Shanghai provident fund loan amount: the maximum loan amount for the first suite is 6,543.8+0,000 yuan (500,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543.8+0.2 million yuan (600,000 yuan per person).

The maximum loan amount for the second set of improved housing is 800,000 yuan (400,000 yuan per person), and the maximum loan amount for families who supplement the provident fund is 6,543,800 yuan+0,000 yuan (500,000 yuan per person).

The loan amount must meet the following conditions: 1,

Not higher than the loan limit determined according to the multiple of the borrower's housing provident fund account balance and the borrower's housing provident fund account balance (30 times of the housing provident fund balance and 10 times of the supplementary housing provident fund balance);

2, not higher than the loan limit determined by the proportion of the total housing price;

3. Not higher than the loan limit determined according to the repayment ability. The calculation formula is: the salary base for the borrower to calculate the monthly payment of housing provident fund × the specified proportion (40%) ×1February× the loan period (year);

4. Not higher than the maximum loan amount.

For details, please consult the loan branch of China Bank.

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

If you have any questions, please contact online customer service of Bank of China.

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Speech on the use of housing provident fund in Dalian: the first loan for families with many children can reach up to 1 10,000 yuan.

Viewpoint Network News: On June 6, 65438, Dalian Housing Provident Fund Management Center released a message. In order to give full play to the housing security function of the housing provident fund system and support the reasonable housing consumption demand of depositors, Dalian Housing Provident Fund Management Center has drafted the Notice on Adjusting the Use Policy of Housing Provident Fund (draft for comments), which is now open to the public for comments.

It is reported that the time for public consultation is 65438+1October 6 to February 6, 2023. In terms of implementing the support policy for families with many children to use housing provident fund, the exposure draft shows that for families with many children who buy the first set of self-occupied housing in Dalian, the maximum loan amount for a single person or a double person is increased by 200,000 yuan on the basis of the current maximum loan amount, and the restriction that "the borrower does not exceed the storage balance of the housing provident fund account 15 times when applying for a loan" is cancelled. This also means that after the implementation of the New Deal, families with many children can purchase the first set of self-occupied housing provident fund, with a maximum loan of 1 10,000 yuan.

In addition, in terms of the self-financing ratio of individual housing provident fund loans, if the borrower handles the first housing loan with a construction area of 90 square meters or less, the self-financing ratio shall not be less than 20% of the housing value; The proportion of self-raised funds above 90 square meters shall not be less than 30% of the house value. If the borrower applies for a second housing loan, the proportion of self-raised funds shall not be less than 30% of the housing value.

How much can the provident fund loan borrow?

The maximum loanable amount of general provident fund loans is 6,543,800 yuan, of which the loanable amount of single deposit employees does not exceed 500,000 yuan.

The calculation method of the loanable amount of provident fund is as follows:

1, calculated by account balance. The first method is to calculate according to the account balance of housing provident fund. The loan amount cannot exceed 65,438+00 times of the account balance. If the loan is for both husband and wife, it cannot exceed 10 times of the total balance of two provident fund accounts. Less than 20,000, calculated as 20,000.

2. according to the maximum. If the individual has cut off the provident fund, the loan from the provident fund cannot exceed 400,000 yuan, and the loan from the husband and wife provident fund cannot exceed 600,000 yuan. If the provident fund is not cut off, the maximum loan is 500,000, and the maximum loan for both husband and wife is not more than 700,000;

3. Calculated according to repayment ability. The amount of provident fund loan is (monthly deposit * total months of legal retirement age+balance of provident fund account).

The loan amount of individual housing provident fund depends on the borrower's repayment ability and comprehensive qualification, as well as the balance of housing provident fund account, housing appraisal value, local market conditions and other factors.

legal ground

Regulations on the administration of housing provident fund

Twenty-sixth 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.

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Jinan: The maximum loan for a three-child family to purchase the first housing provident fund 1 10,000 yuan.

China Housing Network News (Liu Min/Wen) According to the website of Shandong Jinan Housing Provident Fund Center, Jinan recently issued detailed rules for the implementation of the housing provident fund policy for families with two or more children.

Among them, the "Detailed Rules" proposes that if two children are paid into the employee's family to apply for housing provident fund loans to purchase the first set of self-occupied housing, the maximum loanable amount of the employee's family with one person paying the housing provident fund will be raised to 600,000 yuan, and the maximum loanable amount of the employee's family with two or more people paying the housing provident fund will be raised to 900,000 yuan; For workers' families with three or more children who apply for housing provident fund loans to buy the first set of self-occupied housing, the maximum loan amount for workers' families who pay housing provident fund per person will be raised to 600,000 yuan, and the maximum loan amount for workers' families who pay housing provident fund for two or more people will be raised to 6,543,800 yuan.

In Jinan, families with two children and above who have no self-owned housing or rented housing can withdraw the housing provident fund according to the actual rental expenditure.

In addition, according to the website of Jinan Municipal People's Government, recently, the Jinan Municipal Party Committee and the Municipal Government issued the Implementation Plan for Optimizing the Birth Policy to Promote the Long-term Balanced Development of Jinan's Population (hereinafter referred to as the Plan). Focusing on the most direct and realistic interests that restrict the people's fertility will, a number of practical measures have been introduced to benefit the people and the people, including a package of preferential measures such as childcare subsidies, housing security, provident fund, medical insurance, and subsidies from kindergartens.

Among them, the "Proposal" proposes to strengthen housing security support and give priority to families with two children and above who meet the application conditions for public rental housing; If it is necessary to change public rental housing due to the increase of family population, employment, children's schooling, etc. According to the housing situation, the normalization application and unified replacement will be implemented; Meet the application conditions for rental housing subsidies, and raise the standard of guaranteed area. For each additional child, the standard of guaranteed area will be increased by15m2.

At the same time, the "Proposal" clarifies that if a paid employee family who meets the national policy and has two children applies for a housing provident fund loan to purchase the first set of self-occupied housing, the maximum loanable amount of the employee family who has paid the housing provident fund for one person will be raised to 600,000 yuan, and the maximum loanable amount of the employee family who has paid the housing provident fund for two or more people will be raised to 900,000 yuan; If an employee's family with three children applies for a housing provident fund loan to buy the first set of self-occupied housing, the maximum loanable amount of the employee's family with one person paying the housing provident fund will be raised to 600,000 yuan, and the maximum loanable amount of the employee's family with two or more people paying the housing provident fund will be raised to 654.38+00,000 yuan. In Jinan, families with two children and above who have no self-owned housing or rented housing can withdraw the housing provident fund according to the actual rental expenditure.