1, the maximum loan for both husband and wife is 700,000 yuan, and the maximum loan for a single person is 500,000 yuan. If the balance is less than 5,000 yuan, only 200,000 yuan can be borrowed. It is learned from the Housing Provident Fund Management Center that the loan amount of individual housing provident fund will be further adjusted from next year 1 month 1, and the maximum loan amount for singles who have paid the housing provident fund in full is 500,000 yuan. If the borrower and spouse pay the housing provident fund in full at the same time, the maximum loan is 700,000 yuan.

I. Xi Housing Provident Fund Loan Amount

1. The balance of the borrower's provident fund is less than 5,000 yuan, and the loan amount does not exceed 250,000 yuan;

2. The balance of the housing accumulation fund of the borrower and spouse is more than 5,000 yuan and less than 1 0,000 yuan, and the loan amount does not exceed 300,000 yuan;

3. The balance of the housing accumulation fund of the borrower and spouse exceeds 6,543,800 yuan but less than 20,000 yuan, and the loan amount does not exceed 350,000 yuan.

Second, Xi housing provident fund loan conditions

1. The borrower has a valid identity document;

2. The borrower has a stable income;

3. There is no bad record in the credit investigation;

4, have the ability to repay the loan principal and interest;

5. A house purchase contract or agreement that complies with the law;

6, new construction, renovation, overhaul of housing, there must be approval documents of construction, planning, land management and other departments;

7. If you buy a second-hand house, you also need an appraisal report issued by an appraisal institution recognized by the Provident Fund Center;

8. Pay the down payment for house purchase according to the house purchase requirements;

9. Agree with the guarantee method approved by the housing provident fund management center and the bank;

III. Xi Housing Provident Fund Loan Materials

1, housing provident fund loan application form

2. The original and photocopy of the ID card (resident ID card or other valid documents) of the borrower and spouse;

3. The original and photocopy of the borrower's marriage certificate;

4. Legal original purchase contracts and agreements;

5. Proof and copy of down payment for house purchase; Proof of funds needed for building construction, renovation and overhaul;

6 proof that the borrower has a stable income and the ability to repay the loan;

7. The borrower's credit report;

8. Seal of the borrower and spouse.

IV. Xi Housing Provident Fund Loan Process

1. The borrower applies to the housing provident fund management center and the bank, fills in the application form and submits relevant materials;

2, housing provident fund management center or bank after receiving the borrower's application materials, to meet the requirements of the borrower's materials for review, after examination and approval, make a decision to grant loans;

3. The guarantee company provides loan guarantee, and the bank transfers the borrower's relevant information and loan contract to the guarantee company;

4. If the guarantee company agrees to handle the guarantee, the guarantee company shall handle the relevant guarantee procedures;

5. After the loan procedures are completed, the housing provident fund management center will issue a loan notice according to the certificate issued by the guarantee company or the pledge certificate issued by the bank;

6. The bank issues the loan to the borrower at the time agreed in the contract.

The above is the relevant content of Xi's housing provident fund loan amount. The reserve fund is less than 5,000 yuan, the loan amount is 250,000 yuan, less than 10000 yuan, the loan amount is less than 300,000 yuan, less than 20,000 yuan, and the loan amount can reach 350,000 yuan. I also introduced some contents about the conditions, materials and process of Xi housing provident fund loan, hoping to help you.