1. The maximum amount of current housing provident fund loans is 800,000 yuan/household.
2. Loan amount = deposit base ×40%× 12 months× loan (calculation) period.
(1) When calculating the loan amount, if the borrower is less than 20 years away from the statutory retirement age, the calculation period of the loan may be appropriately relaxed, and the longest period shall not exceed 5 years, and the loan term shall be met;
(2) The borrower and the personnel involved in calculating the loan amount calculate the loan amount according to their respective provident fund loan amounts, and finally jointly calculate the loan amount;
(3)*** When calculating the loan amount of the same borrower (spouse, parents and children only), if the loan term exceeds that of the main borrower, the loan term of the main borrower shall prevail; If it is shorter than the loan term of the main borrower, it shall be the same as the actual loan term of the borrower.
(4)*** The housing accumulation fund paid by the borrower within the administrative area of this Municipality can be consolidated when calculating the loan amount.
3, the proportion of housing provident fund loans, the purchase of commercial housing, the first suite is not higher than 70% of the total housing price, the second suite is not higher than 40% of the total housing price; The purchase of affordable housing is not higher than 80% of the total housing.
4. The borrower's monthly repayment of loan principal and interest shall not exceed 60% of the deposit base of housing provident fund when applying for a loan. * * * The repayment amount can be calculated together with the borrower.
Term of the loan: the longest term shall not exceed 30 years, and the service life stipulated by countries with surplus land shall not exceed; Within the specified housing loan period, the longest loan period is the working life of the borrower from the date of handling the loan to the legal retirement age.
The specific amount is calculated according to your payment, loan term and house price.