled in accordance with the principle of "old methods for the elderly and new methods for the newcomers". But the national, provincial and municipal real estate market management policies have been clearly defined, from its provisions.

7. Meet other conditions stipulated by the provident fund management committee.

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