The relevant provisions of provident fund personal loans are as follows:

1, and the loan ceiling is raised to 1.2 million;

2. Purchase the first set of self-occupied housing, and adjust the maximum amount of personal loan from 300,000 yuan to 500,000 yuan;

3. The maximum amount of family loans is adjusted from 600,000 yuan to 6,543,800 yuan; ;

4. If the supplementary provident fund is paid, the maximum amount of personal loans will be increased by 6,543,800 yuan on the basis of 500,000 yuan, and the maximum amount of family loans will be increased by 200,000 yuan on the basis of 6,543,800 yuan;

5. The purchase of the improved second set of ordinary commodity housing shall be implemented with reference to the policy of purchasing the first set of housing. Purchase an improved second set of non-ordinary commodity housing, and the maximum loan amount of the provident fund will be adjusted accordingly.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 26

Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

What is the maximum amount of personal provident fund loans?

At present, the latest policy is that, in principle, the loan amount is 10 times of the balance of housing provident fund, but individuals can only borrow 300,000 at most, and couples can only borrow 500,000. I hope I can help you. The maximum amount does not refer to the amount you can bring, but is related to the contract price of the house and the individual's monthly deposit. For example, a user of the municipal provident fund can bring a maximum of 800,000 deposits per month, but if the contract price of the house purchased by the customer is very low, it cannot bring the maximum. City provident fund: the maximum amount is 800,000, and the normal amount is 800,000. After rating, it is 880,000.96 million, 1.04 million.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

How much provident fund can a person borrow?

Many people choose provident fund loans when buying a house, because the interest rate of provident fund loans is lower, but there are certain requirements for handling provident fund loans. How much provident fund can a person borrow? What matters should be paid attention to in provident fund loans? Next, Bian Xiao will introduce you to related issues, so let's have a look.

How much provident fund can a person borrow?

The amount of provident fund loans should be reviewed. Many cities stipulate that a person's provident fund loan cannot exceed 80% of the total house price. If you use my housing provident fund to apply for housing provident fund loans, you can apply for a maximum loan amount of 400,000; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, the maximum loan amount can be 600,000; If I use my housing provident fund to apply for a housing provident fund loan, and pay the supplementary housing provident fund normally when applying for a loan, the maximum loan amount can be 500,000 yuan.

What are the requirements for provident fund loans?

1. The borrower must have a city account.

2, usually income should be stable, good credit, have the ability to repay the loan.

3, there is a legal contract or agreement to buy their own housing, and a prescribed proportion of self-raised funds.

4. The assets stipulated in the Guarantee Law are the mortgage or pledge of loans.

5. Agree to handle the purchase guarantee or mortgage property insurance.

6. Agree to other conditions stipulated in the housing provident fund management.

What matters should be paid attention to in provident fund loans?

1. First, the loan materials should be prepared. Handling provident fund loans is complicated. In order to save the processing time and speed up the processing, the applicant must first determine with the bank what materials need to be prepared, and bring all the necessary materials with him when he goes to process.

2. Before applying for provident fund loans, you should fully understand the loan requirements, because not everyone can apply for provident fund loans. In addition, the difference between provident fund loans and commercial loans, loan interest rates, loan terms, etc. You should consult clearly in advance.

Summary: The above is what Bian Xiao introduced to you about how much provident fund a person can borrow and some requirements for provident fund loans, hoping to help some friends in need.

How much can individual housing provident fund loans borrow at most now?

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) shall not exceed 50% of the deposit base of the applicant's housing provident fund, which may be accumulated with the applicant's deposit base for * * * times;

2) The amount of the provident fund loan shall not be 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 according to the balance multiple of the housing provident fund account can be increased by 10%, but it cannot 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.