1. The personal loan amount of housing provident fund is the lowest of the following three items: (1) The loan amount calculated according to the deposit amount of individual housing provident fund. The calculation formula is: (balance of provident fund account+monthly contribution of provident fund ×2× statutory retirement months )× 2 (2) Maximum loan limit. If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan; If two or more people buy the same house and apply for housing provident fund loans, the maximum loan amount is 800,000 yuan. (3) The loan amount calculated according to the house price. The calculation formula is: house price × loan ratio, in which the loan ratio is determined according to the number of houses purchased by the family and the construction area of the houses purchased. For families (including borrowers, spouses and minor children, the same below) who purchase the first home and whose construction area in Xing Tao is less than 90 square meters (including 90 square meters) or purchase affordable housing according to regulations, the loan amount shall not exceed 80% of the purchased housing price; For families who purchase the first home and have a building area of more than 90 square meters in Xing Tao, the loan amount shall not exceed 70% of the purchased house price; For families who buy a second home, the loan amount shall not exceed 40% of the purchased house price, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the same grade in the same period. Suspension of the issuance of housing provident fund loans to employees' families for the purchase of third and above houses. Two, the housing provident fund loan period is calculated according to the lowest of the following two. (a) the term of first-hand property loans shall not exceed 30 years, and the term of second-hand property loans shall not exceed 20 years. (2) The sum of the borrower's age and the loan term shall not exceed 5 years after the statutory retirement age. The legal retirement age is generally calculated according to the age of 55 for women and 60 for men. (three) two or more people to buy the same housing to apply for housing provident fund loans, the longest loan period shall prevail.

Legal objectivity:

1. What is the loan amount of Guangzhou housing provident fund? 1. Guangzhou Provident Fund Center stipulates that the maximum loan amount for one person to apply for housing provident fund loans is 500,000 yuan, and the maximum loan amount for two or more people to purchase the same house to apply for housing provident fund loans is 800,000 yuan. 2. The loan approval shall not exceed 65,438+05 working days. 3. The deposit ratio of Guangzhou provident fund loans. For families who purchase the first set of housing with a construction area of less than 90 square meters (including 90 square meters) or purchase affordable housing according to regulations, the down payment ratio shall not be less than 20%; For families who purchase the first home and have a building area of 90 square meters or more, the down payment ratio is not less than 30%; For families who buy a second home, the down payment ratio shall not be less than 60%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the same grade in the same period. Second, how to handle the latest edition of the Guangzhou Provident Fund Personal Housing Mortgage Loan Business Guide shows that the provident fund loan is divided into seven steps: the borrower submits a loan application to the undertaking bank, the bank receives the information and preliminarily reviews the contract generated by the provident fund center, scans the mortgage information, and the bank size approves the scale of the provident fund center, and conducts financial review on the bank loan and returns the loan information. It is worth mentioning that the loan application materials are complete, and the review time limit is no more than 15 working days, but it does not include the time for handling formalities in banks, trading departments and developers. According to the guidelines for provident fund loans, citizens still need to submit seven documents for provident fund loans. These include: personal housing provident fund loan application form, resident ID card, household registration book and other valid documents, proof of marital status, house purchase contract, down payment invoice or receipt, deposit receipt, income certificate, mortgage account (the mortgage account provided by the borrower must be a local bank account, ID number is 18), proof of personal property status, personal credit report, and other documents and materials required by the undertaking bank.