1. Account balance multiple

Calculate the maximum loanable amount of Guangzhou provident fund loan according to the balance of housing provident fund account:

The calculation formula is: (balance of provident fund account, monthly contribution of provident fund ×2× statutory retirement months) ×2.

2. Maximum loan limit

Calculate the loanable amount of Guangzhou provident fund loan according to the maximum loan amount:

If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan.

3. Maximum loan ratio

Calculate the loanable amount of Guangzhou provident fund loan according to the loan proportion:

-For families (including borrowers, spouses and minor children, the same below) who purchase the first home with a construction area of less than 90 square meters or purchase affordable housing according to regulations, the down payment ratio shall be no less than 20%;

-For families who purchase the first set of housing with a construction area of 90 square meters or more, the down payment ratio shall not be less than 30%;

-For families who buy a second home, the down payment ratio shall not be less than 60%, and the expected annualized interest rate of the loan is twice the expected annualized interest rate of the same grade benchmark in the same period.

Suspension of the issuance of housing provident fund loans to employees' families for the purchase of third and above houses.

How much can Guangzhou borrow to buy a house with a provident fund loan?

Hello, according to the regulations of Guangzhou Provident Fund Center, when applying for a loan, the registered employees in this city have paid in full for more than 1 year, and the non-registered employees have paid in full for more than 2 years. 1 person applies for individual housing provident fund loan with a maximum amount of 600,000 yuan. Two or more people buy the same set of self-occupied housing and apply for individual housing provident fund loans. The loan amount is the sum of each applicant's loan amount, with a maximum of 6,543,800 yuan. The calculation formula of provident fund loan amount is: account balance × deposit amount in August × months from retirement age. For the first suite, buy a house below 144 square meters, and make a down payment of 30% for the provident fund loan. The term of the first-hand property loan shall not exceed 30 years. Second-hand housing loan period does not exceed 20 years, and the sum of loan period and building age does not exceed 40 years.

Guangzhou provident fund loan amount

The maximum loan amount of Guangzhou Provident Fund is 800,000. Loan amount = (the sum of the borrower's monthly provident fund deposit amount/unit and individual deposit ratio; Monthly contribution of spouse's provident fund/sum of contribution ratio of unit and individual) ×35%× 12 months× loan period. Provident fund deposit account must be a normal deposit account.

1. Not higher than the loan amount calculated according to the individual housing provident fund deposit.

(1) The calculation formula of the company's payment for employees is: account balance × deposit amount in August × months from retirement age.

(2) The calculation formula of voluntary deposit employees is: average daily account balance × average deposit amount in August × months to retirement age, where: average daily account balance = sum of average daily account balance/deposit days. The average monthly deposit amount is determined according to the actual average monthly deposit amount remitted during the voluntary deposit period.

2. Not higher than the maximum amount of personal housing provident fund loans, 1 person applies for personal housing provident fund loans, and the maximum amount is 600,000 yuan.

Two or more people buy the same set of self-occupied housing and apply for individual housing provident fund loans. The loan amount is the sum of each applicant's loan amount, with a maximum of 6,543,800 yuan.

3. Not higher than the total purchase price ×( 1- minimum down payment ratio). If the purchased house is a first-hand house, the total purchase price shall be subject to the contract price of online house sales; If the purchased house is a stock house (second-hand house), the total purchase price of the house with property rights shall be subject to the total price agreed in the house sales contract, and the total purchase price of other houses shall be subject to the lower of the online contract price of house sales and the house verification (evaluation) price.

4. The repayment amount of the monthly housing provident fund loan calculated according to the loan amount shall not exceed 50% of the applicant's family income. The income of paid employees is determined according to the following standards: if the deposit base of housing provident fund does not reach the upper limit of the deposit base at that time in this city, its personal income will be based on the deposit base; If the deposit base reaches the upper limit, the personal income shall be based on the higher value between the deposit base and the salary, and the salary shall be based on the amount registered by the paid employees in the provident fund center.

What is the housing accumulation fund:

Refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. The proportion of employees and unit housing provident fund deposit is not less than 5% and not higher than 12%.

Legal basis:

Article 24 of the Regulations on the Management of Housing Provident Fund

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

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What is the loan amount of Guangzhou provident fund?

Legal analysis: the maximum amount of Guangzhou provident fund loan: one person applies for individual housing provident fund loan with a maximum amount of 600,000 yuan; Two or more people buy the same set of self-occupied housing and apply for individual housing provident fund loans. The loan amount is the sum of each applicant's loan amount, with a maximum of 6,543,800 yuan. The calculation formula of the loan amount is: the amount paid from the account balance to the retirement age in August. If the result calculated according to the loan amount is less than the maximum loan amount, the loan can only be made according to the calculated loan amount. And when applying for a loan, the monthly repayment amount of the loan shall not exceed 50% of the family income.

Handling methods of provident fund and commercial portfolio loans:

Apply to the city housing fund management center for individual housing portfolio loans.

1. Provide corresponding loan information according to the requirements of the bank.

2. After the loan is approved, the municipal housing fund management center shall fill in the Notice of Entrusted Investigation.

4. The lender fills in the Application Form for Individual Housing Loan.

5. Sign a portfolio loan contract.

6. Issuing housing loans.

7. Repay the principal and interest of the entrusted loan for policy personal housing guarantee and the loan for commercial personal housing guarantee.

Provident fund is a measure to promote the reform of housing system in China, which is shared by the state, the collective and the individual to solve the housing difficulties of employees. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans and can apply for provident fund loans in accordance with the relevant provisions of provident fund loans.

Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from 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 upper limit of Guangzhou provident fund loan?

Legal analysis: the maximum amount is 800,000. Loan amount = (the sum of the borrower's monthly provident fund deposit amount/unit and individual deposit ratio; Monthly contribution of spouse's provident fund/sum of contribution ratio of unit and individual) ×35%× 12 months× loan period. The loan amount is comprehensively determined according to the time and balance of the borrower's provident fund deposit (calculated according to the sum of the balance of the borrower and spouse, and the housing provident fund deposited in the last 6 months does not participate in the calculation of the provident fund loan amount). Provident fund deposit account must be a normal deposit account.

Requirements for using provident fund loans:

1, with a valid household registration or residence permit in the place where it is located; 2. The user has normally paid the housing provident fund for six months before applying for the provident fund loan; 3. There are procedures and contracts. For buying a house, renting a house and decorating; 4. The down payment paid by the applicant shall exceed 30% or 20% of the total purchase price; 5. Both the lender and the guarantor must be at least 18 years old, with full capacity for civil conduct, good personal credit information and relatively stable income.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. The proportion of employees and unit housing provident fund deposit is not less than 5% and not higher than 12%.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

What is the maximum amount of China Bank's Guangdong housing provident fund loan?

China Bank Guangdong Housing Provident Fund Loan Amount:

The maximum amount of personal loans is 500,000, and the maximum amount of loans for two or more house holders is 800,000.

The above contents are for your reference. Please refer to the actual business regulations.

This is the end of the introduction about how much Guangzhou Provident Fund can borrow and how to inquire about how much Guangzhou Provident Fund can borrow. I wonder if you have found the information you need?