According to the housing provident fund loan policy of Hangzhou, the personal loanable amount = the average balance of the provident fund account in recent months 12 months (excluding the month of application) × 15 times (at present, the multiples of the main urban area, Xiaoshan District, Yuhang District and Fuyang District of our city are set at 15 times).

Reserve: 1: the average monthly balance of housing provident fund account refers to the average monthly balance of housing provident fund account when employees apply for loans (excluding one-time payment for nearly 12 months), and the calculation formula is: the average monthly balance of housing provident fund account = the total monthly balance of housing provident fund account for nearly 12 months.

Note 2: The calculation result of personal credit line is rounded to thousands, and it is determined to be 15000 yuan below 15000 yuan, and it is determined to be 500000 yuan above 50000 yuan.

If both employees and spouses have paid the housing provident fund and meet the loan application conditions, the maximum loan limit for each household is 6,543,800 yuan.

At the same time, the specific loan amount is comprehensively determined according to the conditions and prices of the houses purchased by employees, individual repayment ability and credit status.

The credit manager reminds: if the applicant (including spouse, * * owner and * * repayment promisor) has the following personal credit information such as the personal credit report of China People's Bank, the loan will not be granted:

1, personal loan or credit card is overdue;

2. A single credit card (single personal loan) has been overdue for more than 3 consecutive periods (inclusive) or accumulated for more than 6 periods (inclusive) in the last 24 months;

3. Being investigated for legal responsibility for bad credit in recent 5 years;

4, nearly 3 years, the use of false materials to cheat, cheat housing provident fund;

5, 3 years included in the "blacklist of dishonesty" in Hangzhou.

Among them, the credit card overdue record is due to the failure to pay the annual fee, and there is no transaction record, or the situation caused by the student loan. The loan can be issued only after the applicant provides a written explanation and signs the commitment letter of repayment on time.

If there are credit cards showing frozen or bad debts in the employee's credit report, employees should be required to unfreeze or eliminate bad debts, provide relevant information, and identify them according to the relevant provisions of credit review.