The Dongguan provident fund loan limit is as follows:

1. If the employee meets the loan application conditions, the maximum loan limit is 500,000 yuan. If both employees and their spouses meet the loan application conditions, the maximum loan limit for each household is 1 million;

2. The specific loan limit is based on the employee’s housing provident fund payment and the standard of the housing provident fund loan limit, and the The condition and price of the house purchased, personal repayment ability, credit status and other factors are comprehensively determined;

3. If the employee housing provident fund loan limit is insufficient, they can apply for a housing provident fund portfolio loan. The term of the commercial loan in the portfolio loan , the guarantee method and the repayment method should be consistent with the provident fund loan;

4. The loan limit of the employee housing provident fund shall be calculated based on 15 times the average monthly balance of the employee housing provident fund account when applying for the housing provident fund loan, and the calculation result shall be taken to the thousandth place Integer, if the calculation result is higher than 500,000 yuan, it will be determined as 500,000 yuan, and if the calculation result is lower than 150,000 yuan, it will be determined as 150,000 yuan. The average monthly balance of the employee's housing provident fund account is the average monthly balance of the employee's housing provident fund account in the past 12 months (excluding the month of application) when the employee applies for a loan (excluding one-time repayments in the past 12 months). If the employee applies for a loan, the average monthly balance will be calculated based on the actual amount. Calculation of months.

The provident fund loan process is as follows:

1. The borrower submits personal application materials to the trustee bank window in the loan service hall; the specific materials are as follows:

(1) The original and copy of the resident ID card, household registration book and repayment commitment letter of the borrower and the loan participant (*** and the repayer and guarantor);

(2) Marriage Proof of status (if you are married, provide a copy of your marriage certificate; in other cases, the certificate must be issued by your unit or police station);

(3) Legal commercial housing purchase contract or agreement;

(4 ) Personal credit certificate provided by the borrower and loan participant’s employer.

2. The entrusted bank will accept and review the application;

3. The center will conduct the approval;

4. The guarantee company will handle the guarantee procedures and issue a "Guarantee Commitment Letter" ";

5. The borrower goes to the bank to sign a loan contract with the "Guarantee Commitment Letter";

6. The borrower goes through the notarization procedures;

7. The center approves the issuance;

8. The entrusted bank issues the loan.

Legal basis: Article 3 of the "Housing Provident Fund Management Regulations"

The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for employees belong to the individual employee.

Article 16

The monthly payment and deposit amount of the employee’s housing provident fund is the employee’s average monthly salary in the previous year multiplied by the employee’s housing provident fund contribution ratio.

The monthly payment amount of the housing provident fund paid by the unit for employees is the employee's average monthly salary in the previous year multiplied by the unit's housing provident fund payment ratio.

Article 17

New employees who join the workforce will start to pay housing provident fund from the second month they join the workforce. The monthly payment amount is the employee’s monthly salary multiplied by the employee’s housing fund. Provident fund contribution ratio.

Newly transferred employees from the unit shall contribute to the housing provident fund from the date when the transferred unit pays wages. The monthly deposit amount shall be the employee's monthly salary multiplied by the employee housing provident fund contribution ratio.