When applying for the loan of housing provident fund, the housing provident fund shall be deposited, and the individual housing provident fund deposit account shall be continuously paid in full for more than 12 months (including 12 months from the time of applying for the loan), and the deposit account shall be in a normal state; The account balance determines the maximum loan amount, and the monthly repayment amount does not exceed 50% of the family's monthly salary income. It is also necessary to provide comprehensive credit report approval.

1. If the total balance of the deposit account of the borrower and spouse is less than 5,000 yuan, the maximum loan amount shall not exceed 200,000 yuan.

2. If the total balance of the deposit account of the borrower and spouse exceeds 5,000 yuan but is less than 1 0,000 yuan, the maximum loan amount shall not exceed 250,000 yuan.

3. If the total balance of the deposit account of the borrower and spouse exceeds 6,543,800 yuan but less than 20,000 yuan, the maximum loan amount shall not exceed 300,000 yuan.

4. The time and balance can be accumulated if the foreign deposit time and Xi 'an deposit time are not broken; If the payment is interrupted, only the balance will be accumulated. When the employee issues a copy of the transfer form, the balance transferred from different places in the provident fund deposit system must be displayed as "external transfer".

Account balance exceeds 20,000 yuan: loan amount = (balance of the borrower's provident fund deposit account+balance of the spouse's provident fund deposit account) × multiple (15 times )× deposit time coefficient.

Tips: The above contents are for reference only, subject to the policies of the local housing provident fund management center.

Reply time: 202 1-09- 17. Please refer to the latest business changes announced by Ping An Bank in official website.

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