Provident fund loans and withdrawals are handled separately. At the same time, if you need to apply for provident fund loans, it is best not to withdraw provident fund, otherwise it will affect the loan amount.

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;

7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

8. The borrower agrees to handle housing mortgage loan and insurance;

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

Provident fund loan amount

1) The loanable amount is 10 times the sum of the loanable amount of the lender and the calculation participants and the personal account balance of the lender; If the sum of individual account balances is less than 6,543,800 yuan, it shall be calculated as 6,543,800 yuan; Low-income families with housing difficulties can purchase affordable housing, and their loan amount can rise by no more than 30 thousand yuan.

2) Or calculate the loan amount according to the repayment ability of employees, and the employees will choose voluntarily. The formula for calculating the loan amount according to the repayment ability of employees is: the sum of the monthly salary base of the lender's monthly housing accumulation fund ×35%× 12 (month )× loan period.

3) The family loan limit is 700,000 yuan, and the personal loan limit is 450,000 yuan.

4) Generally speaking, the personal provident fund loan amount is 20 times of the balance of 10- provident fund account.